10 Best Personal Finance Software For Mac 2026 Reviewed: Alternatives To Quicken (Free & Paid)

If you want to take control of your finances, we’ve taken a closer look at the best personal finance software for Mac of 2026 that also make excellent alternatives to Quicken for Mac.

We tested and reviewed 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 in some cases, are even free.

Here then is our roundup of the best Mac compatible personal finance apps of 2026.

If you’re only looking for something simple to manage your finances, you may also want to read our guide on the best checkbook software for Mac or for investment tracking, the best investment portfolio trackers for Mac.

Quick Picks: Best Personal Finance Software for Mac (2026)

• Best overall: Moneyspire
• Best for Mac users: Banktivity
• Best one-time purchase: Moneydance
• Best for budgeting: YNAB
• Best modern app: Copilot
• Best for forecasting: PocketSmith
• Best free option: Empower (US only)

Quick Comparison of the Best Mac Finance Apps By Use Case

Software	Key Features	Best For
Moneyspire	Offline finance tracking, budgeting, Quicken import, one-time purchase	Users wanting a simple offline Quicken alternative
Banktivity	Mac-native app, budgeting, investments, Open Banking sync	Advanced Mac users needing full financial oversight
Moneydance	One-time purchase, investment tracking, multi-currency support	Users who want a Quicken-style desktop app without subscription
Copilot	Modern UI, spending insights, net worth tracking	Visual, mobile-first budgeting users (US only)
Money Pro	Budgeting, bill tracking, iCloud sync	Simple Apple ecosystem budgeting
PocketSmith	Cash flow forecasting, long-term financial planning	Users who want future financial projections
Tiller	Spreadsheet-based budgeting in Excel/Google Sheets	Advanced users who want full control of their data
YNAB	Rule-based budgeting system, bank sync, goal tracking	Users focused on strict budgeting discipline
Empower	Free web-based dashboard, investment tracking	Users focused on investments (US only)
Money Manager Ex	Free, offline budgeting, manual tracking	Basic offline finance tracking

1. Moneyspire

⭐ Why We Picked It

If you prefer a traditional, offline desktop finance app over cloud-based tools, Moneyspire 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

👉 Full Moneyspire review

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

✅ Pros	❌ Cons
One-time purchase – no forced subscription	Annual upgrade needed to continue using Moneyspire Connect
Import/export support for Quicken, Mint, MS Money files	Syncing 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 & reporting	Tax features are basic
Optional cloud sync + iOS app for on-the-go tracking	No fund transfers through the app
Includes invoicing (Pro version only)	Invoicing features not available in Standard edition
30-day money-back guarantee	Major updates require upgrade fee (discounted for existing users)

2. 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

👉 Full Banktivity review

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

✅ Pros	❌ Cons
Designed specifically for Mac, iOS, and Apple Watch	Subscription-only (no one-time purchase option anymore)
Imports accounts from Quicken, Mint, and others	Investment 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 budgeting	Costs more annually than some cloud-based competitors
Customizable and Quick Reports with tagging	Importing historical data isn’t always perfect
Clean, modern UI and good mobile experience	No full tax tools or advisor support

3. 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

👉 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.

✅ Pros	❌ Cons
One-time purchase available (no mandatory subscription)	Bank syncing via Direct Connect can be unreliable
Strong investment tracking with real-time stock updates	Moneydance+ (via Plaid) costs extra ($40/year or $4/month)
Multi-currency support	No EWC+ support for bank syncing
Clear calendar view of upcoming transactions	Mobile app syncing only via Dropbox, which isn’t end-to-end encrypted
Includes reporting tools and useful add-ons	Imports from Quicken/Mint can generate duplicate transactions
New features include Balance Adjustment and Enhanced Undo	Mobile app is mostly for manual entry, not full functionality
90-day money-back guarantee	UI feels dated compared to some modern alternatives

4. 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

👉 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.

✅ Pros	❌ Cons
Slick, intuitive design across all Apple devices	Currently only available in the U.S.
Tracks spending, budgets, investments, and net worth	Lacks some advanced features power users may want
Daily snapshots and bill reminders for better money awareness	No 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 budgets	No investment drill-down like other desktop apps
Available on both Intel and Apple Silicon Macs

5. 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 software-style tracking
• Those who want calendar-style scheduling of bills

👉 Read our full Money Pro review

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

✅ Pros	❌ Cons
Simple and attractive interface across Mac, iPhone & iPad	Key features require multiple in-app purchases (up to Gold version which is $69.99)
Calendar and Today views for bill tracking & forecasts	No envelope budgeting feature
Supports manual reconciliation and receipt photo attachments	Bank syncing can be inconsistent depending on the institution
Syncs via iCloud and supports multiple currencies	iCloud syncing can lag across devices
Import bank statements (CSV, OFX) and generate detailed reports	No free trial available
Allows multiple user profiles with overspending alerts	Base app is $0.99 but full functionality locked behind subscriptions

6. PocketSmith

⭐ Why We Picked It

PocketSmith stands out for its powerful financial forecasting tools, making it one of the best personal finance apps for long-term planning on a Mac. Unlike most budgeting tools that only track past spending, PocketSmith allows you to project your finances years – or even decades – into the future using detailed cash flow forecasts. It also offers strong budgeting, multi-currency support, and bank syncing, making it a great option for users who want both day-to-day tracking and long-term financial visibility. While it’s web-based rather than a native Mac app, it works seamlessly in any browser and syncs across devices.

👤 Who It’s Aimed At

PocketSmith is ideal for:

• Users who want to forecast their finances long-term
• Planners tracking future cash flow, savings, and investments
• Those managing multiple currencies or international accounts
• Users who prefer a flexible, data-driven budgeting approach

Pricing: Free plan available / Premium plans from $9.95/month. Free trial available.

✅ Pros	❌ Cons
Industry-leading financial forecasting tools (up to decades ahead)	Not a native Mac desktop app (browser-based)
Supports budgeting, expense tracking, and basic investment monitoring	Some features locked behind higher-tier plans
Supports multiple currencies and global accounts	Interface can feel complex for beginners
Reliable bank syncing (region dependent)	Higher cost than some simpler budgeting apps
Free plan available for basic use	Forecasting features may be overkill for casual users

7. 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 within Excel or Google Sheets.

👤 Who It’s Aimed At

Tiller is best suited for:

• Spreadsheet users familiar with Excel or Google Sheets
• DIY budgeters who want total customization
• Those who want advanced tracking dashboards without a full-blown app

👉 Read our full Tiller review

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

✅ Pros	❌ Cons
Fully automates bank feeds into spreadsheets	Setup takes time, especially from scratch
Works with both Google Sheets and Microsoft Excel	Not ideal for users unfamiliar with spreadsheets
Customizable templates and reports	No native desktop or mobile apps
New Spending Trends dashboard adds visual insights	Interface not as polished as traditional apps
30-day free trial	Limited real-time alerts or automation beyond feeds
	$79/year subscription fee

8. 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

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

✅ Pros	❌ Cons
Highly effective, rule-based budgeting method	No investment tracking or multi-currency support
Connects to UK/EU banks via TrueLayer	No support for EWC+ (some banks won’t sync)
Works across Mac, iOS, iPad, Apple Watch, and even Alexa	No Bill Pay features
Clear net worth and spending reports	Syncs via bank aggregators (e.g. Plaid/TrueLayer depending on region)
34-day free trial + free for US college students	Learning curve for YNAB’s budgeting method
	$109/year or $9.08/month

9. Empower (Free)

⭐ Why We Picked It

Empower is web based but combines the best investment tracking we’ve seen with reliable budgeting tools – and is completely free. 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

👉 Full Empower review

Pricing: Free

✅ Pros	❌ Cons
Completely free to use	No Quicken file import (QIF/QFX)
Syncs reliably with banks, credit cards, 401(k), etc.	CSV export only
Offers investment & retirement analysis tools	Web based – not a Mac app
Secure – doesn’t store or transmit your login details
Optional access to live financial advisors
Excellent iOS app for managing on the go

10. Money Manager Ex (Free)

⭐ 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 are looking for a simple offline checkbook software for Mac and 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

👉 Read our full Money Manager Ex review

Pricing: Free

✅ Pros	❌ Cons
Completely free and open source	No online bank syncing
Supports budgeting, expense tracking, and basic investment monitoring	Interface is basic and not very modern
Imports CSV and Quicken QIF files	No official support (community only)
Works entirely offline – no Cloud storage	Features are more limited than paid apps

Other Personal Finance Apps for Mac Worth Considering

The following budgeting apps didn’t quite make our top ten list, but if none of the above are what you are looking for, may be worth considering.

• MoneyWiz – A flexible, Apple-native finance app with support for everything from banking to crypto and investments. Offers a free desktop version with optional subscriptions for syncing, making it a good value pick for users who want a feature-rich all-in-one tool.
• SEE Finance 2 – A powerful Mac-first app with strong investment tracking and excellent Quicken import support. Ideal for users migrating large datasets, although bank syncing options are more limited than some competitors.
• CountAbout – A simple, low-cost budgeting tool with reliable Quicken import support. It’s browser-based rather than a native Mac app, but a good lightweight option for basic budgeting and syncing.
• MoneyWell – A Mac-focused budgeting app built around envelope budgeting. Best suited to users who want a visual, hands-on way to manage spending rather than track investments.
• Quicken Simplifi – A modern, web-based alternative from Quicken with strong budgeting and spending insights. However, it’s primarily aimed at U.S. users and lacks a dedicated Mac desktop app.
• GnuCash – A free, open-source finance tool with advanced double-entry accounting features. It’s powerful but better suited to experienced users comfortable with more technical financial management.

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 the latest versions of macOS.

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

Moneyspire – Best Mac personal finance software app overall. Makes budgeting and tracking assets far easier than Quicken. Plus, it 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 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.
• Pocketsmith: Supports UK bank feeds via Salt Edge. Connects with Sharesight for portfolio tracking too.

Although they are not Mac based, other mobile-first UK budgeting apps you may want to consider 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
• Snoop – Free or £3.99/month