Ledger Live (Free personal use) Ledger Live is the official software that comes with Ledger hardware wallets, but it can also work on its own as a personal finance and portfolio tracker. The free personal-use edition is enough for everyday needs: it helps monitor accounts, track balances, and keep an eye on transactions, whether they’re in regular currency or digital assets. Everyday use

SilverFinancials Lite SilverFinancials Lite is the free edition of the SilverFinancials program. It doesn’t try to be everything at once. Instead, it gives just the essentials — a way to record income, write down expenses, and keep an eye on where the balance stands. How it feels in use

iCash Free iCash Free is a personal finance program built to simplify household budgeting. It offers an easy way to record income, track expenses, and plan savings, without requiring professional accounting knowledge. The free edition provides the essential functions for everyday money management, while leaving out the more advanced features of the paid version. How it works in practice

JCashBook JCashBook is a free Windows program made for people who just want to keep track of money coming in and going out without learning a full accounting system. At its core, it works like a digital version of a paper cashbook — straightforward, familiar, and quick to use. What it’s like in use

Buddi Buddi is a free budgeting app that has been around for years and still holds value because of its simplicity. It runs on Windows, Linux, and macOS, and it was made with one clear idea: money management shouldn’t require professional accounting skills. For many, it feels more like a digital notebook than a finance suite. Everyday use

Geltbox Money (Free edition) Geltbox Money (Free edition) is a desktop budgeting tool that brings together personal finance tracking in a way that feels practical and direct. Unlike many free programs that rely only on manual entry, Geltbox supports both local data storage and importing financial information, which helps reduce the routine work of typing in every transaction. How it works in practice