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One of the most important things when it comes to personal finance is taking control of your money, instead of allowing it to control you.

You need to track your monthly income and expenses, and give every dollar a name and a job. All income should be assigned to an expense category, or to a saving category. Every penny. If you allow your excess income to remain unassigned, it will disappear, I guarantee it. (I know from personal experience.)

Budgeting Programs To Help Track Your Money

Tracking your family budget is becoming easier all the time as new software options appear on the market every day. Here’s a giant list of some of the best budgeting options available. Some programs are free, some have free trials, and some do cost money. Both Mac and Windows programs are included.

Desktop And Online Money Applications

Excel Budget Templates

iOS & Android Money Apps

So there you go. There is no shortage of options when it comes to personal finance tracking and budget software. There really is no excuse for not doing a budget. So why not get started today?

My Personal Choice For Best Budgeting Software

So there are a ton of options on this page for budgeting software. I have personally tried quite a few of them, and when it comes down to it there are three main ones that I would recommend, and that I use on a regular basis. Those include:

You Need A Budget : This has been my go to budgeting software for going on 5 years now. I use it every day, and my wife and I both prefer it to other software.

: This has been my go to budgeting software for going on 5 years now. I use it every day, and my wife and I both prefer it to other software. Tiller Money : I also have started using Tiller Money as an easy to use automated budgeting spreadsheet to complement YNAB. It automatically pulls my bank transactions and categorizes them for me. I love it – and they have an Excel spreadsheet version as well!

: I also have started using Tiller Money as an easy to use automated budgeting spreadsheet to complement YNAB. It automatically pulls my bank transactions and categorizes them for me. I love it – and they have an Excel spreadsheet version as well! Personal Capital: I use this mainly for tracking my investment accounts. It gives me a good 10,000 foot view of my investing activity, and has some good tracking for general finances as well.

Do you have a favorite personal finance software – either online, desktop or mobile? If you do, let us know about it (and leave a link) in the comments. We’ll add it to the list!