Best savings software for free download

IntelliPenny is the easy way to manage your personal or family finances and budget for future expenses. IntelliPenny implements the Envelope System of budgeting allowing you to decide where your money will be spent and allocating funds accordingly. The Envelope System has helped many people tame spending and get on track to eliminate debt.

With IntelliPenny you can easily track spending, manage checking, savings, and credit card accounts all in one location, easily reconcile accounts, and import transactions from your financial institutions. In IntelliPenny you can also set up your credit card to be used like a debit card. The money you spend on your credit card will automatically be deducted from your checking account so when you receive the bill at the end of the month the money is already set aside to pay it off.

IntelliPenny also allows to you track items you would like to purchase and prioritize those items to help eliminate impulse buys. Bills can be tracked to make sure none are forgotten. A variety of reports are included so you can easily see your spending habits. Link to external documents, spreadsheets, and websites that you use in your financial planning.

There is no montly fee so let IntelliPenny help you get your finances on track and stay on track!

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Take control of your budget with Money Manager. This personal budget software allows you to manage checking, savings, credit cards, loans, debt accounts. You can even create your own account types! Money Manager takes control over your bills and shows you when they should be paid. Create recurring transactions that are generated automatically at the proper time. Define and use transaction templates to quickly create transactions that recur at irregular intervals. Password protect your data files with 128-bit encryption to prevent unauthorized access to your financial information. Download your transactions from your financial institutions and import them into Money Manager from Quicken Interchange files (qif). Money Manager also automates input of orders coming from RegNow and eSellerate. The software supports more than 150 different currencies and automatically downloads their exchange rates from Internet. Track Stocks, Mutual Funds or any other investment activities. You don't need to enter the stock quotes manually: Money Manager will download them from the net!

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

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The MoneyToys(tm) Web Site Calculator collection has grown to 16 calculators with the addition of a Mortgage Qualification Calculator. The Mortgage Qualifier for web sites helps a home buyer determine how much he or she may be able to borrow and what monthly payment amounts a lender may allow based upon the individual’s financial income and debt.This mortgage affordability calculator also accommodates a co-borrower. The income and debt information of the co-borrower is also considered in the qualification calculation.Webmasters can modify the default Housing Ratio and Debt Ratio values to reflect those of the lenders with whom you are working. These values vary but it is important to remember the lender determines them for a home buyer.MoneyToys(tm) online financial calculators are designed to give webmasters a simple way to add instant interactivity to a web site by providing financial calculator applets which are easily added to a web site.Installation is easy! Copy the online calculator to the appropriate directory on your web server and add the HTML code to your web page. That's all it takes! You can set your own initial values for the calculators and you can make the colors match YOUR site! Configure the font, font size and calculator size to match your site's design. Includes step-by-step installation instructions and three sample web pages with cut-and-paste code for your web pages.Included in the growing collection of 16 MoneyToys web site calculators are: * Simple Loan Calculator * Biweekly Payment Calculator * Down Payment Savings Calculator * Very Simple Loan Calculator * APR Calculator * Closing Costs Calculator * Home Seller's Proceeds * Refinancing Calculator * Rent or Buy Calculator * Loan Spread Calculator * Cash Flows Calculator * Future Value Calculator * Pay Down or Invest Calculator * Loan Comparisons Calculator * Mortgage Qualification Calculator

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Save time preparing high-quality bitonal documents in TIFF/PDF and JBIG2 formats with Binarization Image Processor – software that supports very large image batches.

Created especially for professionals involved with paper and microfilm scanning and digitization, Binarization Image Processor (BIP) is already being successfully used by over 30 different microfilm bureaus in New Zealand, Australia, the US, the UK and Canada.

BIP's use of cutting-edge techniques including dynamic thresholding, local area adaptive binarization and OCR preparation thresholding to binarize images is what sets it apart from the rest of the competition.

Unlike many of the other batch image converters, BIP offers a manual review mode that gives users the ability to scan through the resulting bitonal images and improve output image quality manually after automatic batch processing is complete.

BIP automatically saves all changes eliminating the need to perform redundant actions like confirming image saves. Elimination of this redundancy alone generates a time savings of up to 90%.

BIP also allows users to set binarization parameters visually using trial images from the batch.

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RichOrPoor is a full-featured financial software package for individuals, families, and small businesses. RichOrPoor helps you track income, expenses, assets, liabilities, and much more. RichOrPoor gives you over 30 reports so you can get the total picture of your finances. RichOrPoor helps you to manage nearly every aspect of your finances including checking, savings, credit cards, insurance, and more.

Software Features:

1. Easy to Use
RichOrPoor is both intuitive and easy-to-use. Navigate easily through the program to find exactly what you want.

2. Real-time Understanding of Financial Conditions
RichOrPoor lets you see your financial status at-a-glance letting you see income for the last month, expenses for the same period, current assets and liabilities, and so on. RichOrPoor also gives you a range of charts to help you understand your finances more intuitively.

3. Multiple Account Types
Support Savings, Checking, Bank, Cash, Credit Card, Asset, Liability, Creditor's Rights, Investment, and other account types. For investment accounts, you can also set its associated cash accounts.

4. Clearer "Liability" and "Creditor's Rights" Management
You can set up "Liability" and "Creditor's Right" accounts, and both borrowing and lending can be input as financial transactions; you can track the creditors and debtors of each transaction.

5. Rich Variety of Reports and Charts
RichOrPoor gives you a wide range of customizable charts and reports so you can view all aspects of your finances. Create reports on income and expenses, assets and liabilities, and much more.

6. Develop Budgets
RichOrPoor helps you to budget by the month, quarter, or year.

7. Secure Financial Information
RichOrPoor lets you password protect your data so no one can access your financial information.

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The Altova MissionKit 2008 for Professional XML Developers is the secret to savings on top XML tools. Get three leading Altova XML development products for less than the price of two! The MissionKit for Professional XML Developers bundles Professional Editions of Altova XMLSpy, MapForce, and StyleVision at substantial savings. Altova XMLSpy 2008 Professional Edition is the industry leading XML development environment, providing intuitive editing views and powerful XML utilities to model, edit, transform, and debug XML-related technologies quickly and easily. It offers the top XML editor, schema designer, file converters, debuggers, support for XSLT, XQuery, databases, Visual Studio .NET, Eclipse, and more. Altova MapForce 2008 Professional Edition is the premier data mapping tool for exchanging data between XML, database, and flat file formats. This award winning, visual data mapper converts data instantly or auto-generates an application in XSLT 1.0/2.0, XQuery, Java, C++, or C# for recurrent conversions. Altova StyleVision 2008 Professional Edition is the ultimate XSLT stylesheet designer for graphically designing stylesheets that render eye-catching HTML output from XML or database content, and produce intuitive electronic forms for use with Altova Authentic 2008. StyleVision is fully standards-compliant and supports XSLT 1.0, XSLT 2.0, CSS, JavaScript, and all major databases. The Altova MissionKit 2008 for Professional XML Developers will accelerate all of your most common and most demanding XML development projects. It is the best selling XML development toolset on the market and the right choice for organizations standardizing on XML. Take off with the Altova MissionKit and save a bundle! Download the Altova MissionKit for Professional XML Developers, and try it free for 30 days.

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The Altova MissionKit 2008 for Professional Software Architects is the secret to savings on top software development and data management tools. Get five highly-acclaimed tools for less than the price of two! The MissionKit for Professional Software Architects bundles Professional Editions of Altova XMLSpy, MapForce, StyleVision, and UModel, plus DatabaseSpy, at substantial savings. XMLSpy Professional is the industry leading XML development environment, providing intuitive views and powerful XML utilities to model, edit, transform, and debug XML-related technologies. In addition to the world's most popular XML editor and original graphical XML Schema designer, XMLSpy offers file converters, debuggers, support for XSLT, XPath, XQuery, all major databases, Visual Studio .NET or Eclipse integration, and more. MapForce Professional is the premier visual data mapping, conversion, and integration tool for integrating any combination of XML, databases, and flat files. MapForce converts data instantly or auto-generates a royalty-free application for execution of recurrent conversions. StyleVision Professional is the ultimate XSLT 1.0/2.0 stylesheet designer for graphically designing stylesheets that render HTML output from XML or database content and produce electronic forms for use with Altova Authentic. UModel Professional is the simple cost-effective way to draw on UML, combining a rich visual interface with high-end functionality to facilitate model-based software design and development. Use UModel to visually design application models and generate code in Java, C#, and VB.NET or reverse engineer existing programs into UML 2 diagrams. DatabaseSpy is the unique multi-database query and design tool. It connects to all major databases, providing a unified interface to simplify querying, visualizing, managing, designing, and constructing relational databases. Save a bundle with the Altova MissionKit for Professional Software Architects! Restrictions apply: www.altova.c

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Enhance your digital photos with these cool effects. Effects that you see in high end photo tools are generally not easy to replicate and not easily duplicated from picture to picture. ImageElements suite of products allows you to create the professional quality effects without high priced software and let you create them with only a few clicks of your mouse. Effects such as photo montage, feathering, framing and colorization will bring out the best in your pics. Bundled with many different effects you can quickly put the focus on your subject. Use one or all, you decide. No fancy terminology or expensive tools needed. Currently there are 7 effects with more on the way, use them in this integrated suite or buy them individually. Combine effects for some truly fascinating results. Create a montage effect and add a frame to highlight your subject. Are you into scrap booking? Add this great tool to your toolbox and create memories that you'll cherish forever. Create a kaleidoscope of your kids, frame the hummingbird at your feeder, create a montage of one of your vacation pictures. While you can buy each of these tools individually we have packaged them into a time and cost savings bundle with a single interface.

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The MoneyToys Payment Calculator allows you to quickly enhance your web site by adding a financial calculator which your visitors can use to calculate loan payments without leaving your web site. This loan calculator is easy to install on a web site by using a few lines of HTML and uploading the calculator file to your web server.MoneyToys(tm) website calculators give webmasters a simple way to add value to a web site by providing their visitors with financial calculators which are easy to install and configure. Installation requires only a few lines of HTML and the MoneyToys calculator. The cost-effective perpetual license allows you to add long term user-friendly functionality to your web site.Installation is easy! Simply copy the online calculator to the appropriate directory on your web server and add the included HTML code to your web page. That's all it takes! Then, you can set your own initial values for the calculators and you can make the colors match YOUR site! Configure the font, font size and calculator size to match your site's design. All MoneyToys calculators include step-by-step installation instructions and three sample web pages with cut-and-paste code for your web pages.Included in the growing collection of 16 MoneyToys web site calculators are: * Simple Loan Calculator * Mortgage Qualification Calculator * Biweekly Payment Calculator * Down Payment Savings Calculator * Very Simple Loan Calculator * APR Calculator * Closing Costs Calculator * Home Seller's Proceeds * Refinancing Calculator * Rent or Buy Calculator * Loan Spread Calculator * Cash Flows Calculator * Future Value Calculator * Pay Down or Invest Calculator * Loan Comparisons Calculator * Mortgage Qualification Calculator * Payment Calculator

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AuditWizard is a simple to use 'Plug and Play' tool that puts you in ultimate control of your system inventory. AuditWizard will perform a discrete and comprehensive audit of all hardware, software and peripheral data providing you with graphical at a glance information to enable you to plan for future system developments, troubleshoot or accurately budget for software upgrades or licensing compliance. PC Asset Management is a best business practice because it is all about controlling costs and maximizing productivity. AuditWizard will give your organization significant cost savings, not only in direct expenditure on software and hardware, but also by more effective management of your IT infrastructure. AuditWizard enables more strategic infrastructure planning, prevents over-licensing and identifies over-deployment of hardware while reducing the IT administrative and support burden with its associated costs. AuditWizard allows the IT department to control exactly what software and hardware everyone uses and significantly reduces the risk of users introducing unauthorized software or unapproved hardware to your network. In addition to minimizing copyright infringement and security breaches, good software management will also prevent unexpected software costs that can be incurred from inadequate software licensing measures. Audit your entire PC network in minutes not hours! Used in over 10,000 organisations around the world.

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MoneyToys(tm) web site calculators make it easy for you to install 17 calculators on your real estate web site! With a few lines of HTML and MoneyToys(tm) website calculators you can quickly add online interactivity to your web site! Put MoneyToys calculators on your web site and your visitors can perform financial calculations without leaving your site!MoneyToys give you immediate and long term value. Install a time-tested, customer-proven set of financial calculators on your website. The cost-effective perpetual license allows you to add long term user-friendly functionality to your web site.MoneyToys(tm) online financial calculators are designed to give webmasters a simple way to add instant interactivity to a web site by providing financial calculator applets which are easily added to a web site.Installation is easy! Copy the online calculator to the appropriate directory on your web server and add the HTML code to your web page. That's all it takes! You can set your own initial values for the calculators and you can make the colors match YOUR site! Includes step-by-step installation instructions and three sample web pages with cut-and-paste code for your web pages.Included in the growing collection of 17 MoneyToys web site calculators are: * Simple Loan Calculator * Average Interest Rate Calculator * Mortgage Qualification Calculator * Biweekly Payment Calculator * Down Payment Savings Calculator * Very Simple Loan Calculator * APR Calculator * Closing Costs Calculator * Home Seller's Proceeds * Refinancing Calculator * Rent or Buy Calculator * Loan Spread Calculator * Cash Flows Calculator * Future Value Calculator * Pay Down or Invest Calculator * Loan Comparisons Calculator * Mortgage Qualification Calculator * Payment Calculator

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MoneyToys(tm) web site calculators make it easy for you to install 14 calculators on your real estate web site! With a few lines of HTML and MoneyToys(tm) website calculators you can quickly add online interactivity to your web site! Put MoneyToys calculators on your web site and your visitors can perform financial calculations without leaving your site!MoneyToys give you immediate and long term value. Install a time-tested, customer-proven set of financial calculators on your website. The cost-effective perpetual license allows you to add long term user-friendly functionality to your web site.MoneyToys(tm) online financial calculators are designed to give webmasters a simple way to add instant interactivity to a web site by providing financial calculator applets which are easily added to a web site.Installation is easy! Copy the online calculator to the appropriate directory on your web server and add the HTML code to your web page. That's all it takes! You can set your own initial values for the calculators and you can make the colors match YOUR site. In addition, you can configure the font face and size. Includes step-by-step installation instructions and three sample web pages with cut-and-paste code for your web pages.Included in the growing collection of MoneyToys online finencial calculators are: * Simple Loan Calculator * Biweekly Payment Calculator * Down Payment Savings Calculator * Very Simple Loan Calculator * APR Calculator * Closing Costs Calculator * Home Seller's Proceeds * Refinancing Calculator * Rent or Buy Calculator * Loan Spread Calculator * Cash Flows Calculator * Future Value Calculator * Pay Down or Invest Calculator * Loan Comparisons Calculator

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Future Value of Savings Calculator quickly shows you what your savings may be by displaying a range of 77 possible scenarios based upon different interest rates and saving amounts.Future Value of Savings Calculator is a comprehensive annuity calculator which displays results on a spreadsheet-like grid as you enter or update financial variables. Future Value of Savings Calculator allows you to enter a beginning balance, regular payment amount, start and end dates, annuity type (regular or due), interest rate, payment frequency and compounding frequency. All results are automatically updated as you change the values in the white edit boxes or click on the radio buttons. Future Value of Savings Calculator is designed for Win9x/ME/NT/2000/XP/2003 systems. It offers integrated help, provides automatic hints, is large and small font compliant, offers an integrated Upgrade Center for easy, free, online updates, and includes a user-friendly registration system.

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MoneyToys Home Sellers Proceeds Calculator helps a home seller discover what the net gain will be after current mortgage(s) have been repayed and taxes, sales commissions and other closing costs involved in your sales transaction are accounted for. MoneyToys(tm) web site calculators make it easy for you to install 14 calculators on your real estate web site! With a few lines of HTML and MoneyToys(tm) website calculators you can quickly add online interactivity to your web site! Put MoneyToys calculators on your web site and your visitors can perform financial calculations without leaving your site! MoneyToys give you immediate and long term value. Install a time-tested, customer-proven set of financial calculators on your website. The cost-effective perpetual license allows you to add long term user-friendly functionality to your web site. MoneyToys(tm) online financial calculators are designed to give webmasters a simple way to add instant interactivity to a web site by providing financial calculator applets which are easily added to a web site. Installation is easy! Copy the online calculator to the appropriate directory on your web server and add the HTML code to your web page. That's all it takes! You can set your own initial values for the calculators and you can make the colors match YOUR site. In addition, you can configure the font face and size. Includes step-by-step installation instructions and three sample web pages with cut-and-paste code for your web pages. Included in the growing collection of MoneyToys online finencial calculators are: * Simple Loan Calculator * Biweekly Payment Calculator * Down Payment Savings Calculator * Very Simple Loan Calculator * APR Calculator * Closing Costs Calculator * Home Seller's Proceeds * Refinancing Calculator * Rent or Buy Calculator * Loan Spread Calculator * Cash Flows Calculator * Future Value Calculator * Pay Down or Invest Calculator * Loan Comparisons Calculator

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This Down Payment Calculator for web sites lets you instantly add interactivity to your real estate web site giving visitors an easy-to-use financial calculator which lets them do their financial math without leaving your web site. With a few lines of HTML and MoneyToys(tm) website calculators you can quickly add online interactivity to your web site! Put MoneyToys calculators on your web site and your visitors can perform financial calculations without leaving your site!MoneyToys(tm) online financial calculators are designed to give webmasters a simple way to add instant interactivity to a web site by providing financial calculator applets which are easily added to a web site.Installation is easy! Copy the online calculator to the appropriate directory on your web server and add the HTML code to your web page. That's all it takes! You can set your own initial values for the calculators and you can make the colors match YOUR site! Configure the font, font size and calculator size to match your site's design. Includes step-by-step installation instructions and three sample web pages with cut-and-paste code for your web pages.Included in the growing collection of MoneyToys online finencial calculators are: * Simple Loan Calculator * Biweekly Payment Calculator * Down Payment Savings Calculator * Very Simple Loan Calculator * APR Calculator * Closing Costs Calculator * Home Seller's Proceeds * Refinancing Calculator * Rent or Buy Calculator * Loan Spread Calculator * Cash Flows Calculator * Future Value Calculator * Pay Down or Invest Calculator * Loan Comparisons Calculator

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Add or subtract hours, minutes, seconds, years, months, days to selected (highlighted) Excel cells.

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