Personal Finances Pro 3.5

Personal Finances Pro 3.5 is an advanced edition including all features of Home edition plus advanced budget feature and account reconciliation. It is a great finance application for home users to know about the financial situation of the family budget, pinpoint areas of excessive expenditure and trim the budget. As a scheduler, the program also enables you to track expected income, spending and see how much money you’ll have at a future date.

The program is portable and can be installed and run from the USB flash drive (U3 Smart drive* edition is also available). Personal Finances meets all of your needs, whether you need to make a more realistic budget, want to get out of debt, or teach your children the basics of budgeting. The features which make Personal Finances unique in its category are total simplicity and clearness. You can see at once from the summary view the way your money was spent, total sum and percentage structure for categories, balance on accounts, as well as overall balance.

The concept behind the program lies in grouping expenses and income into categories. This is useful because one can see where money is going and how much is spent at a single glance, without the need to examine the reports. The system of categories is designed as a tree that may have the unlimited number of sub categories. Each category may fall into sub categories, each of which may further fall into more sub categories. Additionally, expenses and income can be grouped by family members and assigned special tags. This allows the user to see the flow of money in general and then drill down into details. 

Major Features:

1. Set up unlimited number of accounts
   • You can set up unlimited number of different accounts, including credit card, debit card, checking account, savings account and cash. For each account, you specify its name, currency, initial balance, and personalize the account with a nice-looking icon. What’s more, you can set a spending limit for each expense account by allocating the maximum amount of money you can afford to spend over a particular period of time.
2. Enter current or scheduled transactions
   • You can enter current purchases and earnings, as well as scheduled transactions for recurring expense and income. Simply enter the name, total amount, spending category and assign the date. This date appears on the personal finance calendar and in the list of transactions that are due.
   • The scheduler allows the user to create recurring transactions automatically. Such transactions will be entered by the program automatically at a preset time, without any user interference.
3. Enter frequent transaction with a click
   • You can enter frequent transaction very quickly using the QExpense option. Just select from the list of frequent transactions, such as car, cat food, cell phone, internet and Personal Finances will open the wizard where all fields will be filled out with data, such as account, amount, and category. You simply click OK to enter this transaction into the account and that’s it! No need to type the same information by hand over and over again.
4. Define transactions with categories and tags
   • You can define transactions with categories, sub-categories, family members and tags. This will help you to see in great details where your money goes when you generate budget reports. By adding tags to transactions, you can differentiate between similar transactions that fall into the same category. Organizing transactions by family members will help you track the budget by person, see who overspends and adjust the budget.
5. Review financial situation with reports
   • Pie and bar chart reports with percentages and totals will show income and spending across all budget categories, spending by family members and tags over a selected period. It will help you understand where your money goes for any period of time and see whether you live within the money you make. With a click on any item in the report, you can drill down deeper to associated transactions. Reports can be printed, or exported to HTML, CHM, and TXT.
6. Calendar. Calendar is very useful tool to view transactions grouped by days and accounts totals on each day in past and future including scheduled transactions.
   • Any time range: week, two weeks, month, two months and so on.
   • Account state, balance, transactions and scheduler on any date in past and future.
   • Printing.
7. Install the app onto the USB flash drive
   • You can install Personal Finances on the USB flash drive, which is convenient for users on the go. Once installed on the USB drive, the program lets you keep track of the purchases and earnings at all times and across different computers. For example, you can take the program with you on a trip or a long journey.
8. Protect financial data with a password
   • Personal Finances lets you protect your financial information by setting a password on the database. Once the database is password-protected, no one can view the details of your financial life. 

Enhancements:

• Advanced budget (accounts, categories, family members and tags).
• Small icons for accounts