5 Best Mac Tools/Software for Getting Your Finances in Order

| Tips

Saving money has become a major priority for many people. Fortunately, there is a range of software to help you not only save money, but to spend it wisely and organize your finances. With the myriad of titles available, it can be a challenge to choose the best one for your needs. For all you Mac owners out there, here are the top five tools to streamline your personal economy:

1. Moneydance

Moneydance ($49.99 - Mac App Store) offers you the ability to pay your bills online. Additionally, you can better manage your financial accounts, get help with budgeting, learn more about investments, and more. It's a bit pricey $49.99, but is certainly worth considering.


Moneydance Screenshot
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2. iFinance

One of the best features of iFinance ($29.99 - Mac App Store) is the three-dimensional graphs, charts, and diagrams that allow you to easily view and analyze your finances. You can break down your spending into convenient categories such as rent, insurance, and groceries. If you're currently using personal finance software, switching over to iFinance is fairly easy. It's also affordably priced at $29.99.


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3. You Need a Budget (YNAB)

Although available for Windows users as well, You Need a Budget ($60) (Money Crasher's review) is an excellent tool for Mac users who want to improve their finances. It's based on four simple rules that involve putting your money to work for you, saving for the future, being flexible, and giving yourself a cushion. It offers a 34-day free trial, or you can purchase it for $60. It is slightly expensive, but it can be worth it depending upon how much help you need.

You Need a Budget

You Need a Budget
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4. iBank

The iBank app ($9.99 - Mac App Store) can assist you in monitoring your banking and credit card accounts, and it also incorporates the envelope budgeting method, which allows you to create different budgeting categories. It also comes with a handy camera integration feature, so you can take a picture of a receipt and attach it to a financial record. iBank also comes with a free 30-day trial, and a purchase price of $59.99. Once again, this is a little expensive in my view but the camera integration can certainly help keep your finances organized while on the go.


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5. Koku

With Koku ($29.99 - Mac App Store), you no longer have to log in to all of your banking and credit card account websites, as it stores all of this information for you in one place. You can create "tags" to assign to each of your transactions. It also comes with filtering options if you want to research a particular set of purchases based on a spending category and/or purchase amount. While you can use it for a brief free trial period, it† can be purchased for the relatively affordable price of $29.99.


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Final Thoughts

When deciding what programs best meet your personal finance software needs, it's best to weigh the benefits versus the cost. Are your finances in disarray? Or do they just need a little fine-tuning? It's the answers to those questions and more that will help determine which one is right for you. At the end of the day, either you run your finances - or they run you. So choose wisely, and get to work on improving your financial situation today.

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We use Moneydance and are very happy with it. It does everything we need, it’s easy to use and has not had any problems. When we moved to Moneydance a couple of years ago it imported our old (~2004-ish) Quicken data without missing a beat.
Also I couldn’t help noticing that Quicken isn’t on the list.  LOL

Iliya Yordanov

You forgot to mention the one app that is actually available for Mac, iPhone and iPad and can sync automatically between them - MoneyWiz.


After spending the better part of the past decade+ trying to find a replacement for Quicken that would be stable, focussed on user needs and updated to better serve the users, I have settled on SEE Finance.  It states that it’s still in beta, but I have found absolutely no problems with it (although hoping for a companion iOS app), whether importing data or using it to manage/report on my personal finance data.  I quit Quicken for all the reasons long-since discussed, tried MoneyDance for a few years and found it clunky and awkward to use: tried iBank 2 & 3, was very happy, but quit when its development seemed to disconnect from the needs of its users, etc.  SEE Finance doesn’t get much notice in the Mac finance app reviews, but, if you check user reviews, they are almost all full of praise for the application.  It has a short learning curve and a full-featured trial version that has no time limit.


I’m still using a long ago expired beta of Cha-Ching 2. At one point they were the cool kids of Mac-centric banking UI. They never added graphs, budgeting was rather primitive, and the beta has a few bugs in it, but the UI is nice.

Since they use SQLite underneath to store the data I was able to write a Ruby script that extracts it into CSV files for graphing and analysis in Numbers. (Cha-Ching 2’s export feature only exports a few pieces of meta data. They obviously never finished it.)

I keep checking to see if I should switch, but so far I have no compelling reason to do so, since I don’t like the UI I see in any screenshots and I won’t know if I like the budgeting and graphing features without extensively trying the app for a year, or at least graphing a year’s worth of data and trying the budgeting for a few months.  It’s rather a large hassle to do lots of free trials to compare. So I end up not switching and just using my old beta software with my export trick.

B.g. Levy

See finance has one glaring problem. As a long time quicken user and a holder of a large stock portfolio, i have routinely had to modify stock names and adjust for splits and partial sales. See Finance has something called a transaction filter. Every time i’ve used it, it has destroyed my information and i’ve had to reconstruct the data. Until they make it easy to change the name of a company or a stock split, i can’t recommend this program.


In my opinion, Salary Accounting provides the best price-to-quality ratio. Its options are advanced enough for me but not to the point of confusion, and works like clockwork:

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