Best budgeting software for free download

Create yearly, monthly or weekly budget templates in MS Excel. Excel 2000 or higher required.

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TimeGuard is smart and friendly time tracking software. Unlike other solutions, TimeGuard is active and is not waiting passively for your input. It will help you to manage your time tracking, taking much of the burden off your shoulders. TimeGuard will calculate your projects bills and produce professional reports that you can print export or email.
TimeGuard gives you an accurate view of how you spend your time. With TimeGuard, clear and accurate reports are only a mouse click away. TimeGuard reports will improve your estimates when budgeting new projects and its printouts can help you in your negotiations with clients.

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TimeGuard Pro is smart and friendly time tracking software. Unlike other solutions, TimeGuard is active and is not waiting passively for your input. It will help you to manage your time tracking and expense logging, taking much of the burden off your shoulders. TimeGuard will calculate your projects bills and produce professional reports that you can print or email. TimeGuard gives you an accurate view of how you spend your time. Even "5-minute phone calls" can be easily logged, ensuring that you get reliable and useful reports. With TimeGuard, clear and accurate reports are only a mouse click away. TimeGuard reports will improve your estimates when budgeting new projects and its printouts can help you in your negotiations with clients.

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BUDGET FORECASTER FOR WINDOWS - Budget Forecaster for Windows is a personal finance management software. It was designed for users who enjoy managing their finances with a simple, easy to use stand-alone home budgeting application.

Budget Forecaster for Windows includes a comprehensive set of personal finance managing features that make this application suitable for both personal money management and small business finance management.
Budget Forecaster for Windows is the simplest way to plan your budget, monitor your spending, and so much more. In fact, Budget Forecaster is one of the most powerful personal financial tools available. See benefits:

Track where your money goes
See where your money goes by tracking your daily expenses by type. Get a clear picture of where your money is going by week or by month. Track your income, investments and expenses for the selected time period, and analyze your income allocation and expenses distribution with Strativia software - all in one place.

View colorful, detailed charts and graphs
View colorful, detailed charts and graphs and see visually by category where your money goes. If you prefer to see where your expenses go in a colorful, easy to read pie chart, you will enjoy this feature.
Strativia home budget software chart and graph tools include:
Monthly & Yearly Income Allocation Chart
Monthly & Yearly Expense Allocation Chart
Expense Breakdown Pie Charts

Determine your own expense categories
Customized expense categories allow you to set up software settings the way you prefer. This gives you total control over your expense tracking.


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You feel that you need to bring your personal finances into order? Visual Money is a personal finance manager which allows you to control your finances and stay on top of your expenses. It proves that managing finances is as simple as a mouse click. Visual Money supports multiple accounts that reflect real-world bank accounts, credit cards accounts, cash money and investments.
You can put your income and expenses into different categories such as dinning out, clothes or automobile. Categorization makes possible to find out where your money are going. A large list of predefined categories is provided, however you can create custom categories and subcategories. Visual Money offers a variety of visual reports helping you to see your cash flow, expenses by categories and payees for any period of time.
Visual Money supports import & export data into QIF (Quicken Interchange Format) files. This feature can be useful if you used other personal finance software before or downloaded your transaction history from your bank.
Visual Money looks after your bill payment and notifies you in advance when the bill should be paid. Encryption and password protection makes impossible for unauthorized users to access your private information. Automatic back-up utility prevent from lost of your data.

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Project XS is an exciting software solution within the Project Management software arena. Project XS combines project management, document management and time management in one easy to use application. Accompanying this are features such as multi user, multi project, budgeting, reporting with a host of other complimentary features that allow project managers to save time and help take control of their projects.Project XS can easily import Microsoft Project files into the repository. Then as users enter daily timesheet data, the original Microsoft Project file can be synchronised with Project XS allowing managers to immediately track time and resource usage in real-time. Project XS completes the link between project resources time usage and reduces project management time data entry and gathering. Accompanying this are features such as multi user, multi project, budgeting, reporting with a host of other complimentary features that allow project managers to save time and help take control of their projects.Project XS can easily import Microsoft Project files into the repository. Then as users enter daily timesheet data, the original Microsoft Project file can be synchronised with Project XS allowing managers to immediately track time and resource usage in real-time. Project XS completes the link between project resources time usage and reduces project management time data entry and gathering.

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PiggyBob is an easy to use personal finances manager with powerful calendar capabilities. We all need some order in our lives. Especially in everything that is connected with money. PiggyBob might sound funny, but that cute little program will save you a lot of money. PiggyBob is not just some book, where you would write your income and expenses. PiggyBob is a powerful tool to analyze the whole situation, to see for yourself what money source is most important for you, or where exactly your money tube is leaking. With PiggyBob you can categorize your income and expenses according to your own needs. All the information you save in PiggyBob can later be displayed as different graphs to make the tendencies in your income and expenses more vivid. You can apply different filters to your data, e.g. you can choose to have a look only at your expenses, your income, or to get a broader view with the help of “Annual” function. You also have a choice of sorting your income and expenses by date, type or amount. PiggyBob’s calendar will help you to keep track of the events in your life and you can enter unlimited number of events for a given day. Besides, any event you enter can later be easily edited. Additionally, you can set up a repeated event for any number of days, weeks or months or until a chosen date. Useful “Alarm” function will never let you forget about an important meeting, friend’s birthday, etc. Here you can choose either the default sound or select which file should be played when the alarm is activated.Another advantage of PiggyBob is its bright and colorful interface, which is so easy in use that you will feel like you have always used PiggyBob right after your first entry. The advice is – try PiggyBob and see for yourself how fast and how easy order will enter your financial life and your life in general.

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Tired of living payday to payday? Can't get out of debt? Finances in a mess? Try a better way to manage your checkbook. Budget is based on the tried and true "Envelope" method of budgeting - a much easier way to see where your money is, where it's needed, and where it went. Budget is a personal finance application based on the proactive envelope model rather than the reactive register model used by other home financial programs. It helps you setup and live by your budget the way most people learned to budget. You define income sources and allocate portions to your envelopes. You write checks from each envelope when the bill is due. The main window shows at a glance if you are keeping to your budget. Budget doesn't force you to follow a budget, but it does show you exactly where you're spending your money.

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Discounted Cash Flow Analysis Calculator helps you with capital budgeting by simultaneously evaluating the cash flow series of 14 projects against 5 different discount rates per project.For each of 14 cash flow series, Discounted Cash Flow Analysis Calculator performs the following calculations: Initial Investment, Smallest Cash Flow, Largest Cash Flow, Cash Flow Range, Average Cash Flow, Number of Cash Flows, Undiscounted Sum of Cash Flows, Internal Rate of Return (IRR), Undiscounted Payback Period.Simultaneously, for each of five, user-defined, discount rates associated with each of the 14 cash flow series, Discounted Cash Flow Analysis Calculator provides: Net Present Value (NPV), Net Future Value (NFV), Net Uniform Series (NUS), Modified Internal Rate of Return (MIRR), Present Worth Cost, Present Worth Revenue, Benefit/Cost Ratio, Present Value Ratio.Discounted Cash Flow Analysis Calculator is designed for these Windows operating systems: 95, 98, ME, NT4, 2000, XP and Vista systems. With integrated help, a glossary of Cash Flow Analysis Terms, automatic hints, and an integrated Upgrade Wizard for easy, online updates, Discounted Cash Flow Analysis Calculator is a powerful, user-friendly financial calculator.

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Always know exactly how much you have left to spend. Instantly know the impact of every spending decision. Automatically do all your home budget tracking. Effectively manage credit card spending. Create an easy to use household budgeting plan. Recover 10% a month from your income from hidden spending. Have multiple budget plans open (great for extended families). View income and expenses on the same screen. Built-in calculator. View your budget progress with a colorful graphchart. Graph your progress and print, save, report features. Detailed reporting of what you have budgeted against what you actually spent. No need to re-enter regular occurrences every month. Allows you to import your previous years budget. Adjust your budget as your circumstances change.

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FREE Home Money Management / Budgeting Software, easy to use and great reports! Simple Home Money Management software was designed ground-up with the typical person in mind, the majority of people find it difficult to budget or balance their cheque books and pay off their credit cards - why? Because there are no really easy tools available to do the job for them or they simply do not have the time to use the overly complex products currently available. Simple Home Money Management software incorporates a simple and easy to use page design, no superfluous functionlaity included only what you really need, lets help you sort your money worries out, its simple:

Setup income and outgoing (expenses) categories - easy to do with Simple Home Money Management, see below for details.
Setup accounts, cheque, Credit Card, Savings and so on.
Setup your budget - creates a snap shot of projected income and outgoings.

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Easily track financial transactions for business and or personal use. Track tax deductible expenses. Unlimited user defined categories and sub-categories. Choose from several pre-defined reports or create your own. Grid printing. Analyze your data with ease. View and print charts. Easy to use short-cuts. Export data to csv and excel formats for use in other programs. Frequently used notes templates. Recurring items feature.

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Omega Enterprise Manager is a complete administrative solution for your business. You can manage all aspects of your company from a single comprehensive, highly flexible software application.

Omega Enterprise Manager allows you to keep track of suppliers and employees, accounts and customers, your inventory and so much more. And, you won't need to go elsewhere to produce professional-quality, readable, meaningful reports. Sales summaries, profit margins, employee schedules, orders, cost summaries and more. It's all available at the click of a mouse, from one indispensable application: Omega Enterprise Manager.

Our administrative solution for billing includes the following features:
Billing and accounting reports
Inventory. So everything can be accounted for.
Customers. To keep track of the good ones and the ones which may become problematic
Suppliers. Because you must be able to track down a component at a moment's notice
Multi-user capability. A central database keeps track of all users.

System Requirements
Operating System: Windows 98/ME/NT/2000/XP/2003
Microsoft Office Version: Office XP or Office 2003

If you do not have Office installed on your PC just installs the supports files from our website.
These supports files can and will only works with Omega Enterprise Manager.

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You say you don't have the discipline to control your budgeting? You tried various paper planners and electronic spreadsheet programs just to give up after a few days? Don't panic! With Home Bookkeeping, it's a snap! It's your chance to finally become a savvy spender and protect yourself from the danger of debt.

Unlike the usual paper and electronic spreadsheets, Home Bookkeeping from Keepsoft is your personal financial secretary and advisor. It won't let you forget about your budget. It will pop-up on schedule recording all your money transactions. After recording your bills, your credit card statements, your checkbook register and receipts for your groceries (and more), you will be able to start planning your budget, cutting your variable spending, and optimizing your fixed costs (by refinancing your mortgage, for example, to get a lower interest rate.)

Home Bookkeeping has all the necessary features to help you calculate and analyze your cash flows. A built-in reporting engine helps you to focus on various aspects of your budgeting. Graphical diagrams make it easy, even for non-experienced users. Income and spending planners will help you to stop wasting money and to start saving.

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So what is Stash and what does it do: Schedule your income and expenses: Stash has an inbuilt scheduling engine that can help you prepare for what's coming in each financial period. You can schedule for any possible combination (any combination of: yearly, monthly, fortnightly, weekly, daily) for your expenses and income. It takes a short time to set up a budget and begin setting up a meaningful schedule for tracking your income and expenses. The point of this is so you can work out what is coming in and going out on a very flexible basis. Budgeting on a period by period basis: Once you have set up a schedule for all your incoming's and outgoing's (no matter how often they occur) you can see what's happening on the Budget screen. Stash has a common sense approach to budgeting that allows you to see all the information on one page. You can see the schedule for next month, the next 12 months and see what kind of effect that will have on your income and expenses. You can also fill a column yourself and calculate what you need to on a month by month basis. This is ideal for those times when things are tight. Your budget can be printed for carrying around in your wallet/purse so you don't overspend. Track what you actually spend: The Cash flow section allows you to enter the money as it is spent and as it comes in. Most people think that the heart of a good financial plan lies in the budget. This is a half-truth. You can only budget with the money you have. XE believes that a heart of a good plan is based on what you spend...plain and simple. A budget is a template that works out what you will spend based on what money you will get. Couple these features with charts to help you understand where the money goes, tools for loans and you have an inexpensive approach to managing your money how can you go wrong?

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Earning money and having it is not the same! Careless spending and lack of budgeting skills plague millions of families worldwide. My Budget Keeper will help you budget and track your expenses in order to put you on the path to financial health and stability. The software is compact, brainlessly simple and extraordinary effective.

My Budget Keeper can be used both as a personal expense tracker and family budgeting tool.

The program has four modules - Incomes, Expenses, Persons and Reports.

The Incomes panel shows family finances and available funds. Here, you can indicate sources and amount of the incoming money. The second panel (Expenses) shows all purchases made and payments done by different family members within a specified time period. This panel allows you to make a comment for each expense, like what kind of purchase was made, whether credit card was used and if this expense was "personal" (i.e. intended for this individual) or for the entire family (as in paying utility bills or buying a new air conditioning unit). The Persons panel is used to enter different family members. The last panel, Reports, is the core and the essence of the program.

My Budget Keeper offers four basic reports with graphs available. The Persons report shows who is the biggest spender in your family and who is the thriftiest person. In addition, you can see what portion of family income goes toward family purchases. The Expenses report offers a detailed break through of your spending habits, showing where most of the money goes to. You can also compare your expenses on a month-to-month basis. The other two reports are the Incomes report and the Incomes/Expenses report. Extra options for customizing graphs are available.

My Budget Keeper is noticeably uncomplicated and has a very low learning curve, which makes it perfect for unsophisticated PC users. The software isn't bloated with extraneous unnecessary options and is very reasonably priced.

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