Moneydance review

Moneydance, from The Infinite Kind, is the pick for people who are tired of subscriptions. You buy it once, the purchase includes a free upgrade to the next major release, and the company says it never sunsets software, so you can keep using your copy indefinitely. One license covers a whole household for personal use on any number of computers, across Mac, Windows and Linux. The program covers online banking and bill payment, account registers that look like a checkbook, reminders for recurring payments, budgets, graphs and reports, investment tracking with cost basis, and multiple currencies. Data is encrypted and stays private. Free mobile apps sync with the desktop. Automatic downloads from over eleven thousand North American institutions need the optional Moneydance+ subscription. The vendor page showed prices in local currency from our location, so we have not listed a USD figure. The free trial stops at 100 manual transactions.

Who it is for

People who prefer to buy desktop software once rather than pay a subscription.

Price

See vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• Online banking and bill payment with hundreds of institutions
• Budgeting, graphs and reports
• Investment tracking with cost basis and price downloads
• Multi-currency support
• Free mobile apps that sync with the desktop

Strengths and weaknesses

• Strength: One-time purchase that Infinite Kind says it never sunsets
• Strength: One license per household for personal use, on any number of computers
• Strength: 90-day money-back guarantee
• Weakness: Automatic bank downloads need the optional Moneydance+ subscription
• Weakness: The free trial is limited to 100 manually entered transactions
• Weakness: Fewer automated budgeting aids than the cloud apps

Key facts

• Platforms: Mac, Windows and Linux
• License: One per household for personal use
• Refund: 90-day money-back guarantee
• Bank network: Over eleven thousand North American institutions with Moneydance+

Where it ranks

Moneydance is No. 8 in our Best Personal Accounting Software verdict.