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Quicken is the personal finance software of choice for Windows users, but what if you’re a Mac person? Quicken 2018 for Mac should be the easy answer, but it’s completely different from the Windows version, and many users have found it to be a nonstarter.

There are many options (and opinions) when it comes to budgeting apps for Mac users. We’ve put many of them through the ringer and believe Banktivity 7 has the right blend of powerful features and ease of use that can help just about anyone take control of their finances.

When it comes to personal finance software, there are a lot of options available, along with a lot of very strong opinions on which one is the best.

GNUCash, Mint, and Goodbudget are probably your best bets out of the 18 options considered. 'Free and open source' is the primary reason people pick GNUCash over the competition. This page is powered by a knowledgeable community that helps you make an informed decision. You can take some of the guesswork out of moving your finances to mobile with this list of the best personal finance apps for 2018. Mint: Best app for managing your money. You Need a Budget. This gives you a bit of flexibility when doing a monthly budget - 4 extra days to review your budget and determine whether YNAB helped out enough to justify the $5 price. If you're a student, you can get an additional 12 months for free (for a total of 13 months) and after that you can get 10% off yearly subscriptions.

Wait. There’s a Bonus….

Custom Productivity Templates

We have a set of custom productivity templates that work well with the iPad app, GoodNotes. And if you want to try them out, we’ve put together a free guide that can help you.

We’ll show you…

How to create and save custom page templates in GoodNotes.
How to use those page templates to transform GoodNotes into your own productivity notebook (or any other type of notebook replacement).

Plus, we also have included a couple of our custom productivity templates for you to get started with. These templates are right out of our popular productivity course.

The custom templates and the guide are available for FREE to our email subscriber community. And you can get it right now. By joining the Sweet Setup community you’ll also get access to our other guides, early previews to big new reviews and workflow articles we are working on, weekly roundups of our best content, and more.

In fact, when we ran our survey asking what app or service people currently used, the number one response — despite our attempt to nail down the 8 most popular options — was Other with 34.7%. This illustrates two things:

budgeting is very personal, and
the ecosystem is very broad

People are just as passionate about their budgeting software as they are about their artisanal to-do list apps. Everyone has their own system that works for them. That also means that what works for me may not work for you, but we did notice that successful financial management systems seem to all share a few common characteristics:

The ability to add transactions quickly and seamlessly.
The ability to import/sync bank and credit card statements.
The ability to review accounts and financial status at a glance.

You will find these key features at the heart of just about every personal finance app. The difference is usually in how they are implemented, and in this review we compared them side-by-side to see what worked…and what didn’t.

Budgeting Software? BORING…

Say the word “budgeting” in public and you can quickly find yourself eating lunch alone. But despite the fact that it can be uncomfortable to talk about, it’s one of those things that needs to be done. As Benjamin Franklin once said”

“If you are failing to plan, you are planning to fail!”

When it comes to your financial future, failing to budget is setting yourself up for failure. One of the quickest ways to run out of money is to not have a plan for how you’re going to spend it. And if you want to improve your plan for how you manage your money, you have to first know how you’re currently spending it. In the past, this meant that you had to spend hours collecting old statements and cross-checking a spreadsheet that you had to meticulously maintain yourself. Fortunately, there are quite a few great software options available to make the job a lot quicker and easier.

Budgeting 101

Despite the thousands of books and blogs dedicated to the task, when you get down to it, budgeting is quite personal — it’s just you and your money. Hopefully you have a system that works already, but if you’ve never done a budget before, you need to. You need to plan for the future and the rainy days that will come your way. Even though budgeting can be one of the most stressful aspects of financial planning (especially if you already feel overwhelmed as you watch the bills pile up), it’s vitally important to your financial health.

It’s important that we have a firm grasp on the concept of budgeting before we can accurately evaluate personal finance apps. We asked Andrew Carroll, a CPA in California, to help us define budgeting and what he believes a budgeting app should do.

The Sweet Setup: Do you recommend that people use a budgeting app to manage their finances?

Andrew Carroll: Absolutely. Best 4k monitor for photo editing. Budgeting is all about data. The better your data, the better your decisions will be. Spending time collecting and processing data, however, does not add much value. Let the computers do that work.

TSS: What advice would you give someone budgeting for the first time?

Double your expected expenses. You spend a lot more money than you think you do.

From another perspective: Don’t worry about getting the numbers perfect, especially right out the gate. The fact that you did ANYTHING is good. This is just like exercise. You cannot expect to be a hard body CrossFit hero because you spent all day Saturday working out. Being a master at something requires that you build a habit of doing it all the time. There is no shortcut to 10,000 hours. So spend a little time, each week, and build the habit. Before you know it, you will have an awesome grip on how the money in your world works.

TSS: What, if any, differences exist between budgeting and financial planning?

HUGE difference. Budgeting is about your income and expenses, or inflows and outflows. It is all about managing your personal income statement.

Financial planning, primarily, is about managing your balance sheet. How do we deal with our existing assets and liabilities to maximize our net worth. Budgeting becomes an input for financial planning since “profit” (or money earned over what you spent) becomes savings, which should be directed into one of your assets or to one of your liabilities as per the financial plan.

TSS: What is the most misunderstood aspect of budgeting?

That the point of budgeting is to get all the numbers accounted for. It’s not.

My favorite mantra at my office, which, ask my staff, I repeat ad naseum, is “It’s not about the numbers.” Which is an odd thing to say in an office full of number crunchers, right? But it gets right to the heart of the issue. If you think the purpose of budgeting is to make sure that all the numbers get in their proper box, you missed the point. The point of budgeting is to understand, generally, how your money is being spent and where it’s going. You probably only need 90 – 95% accuracy in your budgeting to get a good idea of where the money went.

The point of budgeting is to get information — information that you can act on and make good choices with.

TSS: How have free apps like Mint influenced public perception when it comes to budgeting?

I would answer this two ways, the optimist and the “realist”:

But, there's a catch: the long throw of the keys made us more prone to mistakes in our typing test. With its Wave-shape and long key presses, it reminded us quite a bit of Microsoft's now-famous Ergonomic 4000 keyboard. Best ergo

Best Budget App For Mac 2018