Budgeting is a discipline that’s not often met with excitement. Many assume that budgeting is something reserved for companies or, say, freelance workers. However, personal budget software is just as important as corporate one — it’s a fundamental understanding of where money is coming and going.

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You may consider it to be boring, tiring, time-consuming, or difficult, but managing your finances well can help you achieve goals and stave off the stress of a rainy day. Thankfully, there are tools and apps on Mac which can help you get on top of budgeting, no matter how experienced you are.

Why Should I Use Budget Tracking Software?

If you haven’t done a budget before, you should start now. You never know when you might need a particular sum of money to solve an issue, meet a goal, or take advantage of a sudden opportunity.

Budget programs help you reduce the stress and uncertainty that comes with not knowing where you stand financially. If you don’t have a home budget software, you might be tracking towards a situation where you run out of money, without even knowing it. If you do have a budget, then you’ll have a documented plan of action to improve your situation.

Importantly, you don’t need any qualifications to do a budget, nor do you need to be good with numbers. Take advantage of the best budget software for Mac to help you take control of your finances without the hassle. Budgeting tools come in many shapes and sizes, so selecting the right one for you depends on personal preference and previous experience with managing money.

Handy tips for budgeting tools

If you’re ready to start your budget, it’s best to consider a strategic approach to ensure maximum utility. Too often, budgets sit collecting dust after being created, and sometimes the act of creating a budget could feel like enough to satisfy financial concerns — it’s not. Here are some tips for making the most out of your budget.

First of all, definitely use an app to help you manage a budget. App developers invest a lot of time and money into figuring out how their software can make your life easier and better, so rather than trying to understand all the nuances for yourself, let a dedicated app do it for you. There’s even some free budget software around, so you have very few excuses not to try!

If you run a business (or freelance on a side), a little bit of work each week means end of year taxes are a breeze. It’s not about doing a marathon of work in a few days, but making a habit to consistently do a little bit here and there. Try aiming for 10 minutes every few days. The best tax preparation software will also have reminders and notifications to help you achieve this goal.

It might sound contradictory, but budgeting isn’t always about getting the numbers 100% accurate. When it comes to tax preparation software — sure. But budgeting is mostly about understanding where your money is being spent and then using that information to make more informed decisions going forward. Therefore, make sure you categorize your transactions so that it’s easier to spot those minutiae differences and trends. The best finance apps should do this for you automatically.

In summary, you want to ensure you take advantage of the online budgeting tools available to you, aim to update your records frequently, and focus on categorization over accuracy.

Features of good personal budget software

The best personal budget software for Mac is easier to pin down when you know exactly what you’re looking for. Not all apps are the same — they vary by function and pricing. Generally speaking, there are a few key features you want to see in your budget software for Mac:

• It should be simple and easy to add new records or transactions

• Importing bank and credit card statements should be possible

• Automatically synchronizing statements will take the edge off your manual inputting

• Useful dashboards or visuals will help you understand your situation at a glance

• You should be able to categorize your transactions into groups

Out of those five key points, the ability to import is often the most essential. Importing saves you the hassle of adding each transaction into the money management software line-by-line, which adds up to a lot of time. It’s hard enough already to schedule frequent updates to your budget, so if you can remove the largest friction point of manual entry, then you’re in a good place.

The best budget software for Mac comparison

When it comes to programs to help budget money, there are countless options. It’s easy to get lost diving deep into each budget software review, but here are some of the best available, ranging from beautifully basic to powerfully advanced.

You’ve probably heard of Quicken, given that the name has been around since the early 80s. Even then, it was known as one of the best tax software companies around. That says something about the strong product, which carries all of the basic functions you’ll need to manage your budget well.

Right away though, you might notice that the interface has become somewhat dated in comparison to the newer contenders out there. But one of Quicken’s praised features is the ability to download bank statements and have the records automatically categorized, which can drastically reduce the time it takes to input your information, so you can spend more time making sense of it. Sadly, the Mac version is somewhat limited when it comes to advanced features, unless you splash out for the Home and Business edition.

MoneyDance is very similar to Quicken in terms of its basic features, including the ability to create a budget with notifications for bills and invoices. It also allows you to make your own charts and graphs to monitor spending habits over time, which can be seen on the homepage for a quick glance of your activity. Out-of-the-box integrations with online banking services also make it easy to send payments.

Unlike Quicken, Moneydance has some more advanced features including an investment monitor, which tracks your investments and their fluctuations — a useful addition, although best for the intermediate to advanced user. The app also has a developer API system in place to allow extended functions, mostly good for power users. Importantly, security is not an issue, as Moneydance utilizes end-to-end encryption for your data to give you that extra peace of mind.

You Need A Budget, also known as YNAB, is budget tracking software that runs on both Windows and Mac via web — saving automatically to the cloud, which is a bonus for multi-platform users. It also features native apps for iOS and Android, so you can literally tackle your budget from anywhere.

The app itself follows a simple design language, which is perfect for beginners, but if you find yourself needing help you can sign up for a personal instructor. YNAB doesn’t let you slack at all, and if you start to stray from your budget, the app will raise a red flag through it’s built-in Accountability Partner.

Although YNAB doesn’t support the ability to download and automatically categorize records from bank statements, it could be argued that entering them manually helps the user pay more attention to where their spending is going. Still, it’s a more time-consuming process that might be problematic for users processing hundreds or more records each month.

MoneyWiz stays true to its name — a comprehensive budget software and investment tracker that’s packed full with over 400 useful features. View your financial situation quickly by browsing accounts, groups, or searching for individual records. Speaking of records, you can enter them manually or have them automatically sync with leading banks, cryptocurrency exchanges, and financial services for an accurate real-time understanding of your accounts.

With all of this data in hand, MoneyWiz can prepare and export over 50 reports to help you gain deeper insights into your finances. Your data could be accessed from its cloud-based app or straight from the native software for Mac. All in all, MoneyWiz is extremely powerful: accessible for beginners and interesting for the most advanced users.

Receipts is yet another money management software for Mac, and is specifically well-known for its clever handling of invoicing. Using Optical Character Recognition (OCR) technology, Receipts automatically reads and translates important information about your bills, such as amount, date, currency, and more (even if the text is in another language).

Besides, Receipts can issue payments for invoices directly using third-party providers, such as iFinance and BankX. The OCR technology alone makes it a strong contender against other more simple online budgeting tools. Not least, Mac users will be glad to see how this application was designed to look and feel like a macOS product. Using a familiar user interface could make life a little easier after all.

Between the five options above, you have a strong starting point for your budgeting tools depending on your experience. Remember that importing is one of the key features to look for in budget programs. Still, in order to find the best fit you might need to try a couple of different options.

Thankfully, both MoneyWiz and Receipts have a free 7-day trial that you can take advantage of by heading over to Setapp, an app subscription service for Mac that gives you access to over 150 macOS apps, including all the necessary budget tools. Getting MoneyWiz and Receipts at once? You won’t be disappointed.

Meantime, prepare for all the awesome things you can do with Setapp.

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While Apple Notes checks off most of the boxes, it may not fit into everyone’s needs. This is where the best Notes app alternatives for Mac come into the play.

Aside from making the task of note-taking pretty straightforward, these third-party apps also double up as a super handy annotation and writing tool. Besides, they allow creating projects in many formats like text, audio, video, and whatnot.

Though the App Store has several fine options, only a few have walked into our list of the top note-taking apps for Mac. We’ve chosen them based on their effectiveness and how well they work. Dive right in along with me to take a close look at ’em!

#1. Evernote

Despite the cut-throat competition, “Evernote” remains one of the most appreciable note-taking apps both for macOS and iOS. The highlight of this app is the wide range of tools that provide more flexibility.

The option to make notes in several formats like video, audio, web clippings, sketch ensure you are able to give your thoughts the right shape. With easy-to-format word processor at your disposal, you can write your thoughts elegantly.

You can create an agenda to be discussed in a meeting, write a quick memo and transfer your Evernote notes to Apple notes.

Often forget to do some important tasks? Make a checklist of all the things you have to do. Besides, you will also create presentations to express your thoughts with the desired impact.

Price: Free
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#2. Microsoft OneNote

“OneNote” is a complete package. The app lets you capture your ideas in a variety of formats and offer you the needed freedom to keep everything in the perfect sync.

You can tag your notes to find them quickly. Make a list of to-dos and keep track of them so that you are able to do your tasks in time.

The collaboration features works immaculately, allowing you to work with your colleagues. For more security, you will also add an extra shield to your projects to keep them private.

Better still, OneNote for Mac is compatible with a ton of international languages including French, German, Greek, Simplified Chinese, Slovak, Spanish and more. So, a language should never become a roadblock to your note-taking.

Price: Free
Download

#3. Notebook

Zoho Corporation is well-known for producing powerful apps. And Notebook does have all the qualities to be highly efficient.

While there is a lot to like in this app, I find “Smart Cards” very adorable. What it basically does is automatically format the contents into specific cards like the recipe, video, and link.

The app provides several predefined note covers to let you design your stories elegantly. If you don’t like the readymade options, you can create a custom cover. Moreover, there is also an option to make public notes using shareable links so that anyone can view them.

With the dark-themed night mode, you will enjoy working till late at night. Plus, the reminders won’t let any of your tasks go out of your notice.

Price: Free
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#4. Bear

Should you want to have a top-notch writing-cum note-taking app for your Mac, give a close look to Bear. I’ve used this app for long and always found pretty neat.

The best thing about it is the simple interface coupled with the easy-to-use tools. Therefore, you can write amazing stories and give your wildest thoughts the ideal shape.

Bear has a good library of more than a dozen themes that make it a lot easier to design stories. Features like tagging, archiving and adding tasks to notes enable to take control of your stuff. Furthermore, you can export your projects in multiple formats such as HTML, PDF, DOCX, MD, JPG, and EPUB.

Lastly, after a free trial of one week, you will have to upgrade to Bear premium’s $1.49 monthly or $14.99 annually plan.

Price: Free
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#5. Agenda

If you want to streamline all of your projects and get them ready before the deadline, pick out “Agenda.” One of the notable features of this app is the advanced text editor.

Depending on the specific theme, you can give a befitting look to your notes. It allows you to convert your text into multiple formats like Markdown and HTML. Segregate your files into different categories so that will access them instantly.

The app lets you connect your sticky notes to the events in your personal calendar. As a result, you can plan your meeting perfectly.

Better still, you don’t have to pay any bucks to use all the features of Agenda.

Price: Free
Download

#6. Notability

For annotation and crafting rich notes, “Notability” is one of the better options. With a wide range of fonts, sizes, custom colors at your disposal, you can design your stories with complete peace of mind.

You will be able to import PDFs, DOCs, PPTs, images, GIFs to your projects and fine-tune them with more flexibility. Easily convert your stories into PDF to share them with your friends and colleagues.

Make the most of the super handy tools to annotate photos elegantly. Thanks to the automatic iCloud syncing, your tasks automatically sync across your devices.

Additionally, Notability works with multiple cloud services like Dropbox, Google Drive, Box, and OneDrive.

Price: $9.99
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#7. Simplenote

There are very few note apps for Mac that look as familiar as Simplenote. Its user interface is pretty clean, and you hardly have to spend any time to master the tools.

One of my favorite feature of this app is focus mode. Times when you want to write with maximum concentration, this feature comes into play really well.

You can use pins and tags to organize your notes. And with Markdown, you will ideally format your projects. To ensure your eyes don’t burn while working in the night, the app comes with the dark mode.

Price: Free
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#8. GoodNotes

I have picked out GoodNotes for a couple of main reasons. First, it makes annotating docs really fun. And if you are fond of giving your docs a creative look, this one can be your thing.

You can highlight or strikeout the text in your PDF documents. Easily move, scale and ideally customize the object color. There is also an option to add the bookmarks to your docs.

Courtesy the fast iCloud sync, you will find your notes on all of your devices. You can share your notes with others and also print them. The compatibility with a number of languages like English, Dutch, French, German, Italian, Japanese and more make it an evergreen tool.

Price: $7.99
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#9. Quip

“Quip” is a lot more than just a simple note app for macOS. To be more precise, this is what you should use to collaborate with your teammates. Thanks to the chat and messaging integration, it helps you work with your colleagues in a fun way.

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You can use the app to note down your thoughts faster, create to-do lists, and edit your docs. It also lets you make comprehensive spreadsheets.

Another notable feature of this app is that it allows you to import your address book from several services like Gmail, Yahoo, Hotmail, Microsoft Outlook, Google, and iCloud.

You will create insightful charts by using the data from spreadsheets and Salesforce records. The smart slides would not just make your presentation more impressive but also save your time.

Price: Free
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#10. BoostNote

If you are a developer, “BoostNote” should be your preferred option. The reason why I say it because the app has the support for code syntax highlighting in over a hundred languages such as Javascript, Python, HTML, CSS and more.

This open source markdown editor offers several tools that allow devs to take notes faster. The formatting features have semi-live previews so that you can quickly check your writing.

Besides, the text is automatically formatted as you type, which speeds up your task and also saves plenty of time. That’s not all, BoostNote works offline as well so that you can work anytime and anywhere.

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Price: Free
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Bonus

Unclutter

“Unclutter” is really smart! It’s designed to be a multitasker and lets you organize your clipboard data, files, and notes. If you aren’t able to take control of them, give it a chance to sort out the mess.

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You can keep an eye on your clipboard history and manage it with ease. Store all of your files at once place and access them quickly. And yes, make sticky notes to never forget to do essential things.

The easy editing tools allow you to make changes conveniently. Due mainly to the quick search feature, you will instantly find a list. Besides, the app can be set up with Dropbox to sync data across the devices.

Price: $13.99
Download

That’s pretty much it! So, this sums up our roundup of the top note apps for Mac.

What’s your favorite?

Now that you have known our favorite note apps, tell us about the ones that can walk into your personal roundup. We’d really appreciate your collection and the valuable feedback.

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The founder of iGeeksBlog, Dhvanesh, is an Apple aficionado, who cannot stand even a slight innuendo about Apple products. He dons the cap of editor-in-chief to make sure that articles match the quality standard before they are published.

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