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Best Personal Finance Software For Mac 2025: Alternatives To Quicken (Free & Paid)

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If you want to take control of your finances, we’ve taken a closer look at the best personal finance software for Mac of 2025 that also make excellent alternatives to Quicken for Mac.

We tested a wide range of financial management tools for macOS that not only do a better job of apps like Quicken, they’re often cheaper, offer one-time purchases or are even free.

In our research and testing, we found the best personal finance tool for Macs is Empower (FREE) which has no subscription, has excellent bank syncing support and a fantastically friendly user interface.

Here then is our extensive look at the best Mac compatible personal finance apps of 2025.

1. Empower (Free)

empower
Source: Empower

⭐ Why We Picked It

Empower combines the best investment tracking we’ve seen with reliable budgeting tools—completely free of charge. It syncs smoothly with most major banks and investment platforms using the secure Plaid network (which is far more reliable than Direct Connect used by Quicken and many other finance apps). Unlike many budgeting apps, it also helps analyze your retirement readiness, investment fees, and overall financial health. It does try to to sell you investment advisory services but you don’t have to use them if you don’t want to. While it doesn’t support file imports from Quicken, it’s the best Mac-compatible tool we’ve tried for those managing both personal finances and long-term assets.

👤 Who It’s Aimed At

Empower is ideal for:

  • Users with multiple financial accounts or investments
  • Those planning for retirement or big life changes
  • People seeking a free yet comprehensive financial dashboard
  • Mac users tired of Quicken syncing issues
✅ Pros❌ Cons
Completely free to useNo Quicken file import (QIF/QFX)
Syncs reliably with banks, credit cards, 401(k), etc.Can’t change transaction dates manually
Offers investment & retirement analysis toolsMinimal help with tax prep
Secure – doesn’t store or transmit your login detailsNo ability to transfer funds via the app
Optional access to live financial advisorsCSV export only; limited data import options
Excellent iOS app for managing on the goBudgeting features minimal

Quicken vs Empower

QuickenEmpower
Subscription Fee
Lifetime License
Easy To Use
All Accounts In One Place
Financial Advisors Available
Personalized Investment Strategy
Fiduciary
Smart Indexing
Mobile App
Customizable Portfolios
Tax Loss Harvesting
401k Fund Advice
Portfolio Risk Assessment
Compare Mutual Funds
Track Cost Basis & Capital Gains
Income & Expense Projection
Spending Targets
Works on M-Series Macs
Price$95.88/year (Premier)Free

Free Account Sign Up

👉 Full Empower review →

Pricing: Free

2. Moneyspire

moneyspire
Source: Moneyspire

⭐ Why We Picked It

If you prefer a traditional, offline desktop finance app over cloud-based tools, Moneyspire 2025 is one of the best Mac-compatible alternatives to Quicken. It offers customized budgeting, account tracking, and even invoicing—without subscriptions or mandatory cloud syncing. With support for Quicken and Mint file imports, check printing, and detailed financial reporting, it’s ideal for users who want control, simplicity, and privacy in a finance app. It even supports MS Money files making it one of the best alternatives to Microsoft Money we’ve tried too. Plus, it currently offers 40% off standard pricing, making it excellent value.

👤 Who It’s Aimed At

Moneyspire is perfect for:

  • Mac users who want a non-cloud-based, offline finance app
  • Former Quicken, Mint, or Microsoft Money users migrating data
  • Small business owners who need light invoicing tools
  • Anyone wanting a one-time purchase without a subscription model

✅ Pros❌ Cons
One-time purchase – no forced subscriptionAnnual upgrade needed to continue using Moneyspire Connect
Import/export support for Quicken, Mint, MS Money filesSyncing via Moneyspire Connect may require occasional re-authentication
Supports check printing (rare on Mac apps)Limited investment analysis tools compared to Empower
Includes bill reminders, budget tracking & reportingTax features are basic
Optional cloud sync + iOS app for on-the-go trackingNo fund transfers through the app
Includes invoicing (Pro version only)Invoicing features not available in Standard edition
30-day money-back guaranteeMajor updates require upgrade fee (discounted for existing users)

👉 Full Moneyspire review →

Pricing: Standard $59.99 / Pro with Invoicing $79.99. Free Trial available.

3. Banktivity

banktivity for mac
Source: Banktivity

⭐ Why We Picked It

Banktivity (formerly iBank) is one of the few personal finance tools built exclusively for Apple users, and it’s long been a favorite for macOS budgeting. Its deep Apple ecosystem integration (including iPhone, iPad, and Apple Watch apps), powerful syncing, and detailed reporting make it a top choice for managing personal finances—especially for users in the UK and EU thanks to its support for PSD2/Open Banking. While it’s now subscription-based, features like Direct Access syncing, customizable reports, and envelope budgeting make it worth the investment.

👤 Who It’s Aimed At

Banktivity is ideal for:

  • Long-time Mac users seeking an Apple-native finance tool
  • Quicken and Mint users looking to import years of data
  • International users needing UK/EU Open Banking support
  • Investors who want in-depth portfolio tracking
  • Users who prefer a fully-featured desktop and mobile experience
✅ Pros❌ Cons
Designed specifically for Mac, iOS, and Apple WatchSubscription-only (no one-time purchase option anymore)
Imports accounts from Quicken, Mint, and othersInvestment and multi-currency features locked behind higher-tier plans
Direct Access sync works reliably and supports Open Banking (UK/EU)Direct Access used to be optional; now bundled with subscription
Offers both traditional and envelope budgetingCosts more annually than some cloud-based competitors
Customizable and Quick Reports with taggingImporting historical data isn’t always perfect
Clean, modern UI and good mobile experienceNo full tax tools or advisor support

👉 Full Banktivity review →

Pricing: Bronze plan $59.99/year, Silver $79.99/year, Gold $99.99/year billed annually. Free trial available.

4. Moneydance

moneydance
Source: Moneydance

⭐ Why We Picked It

Moneydance is a longtime favorite for Mac users switching from Quicken, with strong investment tracking, multi-currency support, and powerful budgeting tools. Its straightforward interface offers a comprehensive financial overview, while add-ons and an improved undo feature give it some flexibility. The app also works offline, supports one-time purchases, and doesn’t force users into a subscription—making it a great value pick for desktop budgeting.

👤 Who It’s Aimed At

Moneydance is best for:

  • Quicken or Mint users looking to switch
  • Investors managing multiple currencies or asset types
  • Users wanting a one-time purchase option (non-subscription)
  • Those who value offline use and manual control over automation
  • Budgeters who want a customizable yet simple desktop tool
✅ Pros❌ Cons
One-time purchase available (no mandatory subscription)Bank syncing via Direct Connect can be unreliable
Strong investment tracking with real-time stock updatesMoneydance+ (via Plaid) costs extra ($40/year or $4/month)
Multi-currency supportNo EWC+ support for bank syncing
Clear calendar view of upcoming transactionsMobile app syncing only via Dropbox, which isn’t end-to-end encrypted
Includes reporting tools and useful add-onsImports from Quicken/Mint can generate duplicate transactions
New features include Balance Adjustment and Enhanced UndoMobile app is mostly for manual entry, not full functionality
90-day money-back guaranteeUI feels dated compared to some modern alternatives

👉 Full Moneydance review →

Pricing: $69.99 one off purchase or $9 per month with bank syncing included. Free trial available. You can also purchase Moneydance as a one-off purchase from the developer for $65 but this does not include MoneyDance+ for connecting to banks.

5. Copilot

copilot for mac
Source: Copilot

⭐ Why We Picked It

Copilot is one of the most visually polished budgeting apps available for macOS, originally exclusive to iOS but now available on Mac too. With daily spending snapshots, net worth tracking, category-based summaries, and a clean interface, it’s a great choice for users who value both design and functionality. It’s also recently added a Mint import tool with seamless syncing of accounts across iPhone, iPad, and Mac, making it one of the best alternatives to Mint on a Mac too.

👤 Who It’s Aimed At

Copilot is ideal for:

  • iPhone and iPad users who want a synced Mac budgeting experience
  • Visual thinkers who want modern, attractive interfaces
  • Former Mint users thanks to the Mint import tool
  • U.S.-based users seeking simple yet powerful money tracking
✅ Pros ❌ Cons
Slick, intuitive design across all Apple devicesCurrently only available in the U.S.
Tracks spending, budgets, investments, and net worthLacks some advanced features power users may want
Daily snapshots and bill reminders for better money awarenessNo manual CSV/QIF importing at the moment
Syncs automatically across iPhone, iPad, and Mac$13/month or $95/year – no free version available
Supports category rollovers for unused budgetsImport tool for Mint still in development
Available on both Intel and Apple Silicon MacsNo investment drill-down like other desktop apps

👉 Read our full Copilot review →

Pricing: $13/month or $95/year. You can download the Copilot app from the Mac App Store for both Intel and Apple Silicon apps and also get it from the Copilot website.

6. Money Pro

money pro for mac
Source: Money Pro

⭐ Why We Picked It

Money Pro combines a clean design with flexible budgeting and bill tracking tools, making it a good option for users who want a simple but functional budgeting app across Mac, iPhone, and iPad. It offers calendar-based bill planning, real-time alerts, and support for syncing accounts and bank data (with a Gold subscription). It’s especially appealing to those that like to stick to Apple devices who don’t need the complexity of Quicken or Banktivity.

👤 Who It’s Aimed At

Money Pro is best suited for:

  • Users who want a lightweight, Apple-centric finance app
  • Families or couples needing profile-based budgeting
  • Manual budgeters who prefer checkbook-style tracking
  • Those who want calendar-style scheduling of bills
✅ Pros❌ Cons
Simple and attractive interface across Mac, iPhone & iPadKey features require multiple in-app purchases (up to $69.99)
Calendar and Today views for bill tracking & forecastsNo envelope budgeting feature
Supports manual reconciliation and receipt photo attachmentsBank syncing can be inconsistent depending on the institution
Syncs via iCloud and supports multiple currenciesiCloud syncing can lag across devices
Import bank statements (CSV, OFX) and generate detailed reportsNo free trial available
Allows multiple user profiles with overspending alertsBase app is $0.99 but full functionality locked behind subscriptions

👉 Read our full Money Pro review →

Pricing: $0.99 plus in app purchases for Plus features $29.99 and Gold features $69.99

7. Tiller

tiller
Source: Tiller

⭐ Why We Picked It

Tiller is ideal for spreadsheet lovers who want powerful automation without sacrificing flexibility. It connects to your bank accounts and automatically pulls transactions into Google Sheets or Excel, letting you customize every detail of your budget or financial tracking. It’s perfect for anyone who prefers raw data, wants full control over categorization, and appreciates that their financial data stays local, not in the cloud.

👤 Who It’s Aimed At

Tiller is best suited for:

  • Spreadsheet users familiar with Excel or Google Sheets
  • DIY budgeters who want total customization
  • Users who prefer storing data locally
  • Those who want advanced tracking dashboards without a full-blown app
✅ Pros❌ Cons
Fully automates bank feeds into spreadsheetsSetup takes time, especially from scratch
Works with both Google Sheets and Microsoft ExcelNot ideal for users unfamiliar with spreadsheets
Customizable templates and reportsNo native desktop or mobile apps
New Spending Trends dashboard adds visual insightsInterface not as polished as traditional apps
No cloud storage — data stays in your spreadsheetLimited real-time alerts or automation beyond feeds
30-day free trial$79/year subscription fee

👉 Read our full Tiller review →

Pricing: $79/year. You can try a 30 day free trial of Tiller.

8. Money Manager Ex

money manager ex
Source: MacHow2

⭐ Why We Picked It

Money Manager Ex (MMEX) is a completely free, open-source personal finance app that covers the basics—budgeting, expense tracking, and investment monitoring—all without storing any data in the Cloud. It’s a great no-frills option for those who want full control over their finances offline.

👤 Who It’s Aimed At

Perfect for:

  • Users who want free, offline finance software
  • Those comfortable without bank syncing
  • People looking to import old Quicken data
✅ Pros❌ Cons
Completely free and open sourceNo online bank syncing
Supports budgeting, expense tracking, and basic investment monitoringInterface is basic and not very modern
Imports CSV and Quicken QIF filesNo official support (community only)
Works entirely offline—no Cloud storageFeatures are more limited than paid apps

👉 Read our full Money Manager Ex review →

Pricing: Free

9. YNAB

ynab budgeting
Source: YNAB

⭐ Why We Picked It

YNAB is one of the best tools for people who struggle to stick to a budget. It’s built around four powerful money principles that teach you to allocate every dollar, prepare for irregular expenses, and roll with surprises. While it lacks investment tracking and multi-currency support, its approach is transformative for those focused on gaining control of day-to-day spending. It’s also one of the few apps with Apple Watch and Alexa support.

👤 Who It’s Aimed At

YNAB is perfect for:

  • Users trying to break the paycheck-to-paycheck cycle
  • Students and families looking for financial discipline
  • Budgeters who want education, not just software
  • Those who don’t need investment features or multi-currency
✅ Pros❌ Cons
Highly effective, rule-based budgeting methodNo investment tracking or multi-currency support
Syncs with over 12,000 banks via Direct ConnectNo support for EWC+ (some banks won’t sync)
Connects to UK/EU banks via TrueLayerNo Bill Pay features
Works across Mac, iOS, iPad, Apple Watch, and even AlexaDropbox-only sync, no iCloud or built-in cloud sync
Clear net worth and spending reportsLearning curve for YNAB’s budgeting method
34-day free trial + free for US college students$109/year or $9.08/month

Pricing: $109/year or $9.08/month – Free Trial

10. MoneyWiz

moneywiz for mac
Source: MoneyWiz

⭐ Why We Picked It

MoneyWiz offers excellent value for Mac users looking for a full-featured personal finance app with a sleek Apple-native design. It supports nearly every type of account, including crypto and investments, and allows syncing through multiple bank connection services for greater reliability. With a generous free desktop version and low-cost subscriptions, it’s one of the most affordable and flexible alternatives to Quicken.

👤 Who It’s Aimed At

MoneyWiz is ideal for:

  • Mac and iOS users who want a consistent experience across devices
  • Those managing diverse accounts including crypto and investments
  • Budgeters looking for customizable syncing and strong visuals
  • Users wanting flexibility in bank connection options
✅ Pros❌ Cons
Free desktop app with optional affordable subscriptionsSyncing requires a subscription
Gorgeous Apple-native interfaceNo live chat support in the Mac version
Tracks everything—banking, crypto, loans, stocks, investmentsSyncing can occasionally break (often due to third-party aggregators)
Flexible bank syncing with 3 connection services
Reliable syncing between macOS and iOS
Investment syncing, including Robinhood
Active developer support

Pricing: Free desktop app / Standard Subscription $24.99/year / Premium $49.99/year or $4.99/month

11. CheckBook Pro

checkbook pro for mac
Source: CheckBook Pro

⭐ Why We Picked It

CheckBook Pro is a no-frills check register app for Mac that does exactly what it promises—tracks your money without the complexity or cost of full finance suites. It’s ideal for users who want a simple, offline solution without subscriptions or cloud dependency.

👤 Who It’s Aimed At

CheckBook Pro is perfect for:

  • Users who prefer manual checkbook-style budgeting
  • Anyone who wants a lightweight, offline money tracker
  • Those migrating from Quicken or similar tools using standard formats like QFX, OFX, or CSV
✅ Pros❌ Cons
One-time payment—no subscription requiredNo automatic bank syncing
Very easy to useBest suited for 1–2 accounts only
Great migration support from Quicken and other formatsManual data entry is time-consuming
Generates detailed reportsImporting and organizing external data can be tedious
Check printing and iCloud sync in Pro version

Pricing: $29.99 from the Mac App Store and there’s a free trial.

12. SEE Finance 2

see finance 2
Source: SEE Finance 2

⭐ Why We Picked It

SEE Finance 2 is a powerful, Mac-native budgeting app that’s especially good for users migrating from Quicken. With strong investment tracking, accurate import tools, and support for over 150 currencies, it’s one of the most robust personal finance apps designed specifically for macOS.

👤 Who It’s Aimed At

SEE Finance 2 is ideal for:

  • Former Quicken or Mint users needing reliable data import
  • Investors needing detailed portfolio tracking
  • Users with multi-currency accounts
  • Those wanting a native macOS experience with iOS syncing
✅ Pros❌ Cons
Designed from the ground up for MacNo support for Bill Pay
Excellent Quicken QIF and Mint CSV import accuracyNo EWC+ support—may limit bank syncing as Direct Connect is phased out
Great investment tracking and detailed financial reportsRequires setup for syncing and Direct Connect may not work with all banks
Supports 150+ currencies
Syncs via iCloud with the iOS app

Pricing: $39.99 – Free Trial

13. CountAbout

countabout
Source: Countabout

⭐ Why We Picked It

CountAbout is a clean, affordable budgeting app that supports direct Quicken file imports with minimal cleanup needed. It’s a great choice for those transitioning from Quicken and looking for a lightweight, subscription-based alternative.

👤 Who It’s Aimed At

CountAbout is ideal for:

  • Quicken users who want easy data migration
  • Budgeters who want bank syncing at a low cost
  • Users who don’t need extras like Bill Pay or investment planning
✅ Pros ❌ Cons
Excellent Quicken (QIF) import accuracyNo Bill Pay support
Low annual cost compared to alternativesLimited features beyond budgeting and syncing
Direct Connect included with PremiumDirect Connect support may decline as banks switch to EWC+
45-day free trialNo native macOS desktop app—browser-based only

Pricing: $9.99/year or $39.99/year with Direct Connect. 45 day free trial.

14. MoneyWell

moneywell for mac

⭐ Why We Picked It

MoneyWell is a Mac-first budgeting app built around envelope-style budgeting—ideal for those who want to manage spending in real time rather than just track it. Its intuitive visualizations and transaction syncing make it a solid choice for Mac users who appreciate simplicity with power under the hood.

👤 Who It’s Aimed At

Perfect for:

  • Users who prefer envelope budgeting
  • Mac users who want clear visual reports
  • Those looking for a balance between manual control and automation
✅ Pros❌ Cons
Uses envelope budgeting to manage spending goalsNo support yet for EWC+—Direct Connect is being phased out
Built specifically for macOS with a clean interfaceSubscription-based pricing only ($49.99/year or $5.99/month)
Smart interactive reports and graphsFree version limits you to 200 transactions if you cancel subscription
iOS app (MoneyWell Express) available again for mobile accessPast issues with syncing (now resolved)

Pricing: $5.99/month or $49.99/year

Comparison Table

Quicken Import SupportPricingFree TrialInvestingBudgetingBank Syncing
EmpowerNoFreeN/AYesNoYes
Money-spireYes$59.99 one-time30 daysYesYesNo
BanktivityYesStarts at $59.99/y30 daysYesYesYes
Money-danceYes$69.99 one-time or $9.00/m with bank syncing90 daysYesYesYes
CopilotNo$13/m or $95.00/y30 daysNoYesYes
Money ProYes$4.99 plus $29.99/y Plus or $69.99/y Gold7 daysLimitedYesYes
TillerYes (via CSV)$79/y30 daysYesYesYes (via Sheets)
Money-Manager ExYes (via CSV/QIF)FreeN/AYesYesNo
YNABNo$109/y or $9.08/m34 daysNoYesNo
MoneyWizYes$49.99/y30 daysYesYesYes
Check-Book ProNo$29.99 one-time30 daysNoYesNo
SEE Finance 2Yes$39.99 one-time30 daysYesYesYes
Count-AboutYes$9.99/y or $39.99 with Direct Connect15 daysNoYesYes
Money-WellYes$49.99 one-time or $5.99/m60 daysNoYesNo

What We Looked for in These Apps

When selecting the best money management apps for Mac, we focused on features that improve both functionality and user experience:

Mac Compatibility

All apps reviewed are compatible with Apple Silicon and the latest macOS versions, including macOS Sequoia.

🔄 Bank Syncing

Unlike Quicken, which often struggles with bank syncing, these apps offer more reliable options. With Direct Connect being phased out, we prioritized apps that support newer standards like Express Web Connect+ or Plaid.

📱 Mobile App Support

Most apps offer fully-featured iPhone and iPad apps—much better than Quicken’s limited mobile version.

📈 Investment Tracking

Many apps here offer stronger investment tools than Quicken for tracking stocks, retirement accounts, loans, and more.

💰 Budgeting

We focused on tools that make it easy to visualize and manage budgets without the complexity of older apps like Quicken.

📄 Paperless Finance

Several of these apps centralize account and bill management, making it easier to go paperless on your Mac.

🧾 Tax Readiness

Some apps also help organize finances for easier tax preparation.

Best Personal Finance Software for Mac Overall

🏆 Empower – Best for overall financial management and investments.
It’s completely free and makes budgeting and tracking assets far easier than Quicken. Plus, it looks and feels like a native Mac app—unlike Quicken’s ported design.

Best Budgeting Software for Mac

💡 YNAB (You Need A Budget) – Best for pure budgeting.
It’s designed around helping you stick to a budget, with powerful features to stay on track.
📱 Copilot – Best for Apple-focused users.
Slick, well-designed Mac and iOS apps with strong budgeting tools (but no investment features).

Best Mint Alternative for Mac

With Mint now shut down and absorbed into Credit Karma (which lacks full budgeting tools), your best alternatives are:

  • 💰 Budgeting: Copilot (not free, but intuitive)
  • 📊 Investments: Empower (free and more powerful than Mint)

For more options, check out our full guide to Mint alternatives for Mac.

Best UK Personal Finance Apps for Mac

Most top tools, like Empower, are US-only. However, these are UK-compatible:

  • Banktivity: Supports PSD2/Open Banking; connects to many UK/EU banks via Salt Edge.
  • YNAB: Since 2023, supports UK/EU banks via TrueLayer.

Note: Money Dashboard is now discontinued.

Other mobile-first UK budgeting apps include:

  • Plum – Free, with paid plans from £1/month
  • Budget by Koody – Free or £1/month
  • Emma – Free, or £9.99/month for premium features
  • Moneyhub – Free, with extras from £1.49/month
  • Snoop – Free or £3.99/month
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