Family budget program. What the review will look like

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Hello dear reader. The author of the I-MOM blog, Liliya Maltseva, is in touch with you. I have long promised to tell you about which accounting program family budget I use it in my family. This article will talk about just that.

I will tell:

what program do I use at home to keep track of the family budget?
What opportunities does the family budget accounting program I recommend have?
how to use the program

Here in this article you can also download the executive file to install the program on your computer and start using it.

What family budgeting program do I use for my home?

To account for the family budget I use free program for personal finance accounting AbilityCash version 3.06.267.

Here you can download the Family Budget program for free

Installing the program consists of running executable file on your computer. Immediately after this, the program is ready to work. The program is supported by the website http://dervish.ru.

Features and capabilities of the AbilityCash program version 3.06.267:

Download file size 1.1 MB
the interface is completely Russian,
works for Windows platforms 2000/XP/Vista/7/8/10 32&64-bit
cost is FREE
It is possible to maintain multiple accounts
allows you to keep track of income and expenses
will allow you to generate reports
allows you to plan your family budget
It is possible to protect the database with a password

How to use AbilityCash version 3.06.267

I warn you that my goal is not to describe exclusively all the functions of this program; I will only talk about those that I personally use and with which I am well familiar from practice.

After installing the program on your PC, you will first need to:

create all existing accounts and wallets
create income and expense items

On this photo The "Accounts" tab is shown using our family as an example.

This photo shows the “Articles” tab using our family as an example. Arrival items.

This screenshot shows the “Articles” tab using our family as an example. Expense items.

This screenshot shows the operation of entering an incoming transaction.

This screenshot shows a transfer operation from one account to another. Specifically, withdrawing cash from a card.

This screenshot shows the process of generating the final report for the period.

To summarize:

The proposed program is an excellent option for managing a family budget. It is free, convenient and, most importantly, easy to install and learn. Perhaps for those who have already had experience in other personal finance accounting applications, there will be something missing for a full analysis, but this is their choice and right. It’s convenient for me to work with this program and I’ve been using it for 1.5 years now and I’m not going to change it to another. If you, like me, are not looking for difficult paths, I recommend that you keep track of your family budget income and expenses in the AbilityCash program.

Money is like water - it flows through your fingers, no matter how hard you try to hold it. And figuring out where they flow can be very difficult. Few of us keep in mind the amount of daily small expenses, but it is they who create that very gap in the family budget that is not clear from where.

Have you finally decided to put your family finances in order? Don't rush to sign up for accounting courses. Your personal economic advisor can be computer program. Don't think that this is something complicated and expensive. Many programs for home accounting are completely free and do not require special knowledge of economics. They will open up channels of cash leakage for you, take charge of balancing “debit with credit”, teach you how to plan your budget correctly and tell you where you can save. As practice shows, those who regularly use such programs have managed to reduce monthly expenses by 5-25%.

More than 15 years old, but users still consider this program one of the best among its analogues. It does not shine with sophistication of design, but it is very clear and simple, as can be judged even by the appearance of the main window. In addition, it is very functional: if you compare the capabilities of CashFly and the bulk free analogues, then the first wins in many ways.

Here is an incomplete list of what she can do:

Work without installation, which allows you to use it on different computers(for example, at work and at home). It is enough to unpack the archive with application files into separate folder and save to removable media or in the cloud.
Keep records of income and expenses for an unlimited number of items, several accounts and in different monetary units. Initially, the program contains US dollars and rubles, but you can add other currencies.
Take into account the income and expense transactions of several users - both in the general budget and separately.
Maintain accounting for a small enterprise.
Make calculations using a calculator.
Make account statements, compile summary reports on the flow of funds for selected periods of time and display them in the form of graphs and charts.
Print summaries.
Protect data with a password.
Plan a budget for future periods.
Save old data in archives.
Store user notes (diary) and phone book, more precisely, lists of organizations and individuals with their phone numbers, addresses, dates of birth and other information. Make reminders about events.
Convert amounts from one currency to another, according to user set course.
Disable unused features.

Unfortunately, the development of CashFly is currently stopped. Its last version was released in 2010, and since then the product has not been updated. The list of systems it supports officially only includes Windows 7 and earlier OSes, but, as it turned out, it starts and works on Windows 10 without any problems.

(download from the mirror) is another worthwhile personal finance management tool, but, like CashFly, it has long been abandoned by its developers.

The main advantages of the program are simplicity and flexibility, as well as high performance due to the absence of rarely used functions. The user can customize the appearance of the main window to his liking by enabling or disabling individual blocks and panels in it.

How Xenon will help you control your Family budget:

Will take charge of accounting for incoming and outgoing transactions for any period of time. A list of the main items of income and expenses is already present in the program. Each operation can be supplemented with text notes and comments.
Allows you to control the movement of funds on several accounts in five currencies: Russian ruble, Ukrainian hryvnia, Kazakh tenge, US dollar and euro. Current rates do not need to be entered manually, as in CashFly. Just download them from the Internet.
Shows reports by transaction types and currencies for the selected period of time.
Exports selected data to Excel documents or print them on a printer.
Saves your notes about various events.

"Xenon Family Budget" is a single-user program, but allows you to keep track of the income and expenses of several family members. There are no restrictions on the amounts, numbers of accounts and transactions.

The last release of the program was released in 2006, and since then it has also never been updated. However, no problems were noticed using it on Windows 10.

It is a lightweight version of AceMoney - an advanced commercial product for home accounting. Difference free version from paid - the ability to manage only two accounts (the program counts not only funds stored in the bank as an account, but also, for example, cash belonging to the family). The remaining functions of both products are almost the same.

AceMoney Lite features:

Control and accounting of any incoming and outgoing transactions.
Automatic accounting of regular payments and income (for example, loan payments and salaries) according to a user schedule.
Supports 150 world currencies. Displays exchange rates in real time (if you have Internet access).
Planning a budget for various purposes over different periods of time.
If a bank account is connected to the program, AceMoney can receive up-to-date data on its status directly from the bank (however, the program is not “friendly” with Russian banks).
Displaying current information about the value of exchange shares ( significant information for investors).
Calculation of debts (payments on loans and credits), savings (deposits and deposits), mortgage payments.
Various types of reporting: on the movement of funds in the account, expenses, income, expense categories (for example, monthly expenses on gasoline, groceries, utilities), budget, investments, etc. Reports on individual correspondents (those to whom you pay and from whom you receive payments from).
Password protection of reports and backups.

For those who are just mastering the science of home economics, help on working with the program will be a useful help. In AceMoney it is in Russian.

AceMoney Lite, unlike the two above-mentioned applications, is updated regularly. In addition, it officially supports Windows 10 and all earlier system releases starting with Windows XP.

- another “lite” version of the commercial product of the same name. The free version retains full functionality until the total monthly income of all its users exceeds 14,000 rubles. After exceeding this modest amount, the program will offer you to buy full version, which costs 250-500 rubles.

Features of Economy Lite:

Supports multiple users and any number of their accounts in different currencies (US dollars, rubles, euros, pounds sterling).
Accounting for income and expenses of debts (loans) both for each user individually and jointly.
Accounting for transfers of funds from account to account (for example, when withdrawing funds from bank card the program will write off the amount from the “card” account and add it to the “cash” account).
Generating reports on income, personal expenses, account balances, debts (how much and to whom you owe, as well as how much and who owes you), loans, income minus expenses. Display reports in graphical and text form.
Printing reports on a printer.
Color highlighting of individual categories of income and expenses for greater clarity.
Reminder about the deadlines for regular payments, for example, loan installments, utilities, etc.
Built-in help in Russian and useful tips on using the program.
Scheduled data backup.
Convenient system for searching and filtering information of interest.
Password protection of access to the program.
Automatic installation of updates that come out almost every month.
Technical support.
Transition from the Economy Lite interface to useful articles on the developer’s website. Articles are devoted to finance, personal growth, making money on investments, work and career (including making money on the Internet on affiliate programs, blogging, YouTube, freelance exchanges, etc.).

Economy Lite is officially supported by everyone Windows versions, starting with XP.

is the only cross-platform application in today’s ranking that, in addition to Windows, can be used on Mac OS X, Linux, iOS and mobile phones on the java platform. To install the distribution, you must have Java SE Runtime Environment 1.5 or later versions on your system.

At first glance, DomEconom may seem complicated (by at least, in comparison with other applications reviewed), but immediately after installation, along with the main window, Russian-language help opens, which contains all necessary information on working with the program. In addition, the registration of a user account and the creation of the first financial notebook (a file where information about income and expense transactions is stored) is accompanied by the Wizard.

DomEconom features:

Supports multiple independent user accounts.
Maintaining general and separate budgets.
Data entry from various devices. When you connect your computer or phone to the Internet, DomEconom data is automatically synchronized, but if you wish, you can work offline.
Support different types accounts (cash, bank, credit, etc.) in almost any currency.
Automatic update of exchange rates.
Planning expenses for different kinds needs.
Drawing up balance sheets and reports for all categories of income/expenses in tabular and graphical format.
Export reports to Excel documents.
Creation of an unlimited number of individual and shared notebooks, protected by passwords.
Automatic backup.
Password protection of user accounts.
A large number of built-in templates for all types of operations, expense items, etc.
Help section in the main window, where tips on actions in the program are displayed (can be disabled if desired).

Currently, the development of DomEconom is suspended, but the official website, from where you can download the application distribution for all supported OS, is still working.

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To protect yourself from big expenses and save up for a small house somewhere on the seashore, you don’t have to deny yourself everything and tightly sew your savings into a mattress. Sometimes it's enough to just use personal assistants, which fit into regular smartphone. website collected 10 applications for saving, counting and increasing your income.

Zen mani

A convenient tool for budget planning with recognition of SMS from all the largest banks in Russia, Ukraine, Belarus and automatic creation operations. You can work on several devices - the data will be automatically synchronized. In addition, the program analyzes costs and makes forecasts. It's quite easy to understand here.

CoinKeeper

Very convenient for quickly recording expenses directly at the checkout. The main screen of the application looks like a large coin holder. Income, wallets and expenses are presented as stacks. To record a waste, just move a coin from one stack to another. In addition, the application analyzes income and expenses for different periods, helps make forecasts and has many other useful functions.

Rubbishmoney

The application has 4 laconic directories: expenses, income, movements and exchange. You can make a shopping list and then audit it: what was bought, what was not, how much was spent. The application allows you to create both short-term and long-term budgets. You can plan to buy, say, a sofa, and the “Drebemoney” will diligently count how much is left to save. The application has a multi-user mode - you can connect all family members to the system and monitor the overall budget.

Spendee

The application has fairly minimalist functionality, so adding a purchase to the database will take no more than a couple of seconds. Those who are strong in spirit can take a look at the expense statistics section. After this, many are guaranteed to begin to refrain from unnecessary little things that they usually grabbed from display cases without thinking.

Toshl is quite similar in functionality to Spendee and, rather, is its eye-pleasing alternative, since you will be keeping track of expenses under the supervision of cute cartoons of Asian origin. The downside: you can’t specify multiple accounts, but you can separate them with tags.

Daily Budget

If you want to start saving money for something more meaningful than lunch, this app will help you take control and calculate your daily expenses. First, you need to enter your monthly income, indicate the amount of standard monthly expenses (for example, utility bills) and indicate the percentage of your total income that you want to put into the piggy bank. After a little thought, the application will give you an amount that you can safely spend during the day.

HomeMoney

A convenient and widely appreciated application for home accounting. Allows you to record expenses, income, transfers from account to account, and evaluate account balances. It is possible to view the entered information in the form of graphs - and it immediately becomes clear where the holes are in the budget.

Many users find it difficult to control their home budget. To ease the situation, it is recommended to use specialized software. Thanks to a specialized program, you can control not only your income, but also your expenses. The functionality of the program allows you to outline the costs even for maintenance vehicle or loan payments.

Most applications are created taking into account the fact that the user is unfamiliar with accounting activities. For effective analysis, the programs are able to build graphs and diagrams. All that remains is to choose the appropriate application.

Review of the best programs

To plan a family budget, you need an appropriate program. Actually in global network you can find a dozen applications that can plan income and expenses. The best programs include:

"Greedy";
Home accounting;
Home Economics;

Each of the above programs for maintaining a family budget differs from each other in functionality. Therefore, before using any program, it is recommended to analyze the functionality and also compare the programs you like.

This multifunctional program for the family budget. The application is able to work with accounts, clients and articles. If desired, the program can be used by individual entrepreneurs. Users who decide to use the application to plan a family budget do not have to worry, since it is not necessary to be an accountant to understand the program.

The main features include:

Possibility of multi-currency organization of financial flows;
Group data processing;
Construction of diagrams showing the dynamics of funds;
Ability to export the report to Excel;
Composite payment support;
Data backup;
Possibility of printing a promissory note;
Update exchange rates via the Internet;
Settings appearance programs.

Unfortunately, at first it will be difficult for the user to understand the program for accounting funds. This is due to the busy and poorly thought out interface. In appearance, the application can be compared to programs written in the 90s. Of course, after careful study, anyone can handle Home Finance, but it takes time.

Family accounting can be accounted for using the AceMoney program. The application has an intuitive clear interface, which means it won’t take much time to learn the functionality. IceMoney allows you to create bank and cash accounts. This way, all income and expenses can be taken into account. In addition, it is possible to transfer money from one account to another.

The only thing that may be difficult is the terminology used in the program. Otherwise, the fund accounting program has no drawbacks.

The main functionality can be identified:

Budget planning using articles;
Ability to manage multiple accounts;
Setting a password for the program;
Backup;
Visualization of expenses using graphs;
Ability to export data.

WITH similar program The family's accounting will always be analyzed. In addition, you can generate a report for any past month.

Program with simple interface no frills. Compared to other programs, there is such a drawback as unlabeled buttons. Sometimes it can be difficult to understand what they are for. In this case, the application can be configured so that when you hover over the button, an inscription appears, but only in the footer of the program.

As for adding income and expenses, everything is clear here. It is possible to categorize amounts. In order to keep track of the family budget more accurately, you need to take advantage of the opportunity to add information to a section such as “Debts”.

Such software has the following functionality:

Accounting for the entire family budget;
Possibility of accounting for a loan from a bank;
Accounting for debtors;
Work with an unlimited number of accounts;
Possibility of gradual debt repayment;
Generating reports in the form of text and diagrams;
Creation backup copy bases;
Setting a password for the program.

It should be noted that “family accounting” can be used free of charge if the total income does not exceed 8,000 rubles.

If you want your family’s accounting to always be in order, it is recommended to pay attention to a program such as “Home Accounting”. The application occupies a leading position among software designed for calculating profits and costs.

Family accounting is divided into the following tabs:

Accounts;
Expenses;
Planning;
Debts;
Income.

Such a division may not be entirely convenient. Competitors display expenses and income in one tab. This way you can understand how effective budget planning will be.

Main functionality:

Creating multiple accounts;
Credit accounting;
Possibility of partial repayment of debts;
Loan repayment reminder;
Budget planner;
Filter for quick search;
Report generation and visualization;
Possibility of database compression;
Automatic update.

The family's accounting will always be calculated; all that remains is to download the program from the official website.

The application is designed for quick budget accounting. The program occupies a leading position in its software niche. The functionality of the program is quite diverse. As for the interface, it is simple, but you will have to tinker with some features. This is due to the fact that not all functionality is available on the control panel. For example, account-to-account transfers are located in the Finance menu, although expenses and income can be found directly in the control panel.

It should be noted that you can only download the demo version for free. This is enough to get acquainted. Perhaps the functions that are available in the free version will be enough for someone. It should be noted that you can edit existing income and expense items.

The main advantages of the program include:

Ability to create an unlimited number of accounts;
Planning your budget;
Availability of a debt module;
Creation of 10 types of reports;
Availability of reference information;
Export data to Excel;
Create a backup copy.

Thanks to in-depth analysis, you can understand what is worth spending on more money, and why is it better to refuse. It is recommended to download the program from the official website.

A multifunctional program that allows you to protect your budget from unnecessary waste. The program is made in Microsoft style Office. All sections are signed and also equipped with icons. To plan an event, you need to use an organizer.

Program functionality:

Financial event planning;
Maintaining records in multiple accounts;
Calculation of profitable deposits taking into account inflation;
Ability to view the latest financial news;
Drawing up reports.

The program fully copes with the task. The only thing worth remembering is that the program is not free, although it can be downloaded without registering on the site.

The program combines ease of use and versatility. Even a novice user can handle the controls. You can customize the categories of expenses and income. Transferring funds between your accounts is not very convenient, but you can get used to it.

Compared to others similar programs, developers devote little time to their product, so updates are released extremely rarely. It is worth noting that the program is paid, but most of the functions are available in the demo version. There is a ban on planning.

The functionality is quite diverse, but we can highlight:

High performance, thanks to which calculations and plotting are carried out in a matter of seconds;
Opportunity Reserve copy DB;
Working with deposits and loans;
Export to any convenient format;
Search by specified criteria.

In general, the program can compete with analogues, and the license is only 250 rubles.

Video review of programs for maintaining a family budget

Maintaining home accounting is a responsible matter. Controlling expenses is always beneficial because we consciously strive to eliminate unnecessary expenses. Your financial stability will depend on the choice of tool for home accounting. If you are not lazy and take money accounting seriously, the results will surprise you - you will spend less.

If you ask people what their monthly expenses are, for example, on food, very few will be able to answer this question. If you have a tool for tracking expenses, you will be able to find “black holes” in your budget into which money is “flowing.” Many families don't realize that by cutting unnecessary expenses, they can save significant money.

In this review, we present the results of testing five programs for home accounting. All these programs run on Windows OS. Each application was installed on a computer and tested according to several parameters. As a result, we were able to determine the best program.

The name of the program	Our grade	Link to loading
	4.9	Download
	4.3	Download
	3.5	Download
	3.2	Download
	3.0	Download

Housekeeper – accounting of personal finances

Poll: Have you done home accounting before?

Home Accounting Program

Immediately after installing the program, the “Home Accounting” setup wizard appears - you are prompted to add users, select base currencies and add accounts.

In the "accounts" section, the user enters all his accounts, for example, bank account, cash, Visa card and so on. You need to fill out this section first, because when adding expenses, the program must deduct funds from an existing account.

Adding expense transactions is simple - under the table, click the “add” button and in the new window indicate: the date of the transaction, the account to write off funds, category and subcategory, as well as the amount of the expense.

In the "expenses" section there are several useful additions– this is an area with parameters for filtering the table, as well as an area with total expenses for the day, week, month and for all time. You can filter the table with expenses by clicking on the column headings. For example, if you click on the “amount” column, the table will be sorted by amount (descending or ascending). With the “income” section, you can perform all the described actions, only the amounts of money will not be debited from accounts, but rather credited.

Now let's look at the most important section of the program - reports. The section has several types of reports: expenses/income, grouping by dates, account balances, planning, currency exchange rate dynamics. After clicking the “build report” button (bottom right), we receive information in tabular form. It is also possible to obtain a report in the form of a diagram. For example, we need a monthly report by expense category. Procedure: diagram – expenses – categories – rubles.

The reports section is not without its shortcomings. For an inexperienced user It will be difficult to understand the construction of reports. Customizing the display of the chart itself is also complex. For example, if you want each expense category to be indicated as a percentage, then you should do the following operation: settings (pie chart) - sectors - sector labels - percentages on the right.

To make it easier to customize the appearance of the diagram, the developer could make the call context menu(by right-clicking on the diagram), indicating everything there possible options display sectors. It is not yet possible to set the category color (in the category settings section). The color can be set directly on the diagram sector, but the next time it is plotted, the color will be replaced by another. It feels like the colors in the diagram were chosen arbitrarily. Visibility suffers from this, because it is convenient for the user when each category has its own color assigned. For example, green is car-related expenses; red – “food”, blue – “entertainment”.

Another important section in the Home Accounting program is the “budget of expenses and income.” This is where future expenses and income are planned. For example, you planned food expenses at 10,000 rubles per month. In the “budget” section you can monitor your food expenses. The program will show you the percentage of budget completion, as well as the difference between planned and current expenses. If you spent 12,000 rubles on groceries (the plan was 10,000 rubles), then the program will record the overspending and show the difference of 2,000 rubles. It is convenient to use the budget planning function when you approximately know the amount of monthly expenses for the selected category. This function will also be convenient for savings - knowing your income and planning your expenses, you can approximately calculate the amount accumulated for the year.

Conclusion. Downloading and installing the program is easy. WITH initial setup(users and accounts) everything is also simple. The program interface cannot be called user-friendly, although the declared functionality works without failures and at normal speed. The reporting system is quite intricate, although it is informative. In our opinion, the program is suitable for advanced users who are not afraid of difficulties and are ready to devote time to studying the program certain time. The cost of the program ranges from 990 to 1490 rubles.

Home Finance (professional edition)

iControlMyMoney (money manager)

My money – AbilityCash

After installation, the AbilityCash program icon did not appear on the desktop - I had to look for it in the Start menu. There is no demo database, the categories of expenses and income are not filled in. There is only one default account, and that one is empty. It is immediately clear that the program developer loves cleanliness in all its manifestations - from the interface to the database.

Let's start adding expense and income categories. Go to the “articles” tab, click right button in the line “all expense items” and select the “add” menu item. In a new window, enter the name of the category, for example, “food”. We fill out income items in the same way.

In the “accounts” section, you can add new accounts, for example, “bank account” and “stash”. To enter the initial account balance, you need to click the right button, select the “change” menu and enter the desired amount.

After setting up accounts and expense items, you can begin adding expense transactions. Open the “transactions” tab, click “add” and fill in the following positions in the new window: transaction type – expense, select the expense account – cash, indicate the expense item and enter the amount.

Based on the entered data, we will create an expense report. On the “reports” tab, indicate the “turnover” report type, set the reporting period, select accounts, in the “account transactions” section, leave a checkmark only for the “expense” item and indicate “all expense items” in the “item” section.

As a result, we get a pie chart and a table with the cost structure. The diagram contains little useful information, but the table shows all expense transactions for the specified period.

This completes the functionality of the AbilityCash program. The application does not know how to work with debts or plan a budget.

Conclusion. Trust your home accounting the program is possible only as a last resort - when there are no other options. The main and only advantage of the program is the fact that it is free. The functionality of AbilityCash is only enough to track income and expenses. The simple interface and meager reporting capabilities do not allow the application to stand on the same line as similar programs for home accounting.