Moneydance Review

Wednesday, June 18th

2025 Personal Finance Software Reviews

Moneydance

• Costs $64 one time, $9 per month, or $90 for a year
• Includes investments, cash tracking, and budgeting
• Mobile app and desktop option
• Designed for multiple operating systems
• Money back within 90 days
• Highly rated by Apple users

Moneydance offers flexible personal finance software that is compatible with Windows, Mac, Linux, iPhone, iPad, and Android. Emerging not long after Quicken's introduction in 1991, Moneydance initially took shape as a free, open-source desktop application. However, as time progressed, Moneydance underwent a transformation, evolving from its open-source origins to a platform providing users with a wide range of financial management features accessible across different operating systems. However if you're looking for a sleek modern interface, you may not find it here as Moneydance's design is reminiscent of much older computer software.

Looks old-fashioned, but has tons of modern connectivity

Based on first impressions, you may feel like Moneydance is more like a digital equivalent of your traditional checkbook. However, this personal finance software helps you with tracking your spending patterns, managing income, and overseeing investment portfolios. Plus, Moneydance distinguishes itself by accommodating various foreign currencies and even cryptocurrencies, making it ideal if you have international investment interests. Its mobile accessibility offers access to all modern users, so your banking data remains at your fingertips, whether you're managing budgets or making online bill payments.

Comprehensive features for tracking

Moneydance offers a wide array of valuable features, making your financial management a breeze. Here are some of the top features you can expect from this platform:

• Summary Dashboard: This dash displays balances across various accounts, from checking to stocks, and even provides bill reminders. Customization is key, with multiple themes and color adjustments available. You can fine-tune settings, including printing and backups.
• Graphing Tool: For visual learners, Moneydance simplifies graph creation, allowing you to generate both preset and customized graphs with ease.
• Bill Pay: Track bills directly from Moneydance.
• Payment Reminders: Get timely reminders for upcoming bills, so your finances stay on track.
• Budget Reports: Generate insightful budget reports and investment reports, effortlessly tracking your account balances, cash flow, and more.
• Investment Tracking: Moneydance streamlines investment tracking, displaying your total portfolio value and individual investment performance. This includes various investments like CDs, mutual funds, and stock splits.

Pay one time or subscribe

In today's world, numerous software applications lean towards subscription-based models. However, Moneydance distinguishes itself with a more straightforward approach. Instead of recurring subscription costs, Moneydance offers a single, flat fee of $65, saving you from the hassle of managing yearly payments and steering clear of intricate subscription options. On top of that, Moneydance goes the extra mile by providing a risk-free trial, allowing prospective users to explore its features with up to 100 transactions before making a purchase commitment. Now, if you prefer a subscription plan you can subscribe instead. This would cost either $9 per month or $90 per year.

90-day money-back guarantee

One of the benefits of choosing Moneydance is that they offer a money-back guarantee. You can try the app and see if it meets your needs. If not, you have 90 days to decide if you want to request your money back. This is one of the longer refund periods in our review, which shows Moneydance's commitment to your satisfaction.

Smaller user base

During our research, we struggled to find Moneydance on the Better Business Bureau. There are a decent number of reviews for Moneydance on app stores, though it's clear that Moneydance has a significantly smaller user base compared to competitors. At the Apple store, Moneydance has a 4.6-star rating out of 5 with around 400 different reviews to back up that score. However, from the Google Play store, Moneydance isn't nearly as popular. The app has only received a 2.7-star rating out of 5 with also around 400 reviews to back up that score.

Reviews show some problems with the program

So, the reviews come across as fairly mixed. Happy customers loved the one-time payment and the user-friendliness. Unhappy customers complained about the app crashing regularly or getting stuck on particular pages with no way to navigate. With these bugs popping up across the reviews, it might be safer to pick a more reliable program for your financial management.

Not worth the hassle of a crashing app

For individuals seeking a robust personal finance solution, Moneydance presents an appealing choice since you can access all of its features with a one-time payment. However, with concerns about the app's functionality on both Apple and Android platforms, particularly with respect to service crashes, it might be safer to find a more reliable app.