Easy Cash Flow Management

It's easy to say you're going to stick to a budget—the hard part is doing it. Part of the problem is knowing exactly how much you have been spending and the other part is knowing what you have left to spend right now. Most personal finance software forces you to print reports and click down through layers of pie charts just to find out if you are on budget. MoneyWell is different. It makes it easy to track what you spend so you know your spending patterns and it tells you at a glance what you have available to spend today.

See What's Left to Spend

MoneyWell uses "buckets" to organize your transactions and show what you have left to spend. There are income buckets to track incoming money, expense buckets to hold outgoing transactions, and smart buckets for mixed views.

This is a variation of the tried and true envelope budgeting system, where you decide how much you're going to spend in each category, label envelopes with category names and amounts, divide your cash into each envelope, and then spend only as much money as you have in each envelope. With MoneyWell, the tedious process of managing paper envelopes is taken care of for you.

MoneyWell's buckets are very visual. When a bucket is empty, it tips over. If you overspend, the tipped over bucket also dims to show you it's unavailable. This means that at a glance, you'll know exactly where you have money left to spend. It's all right there on the main window. No need to run a report or decipher complex charts. Even your daily account balance is just a glance away at the bottom of the MoneyWell window.

Hole in Your Pocket?

One of the biggest leaks in any spending plan is cash in your pocket. ATM withdrawals and cash back from purchases tends to get lost in the shuffle and you forget to track it. If you don't track everything you spend, you can't control your spending.

In MoneyWell, a single mouse click transfers that money to a special Cash Account where you can track all your cash transactions. This gives you the ability to assign buckets to every penny of pocket cash spent without affecting the reconcile process of your checking account.

Transfers to Any Account

MoneyWell lets you have as many accounts as you'd like in a single document and you can quickly transfer money between those accounts. Want to transfer some cash to savings? Drag your checking account to your savings account and enter an amount: Two linked transactions are automatically created with descriptive payee names. Try to do that with paper envelopes!

Quick Fix Reconcile

Have you ever wished for an easier way to reconcile your bank statements? Your wish has just been granted! Click Reconcile and watch the Cash Flow transform into specialized view to help with your reconcile process.

MoneyWell knows many of the most common mistakes that occur during a reconcile and can correct them with a single click of the Fix button. Simple, clean, and obvious.

And you never have to leave the reconcile view or switch windows to add, change, or delete transactions. The Transaction Detail never leaves your side.