Microsoft Money 2005 International Free Microsoft Money 2005 International Free is a legacy edition of Microsoft’s personal finance software, offered as a free release after official development ended. Despite its age, it remains surprisingly capable for those who want a solid offline program to manage accounts, budgets, and simple reports. How it feels in use

Budget Tracker 4.0 Budget Tracker 4.0 is one of those small programs that keeps things simple. It doesn’t try to look modern or polished, but it does what most households need: track income, list expenses, and check them against a budget. The layout is plain, a little dated, but easy to follow. How it works in practice

ClearCheckbook Desktop ClearCheckbook Desktop is the offline version of the well-known ClearCheckbook service. It feels a little different from the online tool — here, everything stays on the computer. For users who don’t like storing financial data in the cloud, that’s often the main reason to pick it. The program itself is small, free, and focused on the basics: recording expenses, balancing accounts, and keeping a simple budget in view. Everyday use

YNAB 3 Free (old) YNAB 3 Free is a legacy version of You Need A Budget, released years before the software moved online. It looks dated now, but for many people it still does the essentials: plan a budget, track expenses, and see how money is being used. What makes it different from modern YNAB is simple — no subscriptions, no cloud, everything runs locally on a Windows machine. Everyday use

SimpleD Budget Free SimpleD Budget Free is a lightweight program designed for personal and household money management. It doesn’t overload the user with options — the focus stays on keeping a budget clear and easy to follow. The interface is straightforward, a bit minimal, but that’s exactly why it works well for people who prefer to keep things simple. How it works day to day

Personal Budget Planner 2008 Personal Budget Planner 2008 is one of those old programs that never really disappeared. It doesn’t look modern, and it doesn’t try to compete with today’s online apps, but for many families it still does the job. The layout is plain, a bit dated, yet it’s easy to follow. In the end, it’s about knowing where money goes, not about shiny graphics. Everyday use