Personal Finance

Budget is a unique personal finance manager that uses an envelope system to help you manage your income and expenses. Unlike traditional finance managers that usually use a statement-style display, Budget uses virtual envelopes that allow you to allocate money to specific expenses (mortgage, car payment, utilities etc.), and shows you how much money is left over after those expenses. Instead of showing you how much money you have in your account, it lets you visualize how much money you have left to spend. Despite the simple concept, the program includes a variety of advanced features that let you balance your checkbook, record payments by check, debit or credit card and more. It can handle multiple bank accounts and income sources, and import account data from QIF files. If you are looking for an easy way to visually manage your finances without having to deal with complicated account management products, you should definitely give Budget a try.

Byteko FineAnces is a simple personal finance manager that is designed for basic management of your home budget. It supports multiple accounts (cash, credit cards etc.) as well as debts and loans. You can categorize your income and expenses and review a summary for the month or year. Other features include optional password protection and quick access from the tray icon.

Personal Stock Monitor Gold is designed for individual investors and anyone interested in the stock market. It delivers investment information directly to your desktop and tracks the value of stocks, mutual funds, indexes and options by pulling up-to-the-minute prices from the Internet, so you always have the latest market data. The interface provides convenient access to graphs, news, historical data, and SEC filings and a scrolling ticker bar lets you watch your stocks while other applications are running. Support for foreign markets and currency conversion is included so you can track investments worldwide. For those times when you`re away from your computer, pager and email alerts let you know how your investments are doing. Other features include integrated trading (with supported services), import/export, pie charts, gain and loss tracking, currency conversion, and more.

KidsSave is a virtual savings program designed for kids. It enables them to learn financial responsibilities by making deposits and withdrawals, set and track goals, keep track of their spending history and more. The program includes the option to award the child by matching every saved dollar with an amount defined by the parent, providing the child with an additional incentive to save money instead of spending it right away. Other features include support for allowance payouts, multiple accounts, what-if scenarios, balance graphs, printable statements and more.

AlertTAPE is a desktop stock ticker that provides (delayed) quotes from Yahoo for all your favorite stocks. It runs along the top of your screen and clicking on a symbol will launch the associated page on the Yahoo Finance site. The program includes an option to set high or low price alerts for selected symbols, as well as support for email notification. Other features include a selection of ticker skins, news integration and price history.

iCash enables you to manage your basic finances, including bank accounts, expenses, incomes etc. from a simple interface. You can setup your monthly incomes and expenses, and insert transaction to keep track of your financial activities. The program allows you to view all your finances at a glance, and can also create reports, profit and loss statements, account statements and more.

Stock Sector Monitor allows you monitor over 200 stock industry sector groups and over 7000 public companies online. With Stock Sector Monitor you easily can find daily top gaining and loosing stocks in each stock sector, see quotes, percentage change, volume and other quotes information, print reports, access online news, charts, company financial data on the web.

XLQ delivers live and historic worldwide stock market data for use in Microsoft Excel via formulas, or also standalone directly in the XLQ interface. The data is automatically updated as the market changes, allowing you to track the market, maintain a portfolio or perform personalized in-depth stock analysis directly from the familiar Excel interface. Features include more than 150 Excel formulas for the latest trade data including last price company name, exchange name, bid, ask, size, open etc. as well as daily, weekly and monthly historical stock data. Data can also be retrieved for any date in the past. XLQ can retrieve data from multiple sources (currently Yahoo, MSN and Intraday). The program runs in the system tray from where it indicates the current status and allows you to add/delete new stock symbols. XLQ can be used without Excel, but depends on it for full functionality.

CoolTick is a small desktop stock ticker that allows you to keep track of your favorite stock symbols. You can customize the appearance and add as many stock symbols as you want. The display options include price, open, close, high, low, volume, time, and change. In addition, the program includes an online portfolio display that allows you to manage your number of shares purchased, purchase price and overall gain or loss.

Historical Quotes Downloader is a software which allows you instantly download Intraday and daily historical quotes of stocks, mutual funds, options, indices and commodity futures traded in US or Canada. It produces data output in a customizable ASCII format which makes it compatible with most spreadsheet and charting or technical analysis software packages like MetaStock, Omega TradeStation, Microsoft Excel and others. The program supports multiple stock quotes servers and can download data for up to 1000 symbols at once. The data time order of the quotes can be customized and you can maintain a list of symbols in portfolio files. Historical Quotes Downloader itself does not provide any stock insight, but is only intended to download the raw data to be used with a third party product of your choice.

TradeTrakker is an easy-to-use, yet powerful financial portfolio management application to monitor and analyze the performance of your stock and mutual fund positions. Monitor key market indices, multiple portfolios and watch lists with up to 40 different parameters, including buy/sell, gain/loss, and total portfolio value. Stocks can be arranged into specific groups within a portfolio and can be automatically updated as often as once per minute. TradeTrakker includes a wizard option to simplify data input. Set alerts based on stock price, look up stock symbols and retrieve quotes for your favorite stocks in real time. It includes web links to stock related news, charts and your personal online trading account.

Budget Workbook provides a simple means of tracking expenses. A simple interface allows you to enter your expense transactions, categorize them and view reports that display your spending pattern by time period and category. Other features include customizable categories and report printing.

Microsoft Money 2004 a very complex, yet easy-to-use software that simplifies personal finance management, allowing you to quickly organize your finances. You can balance your checkbook, create a budget, reduce debt, plan for the future, and manage investments and taxes - all in one place! You can use the standard reports, or create your own to get a visual picture of your income and expenses, cash flow, category spending, budget, and more. All your accoutn transactions can be easily entered, using a checkbook-like register that also allows you to categorize your spending, reconcile your account and download online statements from your bank (if your bank offers this service). It also includes investment tracking, stock alerts,cash flow forecast, what-if scenarios and a lot more. Supports easy switching and import for Quicken users,

CommonCents is a budgeting and personal finance software that uses the time proven `envelope method` for budgeting of your personal finances. It can automatically assign portions of your income to designated budget envelopes, allowing you to quickly see how much of your income is left for spending on other things. When you add a withdrawal, the money will be automatically deducted from the associated envelope (if any). The program can handle multiple financial accounts, including checking, savings, cash, and credit card accounts, as well as other asset or liability accounts. Other features include automated transactions, password protection, financial reports, import from OFX files, account reconciliation and more.

Stock Ticker Application Bar is a small tool for continuous retrieval of stock quotes through the Internet. It is an application bar that resides at the top or the bottom of your screen and displays 20 minutes delayed quotes of predefined list of stock and indices symbols in a form of a scrolling message. The program is easy to use, nice looking and can be customized in several ways.

myStockWatcher enables you to keep track of your stock portfolio by providing the tools to add purchases, view overall gains and losses and view performance charts for selected stock or your entire portfolio. The program is designed for novice users and attempts to make portfolio management simple by providing simple input forms and a plain interface, divided into four sections. Other features include email alerts, stock related news headlines, export to Excel, personal profit/loss goals, automatic stock quote updates and more.

Credit Card Manager In A Box will help you get a grip on your credit card debt and create a custom payment schedule that will eliminate your credit card debt. Simply add your credit cards, enter your balances along with the percentage rates and minimum payments, and the program will do the rest. It will consolidate the monthly minimums payments with an option to add an additional amount to be distributed between all your cards. The printable report will show you a detailed scenario and payment plan that will ultimately pay-off all your credit cards. The additional summary report also provides you with an overview of the combined principal and interest to be paid for each card.

Stock NeuroMaster is an investing and trading software for US stock market. It uses a stock forecasting module based on technical analysis and neural network modeling, that is designed to give you stock predictions and recommendations of for the best buy/sell moments, as well as detailed trading statistics. You can create multiple models and generate forecasting with just a few clicks. The program retrieves online quotes via the Internet. A friendly wizard will walk you through the steps of creating your stock models.

NewsAloud is a personal news agent that finds the stories you want and then reads them aloud using an artificial voice. The program offers various categories of (Yahoo) news to choose from and you can select the ones that interest you. Once the news stories are retrieved you can select to listen to selected items, export them to WAV or MP3 format or mark them for later. NewsAloud also allows you to simply launch the associated news web site or view the article in plain text format. NewsAloud supports ATT&T Natural Voices, which sound much better than the (included) Microsoft voices, however they must be purchase separately.