10 Best Financial Planning Software for Individuals

Have you ever thought of planning your finance, and you were confused about getting the best financial planning software for individuals to take care of your task?

Ok, do not bother much about this, as I’ll share the best financial planning software for individuals that help make you efficient at managing your money, discovering ways to meet your long-term goals, and even allowing you to control your portfolio. 

The time of pen and paper record keeping is over with the modernization of technology.

Most financial planning software for individuals was created to make DIY financial planning easier, fitting seamlessly into your life as you manage your home income and investments

Let’s explore 10 best financial planning software for individuals.

What Is Personal Finance Software?

Personal finance software is an application that helps individuals with all aspects of their finances. There are different software for different goals. Some software is ideal for budgeting, while others are good for investing, and others are for debt tracking and savings goals. These applications are designed to make managing and tracking people’s finances easier and more efficient.

Financial Planning Software for Individual
Credit: AdvisorHQ

 How to Choose the Best Personal Finance Software

The best way to choose and select the best financial planning software for individuals should be based on the following:

  • price,
  • variety of features,
  • the types of financial goals they help you meet,
  • company reputation, etc.

RECOMMEDED: 10 Best Mortgage Lenders in Florida for First-time Buyers

10 Best Financial Planning Software for Individuals

There are so many financial planning software online, but I’ll share the 10 best you should consider using in making your financial plans.

  • Personal Capital

This is one of the best financial planning software for individuals; the platform will help you manage all your financial accounts. This includes your bank accounts, mortgage, credit accounts, and investment accounts.

The personal capital software will also help track your retirement and investment goals, and it will also let you know if you are on track to reach them.

  • QuickBooks Online

QuickBooks Online financial planning software is a highly regarded web platform and app that manage accounting, budgeting, payroll, and more for businesses of all kinds and sizes. This software has multiple levels and adds on, making it easy to customize which features your business will need.

  • Mint

Mint financial planning software is an easier-to-use budgeting expense tracking tool. From the creators of Quicken software, Mint allows its users to import their bank and credit card information, help analyze their spending, and address areas where they can cut down expenses to improve their financial future. Mint financial planning software has both a desktop and a mobile application.

  • FutureAdvisor

FutureAdvisor is among the best financial planning software for individuals investing. Are you a DIY investor looking for low-cost access to a financial advisor? This is the software for you.

This software provides you with personalized recommendations to diversify your portfolio and also help you manage your assets.

  • Tiller Money

Are you looking for a way to import your spending transactions into Google Sheets easily? Tiller Money financial software does the hard work for you. Each day it updates your spreadsheet to enable you to stay on track with your finances and budgeting.


  • After a 30-day free trial, Tiller Money charges $79 yearly ($6.58/month)

Benefits of tiller money

  • Tiller Money is one great way to budget, and it can also help you track and pay off your debt


  1. If you do not have a Google (Gmail) account, you will be required to set one up
  2. The financial planning software only works on the web, and there are no apps available
  •  Quicken

Quicken is another best financial planning software for individuals; it has been around for decades and is among the most established and reliable software.

With Quicken, one can manage their budget, track their debt, reach savings goals, and explore investment options. Quicken has more advanced bill paying and asset tracking to calculate your net worth.

  •  Mvelopes

Mvelopes financial planning software brings back the traditional envelope budgeting system in app form. It helps one stick to their budget by using envelopes of “cash” for each expense. This software allows its user to create financial goals that are most important to them; then, it helps create a budget to set your digital envelopes. Mvelopes also help track your spending to see if you are on track.

  • Honeydue

Honeydue is a personal finance system built for two; At the same time, it has the same features as other personal finance software; the system comes with the ability to mark which of the accounts are joint or the responsibility of only one person.

This couple-centric financial software is great for couples who split the bills.


  • The Honeydue app is free: You have the option to tip the creators for their hard work, but note that it does not unlock any hidden features.

Benefits of this software

  • The software is great for couples who want to navigate those tricky financial questions within a relationship


This budgeting software is not as robust as other personal financial planning software.

  • TurboTax

 One may not necessarily need the TurboTax to manage their finances throughout the year, but the software can come in handy when it’s time for tax. While turbo tax is one of the pricier tax preparation tools, it is also consumer-friendly, walking you through your tax preparation to accurately file your tax return. Entering tax information is fairly very simple (you can import your W-2 information from your employer or take a picture of it, and this software will transfer the information into the form.

 If you have used the TurboTax in past years, the software will remember your personal information and ask whether there have been any major changes. The most basic version of Turbo Tax lets you file your federal and state return for free if what you use is form 1040 with no attached schedules.

On the higher end, this TurboTax Live connects you with a tax expert to give you personalized advice and answer your tax return questions. Paid versions of the TurboTax include a feature to help one uncover deductions they may not have known were available to them. While you can use this TurboTax on the web, you can also download the software to your device for added security.

We provided our top 10 results for DIY personal finance after detailed research. Several others are available online, but the most important thing to note is that they are all different with varying features. So, figure out your budget and investment goals, then choose the financial planning software for individuals that fits all your criteria.

  • YNAB (You Need A Budget)

YNAB (You Need A Budget) is an amazing financial planning software that helps one understand and manage their monthly budget, and it also provides tutorials to improve your financial literacy. The tutorials cover many financial topics, even those hard to comprehend.

It breaks them down into ways to help you address bad financial habits and breakthroughs with trusted financial management tips.

Let’s have your view on the financial planning software for individuals in the comment section below.



About Author

Financial Planning Software for Individual
Precious Ejimofor
My name is Precious Ejiofor, I am a professional self motivated, dependable writer and editor, with over 4 year of experience in writing for variety of business and platforms. I am able and capable to write on any kind of topic.
Specifically, I focus on producing persuasive and compelling contents that is thoughtful, prominent, and engaging.

Get Latest Market Updates!

Enter your name & email to get started!

We don’t spam! Read our privacy policy for more info.

Sharing is caring...

Leave a Comment