In those golden old days people uses note books, diaries and papers to record their daily budget. Most of those people have a personal diary or an expense book to track and analyse their daily, monthly and yearly expenses and income. But now people are lazy to write down something and the expense is growing day by day. But for a healthy budget one needs to tracks ones expense. Thanks to technology, instead of paper a big list of software, tools and apps are available to track your expense. Only thing you need is to find the right app, install it and add your expense and income daily. Most of such software have advanced charting features which will show your spending habits in a neat way. Here are a list of apps to check you to organize and track your expenses.
1. Personal Finances (3 versions-Free,Home,Pro)
Personal Finances is an elegant, super easy personal finance application for home users. With a glance at its summary view, reports and graphs, the user will gain deep insight into the financial health of the family budget, pinpoint areas of excessive expenditure and trim the budget. Featuring the scheduler, the program also enables you to track expected income, spending and see how much money you’ll have at a future date.
Personal Finances Free Edition – Basic edition is freeware and ideal for beginners. Novice users can learn how to create and track the budget much quicker than with full-featured accounting programs.Advanced edition. Includes scheduler,calendar , graphs and reports, printing, import/export and more.Professional edition includes all features of Home edition plus advanced budget, loans and credits keeping, notes (tasks) and account reconciliation.
2. Gnucash– Free
If you’re looking for a quick education in double entry accounting, look no further than GnuCash.The program is integrated with a reporting and graphing module to generate a full suite of standard and customizable reports including balance sheet, profit & loss, portfolio valuation, etc.
It does not track stock price movements automatically and some brokers only support online downloads of files compatible with Microsoft Money or Quicken so the users have to update them manually.Gnucash is 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. 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 Windows7.
Simple money management and budgeting,Easily organizes your personal and household budget: shows your bank and credit cards in one place,Automatically schedules bill reminders so you can avoid late fees with alerts on upcoming payments ,Shows exactly where your money’s going: expenses are tracked and categorized automatically.
4. Moneydance
Personal finance software that runs on OS/2, Linux, Windows, and any platform with Java support.Moneydance has many powerful features to help you keep your finances organized, safe, and up-to-date. Online banking and bill payment –Pay your bills in seconds without picking up a pen or licking a stamp. Moneydance can synchronize your records with transactions downloaded from your bank, with support for OFX, QFX, or QIF files.Track your portfolio-Follow your investments and bring your portfolio into focus with support for stocks, bonds, CDs, mutual funds, and more.Generate useful reports and graphs, quickly –Moneydance generates a variety of reports and graphs detailing information about your accounts. Built-in reports and graphs include: Budget, Missing Checks, Net Worth, Account Balances, Cash Flow, Transactions, Cost Basis, Income vs. Expenses, and VAT/GST. 
5. AceMoney
AceMoney helps to organize and manage personal finances quickly and easily. It supports all the features required for home or even small-business accounting needs: Manage multiple accounts of different types-AceMoney supports checking, savings, credit cards, loans, debt accounts. You can even create your own account type, such as a cash allowance for your kids.Get updated balances automatically -AceMoney can automatically download transactions, categorize them, and give you an updated balance to show you exactly how much you have spent.Track performance of investments-Track 401k, Stock options, Employee Stock Purchase Plans or any other investment activities. You don’t need to enter the stock quotes manually: AceMoney will download them from the net.Do your financial math in multiple currencies-The software supports more than 150 different currencies and automatically downloads their exchange rates from Internet.Categorize income and expenses-
AceMoney automatically categorizes all your business and personal transactions so you can see exactly where your money goes. Generate any report by categories or payors/payees, including pie charts. Now you can see at a glance how much you spent on food last month. Find all your withdrawals and deposits by any parameter.
BankTree personal finance software to help you to manage your money, budgeting and financial planning goals, with our free 14 day trial desktop software.
7. RichOrPoor
Full-featured personal & home accounting software and income & expense tracking software that’s easy-to-use.
8. iCash
iCash is a personal finance application intended to control and keep track of your incomes, expenses, credit cards, debts and Bank transactions.iCash is a software intended to control your personal finances, keeping track of incomes, expenses, credits, debts and Banks transactions for you. As simple as creating the accounts you need and move money between them! You don’t even need to know about accounting or even care about it! Your finances depend largely on good organization that lets you know where your money comes from and to where it goes.iCash can serve several small accounting needs for either private users, or clubs, associations, self-employed, small businesses or simply to be used at home, making keeping track of incomes, expenses and Banks transactions a snap. With a few clicks you can begin creating accounts and making transactions in minutes.
BudgetExpress is a user-friendly personal finance software that allows people to quickly and easily make their home budget.
10. HomeBank is a feature-rich program that allows users to keep detailed track of expenses, income, assets, and other budget-related categories. Numerous report-generation options are also available, as well as the ability for a user to import Amiga-related information.
11. GFP is a rich and full-featured program. It has numerous transaction and report categories, and also supports numerous edit and option settings for each transaction and report.
12. Money Manager EX is an excellent full-featured budget program that enables users to create multiple accounts, transactions, categories, and reports. The program is fairly easy to use, with a medium-level learning curve, and has an extensive help file to assist users on how to navigate the various features and options.Money management freeware. Handles transactions in savings, credit card and deposit accounts.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.
13. Grisbi is another GNU GPL open-source budget program that is full-featured, and allows users to created multiple, unlimited accounts, categories and reports.Free, open source personal accounting application running on several platforms including GNU/Linux and Windows.
[ Microsoft Money Plus is no longer available for purchase. All purchased Money Plus products must be activated prior to Jan. 31, 2011. Online services extensions are no longer available for Money Plus. ]
So we didn’t mention about it.
Conclusion
There are a lot of free and paid software are available, it is the user who decide which software suits his/her needs. Which software you are using? Can you suggest something new or even better ?
Have you come across a simple online software called <a href=http://1daylater.com>1DayLater – free online expense tracking</a> Its ultra simple and probably not for everyone but good for quickly tracking and analyising everyday expenses and budgets.