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Gain Control of Finances With These 10 Free Mac Apps


When it comes to managing finances, many of us need all the help we can get. So I’ve scoured the Mac App Store to find the ten best free apps available to help you start getting finance affairs under control.

I’ve focused mainly on apps dealing with personal finance, but have also slipped in one or two apps that I think will help freelancers and small business owners as well. 

For some people, the free version of the apps listed here will be perfectly enough for their purposes. For others, using the free app may be a first step to purchasing a more feature-rich version.

1. Debit & Credit

Good financial management starts by being aware of what you earn versus what you spend, but keeping financial records can be such a hassle. That’s why I’m starting off my list with not one but two apps dedicated to financial management.

The first, Debit & Credit, is a simple, clean Mac app that allows you to record and view all your sources of income and expenses in one place. What’s more, Debit & Credit has its own app for the iPhone and iPad that lets you add transactions on the go, knowing that the data will sync with your Mac app via iCloud.

Debit  Credit
Debit & Credit

Other great features:

  • Import transactions from your financial institutions
  • Budget and schedule transactions
  • Generate reports that show you where and what you spend your money on
  • Shared your accounts with someone else

User FriedZen says:

"I have been using this debit and credit app for macOS and iOS since April 11, 2015 and I haven’t look back."

2. HomeBudget Lite (w/ Sync)

HomeBudget Lite is the second financial management app I’m featuring here, and with good reason. 

Though this Mac app shares several features with the Debit & Credit app, like tracking expenses, income, bills due and account balances, there are a few stand-out features which differentiate it.

The most important is its family sync feature that allows a group of devices within the same household to exchange expense and income information within a single budget.

HomeBudget Lite

Other great features:

  • Browse expense entries by month, category, date, etc.
  • Attach photo images of receipts
  • Support for multiple currencies and automatic exchange rate conversion
  • Classify expenses into fixed, variable and discretionary and compute your disposable income

The greatest drawback with the lite version of the HomeBudget software is that users are limited to 20 expense entries and 10 income entries. This may be a deal breaker for users with more complex finances.

User Alexey says:

“This is one of the best applications for personal finance management. The UI is far from being ‘eye-catchy’, but is very intuitive and makes the app easy to use.”

3. Stock + 

Stock + is a fantastic research tool that allows you to keep an eye on the stock market in general and your stock portfolio specifically. 

Keep up to date on mutual funds, exchange traded fund, commodities and track international stocks from exchanges all around the world.

The app comes with a clear and concise welcome tutorial to familiarise you with its features.

Stock +

Other great features: 

  • Scrolling menubar ticker tape guarantees that you never miss changes
  • Pause the ticker to keep a handful of stocks in sight at all times 
  • Create comparison graphs with ease
  • Mouse over graphs to see historic data for a specific day or time

User thepodfather says:

“I’ve been trying to find a good stock tracker on the app store for years, something I can use at work to keep an eye on my portfolios without being intrusive. This is exactly what I needed. The ticker bar in the menu is great for a glance to see what is going on, and quick click bring up the app with a full, fast detail. The heat map tells me right away if I need to take action or be aware of changes in the market. The best part about this is the number of features you get for free.”

4. Unpaid Bills Lite

Unpaid Bills Lite is a simple app that does one thing well. It helps you avoid paying another bill late.

Enter all your upcoming or recurring bills and the app which sits in your dock will remind you when they are about to come due. 

Unpaid Bills Lite

Once you pay a bill and mark it as paid, it will no longer be displayed in the dock. Easy peasy.

5. MoneyWiz 2 Premium

MoneyWiz 2 Premium makes it easy to get a complete picture of your finances by allowing you to organise all your accounts, budgets and bills in one place for quick overview and easy management. 

MoneyWiz 2 Premium
MoneyWiz 2 Premium

Other great features:

  • Highly customisable
  • Build custom reports based on what you want to know about your money
  • Supports more than 16,000 banks worldwide
  • Sync multiple devices with cloud based SYNCbits 

User BuildoBen says: 

“I sceptically tried the free version, but was delighted when it connected to all my banks and pulled-in transactions. Some needed re-categorising and transfers between accounts don’t get detected quite right but overall I get up-to-date view of my finances on my laptop." 

6. Car Manager 2

Car Manager 2 is a car owner’s dream. This handy app allows you to input and organise all financial as well as non-financial information related to your vehicle. 

The app calculates input to create detailed statistics of your expenses: cost per spending category, cost per kilometre or daily cost. 

Non-financial data, such as the change in mileage and average fuel consumption, can be calculated and displayed in brief or in detail.

Car Manager 2
Car Manager 2

Other great features:

  • Calculates carbon footprint and the mass of carbon dioxide (CO2) vehicle produces
  • All data—costs, fill-ups, vehicle information—can be exported as a CSV file
  • Application automatically adapts to the units of measurement used per country

User Setulp3 says:

“I love this app. Keeping receipts for tax time has been an issue for me and wife over the years. On top of that, not having a clue of how much I was spending on each and all cars, and the services done on each car etc., this has been a blessing. I love the summary and PDF form to print when its tax time.”

7. GetRate

If you travel a lot, do business in other countries or invest overseas, GetRate is your friend.

This currency exchange calculator features exchange rate forecasts and analytics and supports more than 130 currencies using several data sources.

One of the great features of GetRate is its built-in analytics which will help you learn more about currencies and their interplay with each other.


Other great features:

  • Forecast tools to help you estimate future exchange rates
  • Built-in alarm clock to help you keep informed about sharp currency fluctuations
  • Calculator can operate in offline mode 
  • Country and currency matching system 

User sevrandy says:

“You can use it to calculate the exchange rates in a few currencies at once and you have a nice chart in your notification center. It helps me with exchanging currencies at the ideal times.”

8. TimeBalance

TimeBalance is a great app for helping you monitor a bank account at any time. The app creates a lightweight indicator that sits in the Mac's menu bar next to the clock, continuously displaying the account balance and offering a glimpse of your recent transactions with just one click. 

Balance and transaction information is safely transferred via encrypted connections and stored locally on the Mac, giving you a quick overview of your account at the time.


Other great features:

  • Easily connect to multiple accounts 
  • Need to log in just once
  • App updates every 10 minutes, or manually when you click it
  • Translate multiple currencies into Euros, Pound Sterling or US Dollars

User CaractacusRex says:

“Absolute first class, five star idea.”

9. Abacus Accounts Lite

Abacus Accounts Lite will be of great interest to small business owners. This double-entry bookkeeping application allows users to set up a variety of accounts based on your type of business and needs. 

The essential bookkeeping requirements are covered, including VAT and other taxes, tracking of customer and supplier balances, and all the normal end-of-year reports.

Abacus Accounts Lite
Abacus Accounts Lite

Other great features:

  • Track bank accounts, credit cards, income, expense, assets, liabilities, etc.
  • Backup and restore function
  • Ability to delete or edit transactions
  • Recurring (monthly) transactions

User J Powers says:

“My son has a Home Inspection business and the program works very good. But, you could make the program better by being able to print the journal and the ledger accounts. This would help when you are looking for errors.”

10. Coin Tick

If you use Bitcoin to send or receive payments or buy things online, you need to keep track of the fluctuations in value and know how much your currency is worth in real time. 

Coin Tick helps you with that by enabling you to view the prices of your selected crypto-coins directly from the Mac menu bar. 

Data is pulled from, and there are almost 500 different coins supported. 

Coin Tick

Other great features:

  • Fully customisable
  • Supports displaying multiple coins at once in the menu bar
  • Prices can be displayed in different currencies: USD, EUR, GBP, etc.

User Some_air says:

“Does what it is supposed to simply and really well. Would be nice to be able to search for coins vs going through the list.”


I hope you’ve enjoyed reading about the ten best free apps available for Macs that can help you get on top of your finances. 

Of course, there are many others I couldn’t cover in this article, so if you have a favourite that I haven’t mentioned, please do let me know in the comments.

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