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There are no longer any excuses for you not to be using a personal financial software program to help you track income and expenses allowing you to live within your means. Listed below (in no particular order) are the top 10 Free Personal Financial Software Programs available today.

In this post I am not going to personally evaluate each one. That will be for another day, one in which I have some time to tinker around intimately with each one. For now a list with the developers synopsis will have to suffice.

• MyPhpMoney: MyPhpMoney is a tool written in PHP to manage bank accounts thru a web interface. It uses mysql to store data and relies on PHPLIB (template, session and database abstraction).
• jGnash: jGnash is a free (no strings attached!) personal finance manager with many of the same features as commercially-available software. It was created in order to make tracking your personal finances easy, but also provides the functionality required by advanced users. jGnash is cross-platform and will run on any operating system that has a working Java 1.4.0 or greater Runtime Environment (e.g., Linux, OS X, and Microsoft Windows).
• KMyMoney: KMyMoney is the Personal Finance Manager for KDE. It operates similar to MS-Money and Quicken, supports different account types, categorisation of expenses, QIF import/export, multiple currencies and initial online banking support.
• Mjrz.net: Mjrz.net is a free, open source Personal finance software application. It is designed for home and small business users with simple interface and fast user interaction. It is safe and secure with password based encryption for storing all financial data.
• GnuCash: GnuCash is personal and small-business financial-accounting software, freely licensed under the GNU GPL and available for GNU/Linux, BSD, Solaris, Mac OS X and Microsoft Windows. Designed to be easy to use, yet powerful and flexible, GnuCash allows you to track bank accounts, stocks, income and expenses. As quick and intuitive to use as a checkbook register, it is based on professional accounting principles to ensure balanced books and accurate reports.
• SimpleDBudget: SimpleD Budget is an open source Windows application designed for personal or household financial management. With SimpleD Budget, you can keep track of your expenses for each month by allocating your income into “categories” such as Mortgage, Entertainment, etc., and as you spend money throughout the month, you enter the amount into a category. SimpleD Budget will let you see how much you have left in each category, or see how fast you are spending. It supports multiple languages(Unicode) and multiple currencies.
• Buddi: Buddi is a personal finance and budgeting program, aimed at those who have little or no financial background. In making this software, I have attempted to make things as simple as possible, while still retaining enough functions to satisfy most home users.
• Money Manger Ex: Money Manager Ex© is a free, open-source, cross-platform, easy-to-use personal finance software. It primarily helps organize one’s finances and keeps track of where, when and how the money goes. It is also a great tool to get a bird’s eye view of your financial worth. Money Manager includes all the basic features that 90% of users would want to see in a personal finance application. The design goals are to concentrate on simplicity and user-friendliness - something one can use everyday. Money Manager Ex is a complete rewrite of the original Money Manager .NET. It can run on Windows and linux currently and a port to other platforms can be made if required.
• GFP Personal Finance Manager: GFP – Personal Finance Manager – is a software that aids on personal finances administration offering a variety of reports, charts and filtering data on screen where is possible to obtain important information for your financial health.
• Mint: Mint is a modern, powerful, easy and secure Web–based solution for online financial management. And it’s free. You register anonymously using any valid email address, and then add the log–in information for the online bank, credit union, credit card and investment accounts you want to consolidate in Mint.

There you have it. The Top 10 Free Personal Financial Software Programs available today. Some are obviously better than others however I have only operated a few of them so as of yet I can’t discuss the ups and downs of each. I have clients, family and friends that use some of these programs too so over the next few weeks I’ll try and bring you a detailed review of each one.