Personal Finances Pro

The program enables anyone to manage personal income and expenses with ease. Personal Finances will help you control your finances – understand where your money is going, pinpoint the areas of excessive expenditure and cut down unnecessary expenses. It is easy for beginners to get started with, requires no efforts to track finances and offers a wide range of functionality and settings for professional users.


With a glance at its summary view, reports and graphs, the user will gain deep insight into the financial health of the family budget, pinpoint areas of excessive expenditure and trim the budget. Featuring the scheduler, the program also enables you to track expected income, spending and see how much money you’ll have at a future date.

Personal Finances is portable and can be installed and run from the USB flash drive (PAF and U3 Smart drive editions are 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.

Key Features
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, payee and assigned special tags. This allows the user to see the flow of money in general and then drill down into details.

Currencies
The program supports an unlimited number of currencies. Initially, the list already contains almost all currencies of the world, plus precious metals. Also you can add your own currencies, including "virtual" ones, i.e. you can keep track of money and other things (metals, petrol, units of measurement). Exchange rates can be downloaded from Yahoo and Google servers.

Accounts
This is the main way of separating transactions in the program. You can create any number of accounts, such as credit cards, bank accounts, cash, electronic money, etc. Accounts may be grouped.

Categories, family members, payee, projects and tags
The program offers many features for organizing transactions – division by categories, family members, payee and projects. Each transaction can be defined with many tags.

Scheduler
The scheduler lets you create recurring transactions automatically. These transactions will be created automatically, without any user intervention, or with his confirmation, if needed.

Calendar
The calendar is a very convenient tool for viewing transactions grouped by days and account balances for any past and future day, including scheduled transactions.

Budget
The program makes it easy to monitor progress in achieving your financial goals and control expenses. All you need is to spend less money than you earn. The Budget section will help you in it.

Loans
Tracking debts and credits. You can borrow and lend money, and it will be displayed in the program. To repay debts, you can use any account and any currency.

Reports
Reports help you to analyze your financial situation. Pie and bar charts and line graphs with totals will show you income and expenses by all categories, payee, projects and expenses of each member of the family over a selected period of time. It will help you to understand where your money is going and manage your income in the most efficient way.

Import, export and synchronization
Import of data from QIF, OFX, CSV and TXT file. Export to QIF, CSV and TXT. Synchronization allows you to merge changes made to two (or more) copies of one database. For example, when several people use one database or one user manages the database on multiple computers. Each computer has its own copy of the database that changes are made to, and then all files are synchronized.

Password protection and user accounts
You can protect the database with a password. No one can see the details of your financial life. Several people can work with the database. It allows you to track users who create transactions, protect transactions from changes with a password and hide them from other users.

Entering recurring data with a single click
You can enter recurring transactions very quickly, using the History button. Simply select a transaction from the list of frequently used transactions, such as petrol, food, telephone, internet, and then the program fills data to all fields of the form, such as account, amount and categories. Click OK for confirmation and that’s all! No need to enter the same data over and over again.

Installing the Program onto a USB Drive
You can install the program on any external drive or a USB drive and always have it at hand. You can use the program on any computer, anywhere – at home, in the office and on the move. All data is stored on a USB drive and no traces are left on the computer. Your data and settings will not be affected in case of hardware crashes and system failures. There is no need to install the program on the computer; it works even if software installation is forbidden by the system administrator.