BudgetView (Community Edition) BudgetView (Community Edition) is a personal finance application built around a simple idea: instead of just listing past transactions, it helps users plan their future spending. The software organizes money into envelopes — visual categories for expenses and savings goals — so that each paycheck can be allocated ahead of time. This approach makes it easier to see how much remains for essentials and how much can safely be set aside. Everyday use

MoneyLog Desktop There’s nothing fancy about MoneyLog Desktop, and that’s the point. It’s a small desktop program that keeps track of money by storing everything in plain log files. Instead of dealing with databases or complex dashboards, the idea is to have clear, editable records that can be opened, searched, and backed up like ordinary text. Everyday use

Buddi Desktop Buddi Desktop is one of those small, open-source finance tools that has quietly found a place among people who just want to keep track of everyday money matters. It doesn’t try to look modern or polished, but it does the job: recording expenses, checking balances, and keeping budgets under control without turning it into a complicated process. Using it in practice

JMoney JMoney is an old but still handy finance program built in Java. It doesn’t try to look modern — the interface is plain, even a little dated — yet it covers the basics: accounts, categories, budgets, and reports. What makes it stand out is that it’s open-source, so users and developers have been adding plugins to keep it useful. Everyday use

AlauxSoft Accounts and Budget Free AlauxSoft Accounts and Budget Free is a down-to-earth home finance app. No fuss. It keeps the basics front and center: accounts, categories, and a budget that’s actually easy to follow. The interface feels familiar — a little classic, perhaps — which helps users focus on numbers instead of menus. Everyday use

SilverFinc Free A small, no-fuss desktop tool, SilverFinc Free focuses on the basics of home budgeting: recording income and expenses, keeping simple category budgets, and producing clear summaries. It runs locally on Windows, saves data to a file on the PC, and avoids cloud accounts or subscriptions. Nothing flashy — which, for many households, is exactly the point. How it’s used day to day