Download Editors' Rating:
Average User Rating:
out of 32 votes

Quick Specs

  • Version:
  • Total Downloads:
  • Date Added:
    February 07, 2011
  • File Size:
  • Downloads Last Week:
  • Operating Systems:
    Windows 2000/XP/2003/Vista/7

Editors' Review


CommonCents from EnDevelopment is a personal financial tool based on the tried-and-true envelope budget system, which traditionally involves putting money for expenses aside in paper envelopes so that you're forced to live on whatever is left over. Such cash-oriented budgets enforce old-school financial discipline, but they have limitations, especially when it comes to record-keeping. CommonCents improves the envelope method with a comprehensive suite of tools for managing everything from cash and credit cards to banking, loans, and mortgages, not to mention complete transaction histories and real-time account and envelope balances.

CommonCents' main interface, My Vault, features a main display divided into four resizable panes. The program's main view and its general approach toward recording and displaying information is an interesting hybrid of spreadsheet and Windows app, with a tree view for navigation plus customizable tables that have the familiar feel and functions of a spreadsheet program, such as Excel. The program is divided into 11 Managers that configure and control not only the Vault but also Account, Envelope, Income, Budget, Backup, Reconciliation, and other features. Clicking each calls up a dialog with checkboxes and other options that simplify setting up your personal information: You just check or uncheck items as needed. There doesn't seem to be anything left out, from Dining to Insurance to Taxes, but you can assign any expense or item you need to. Indeed, we were particularly impressed with the way this program manages to combine the total flexibility of a spreadsheet tool with excellent assistance and ready-made solutions. It had us budgeting in no time flat, and it shows the real appeal of the envelope method.

Nearly everyone can benefit from a good budgeting tool. CommonCents' combination of comprehensive coverage, flexibility, and ease of use with the commonsense envelope method definitely sets it apart from the crowd and earns our recommendation.

Editors' note: This is a review of the full version of CommonCents The trial version is limited to 60 days only.
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Publisher's Description

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User Reviews

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  • 2 stars

    "Visually Nice but Lacking Functionality"

    March 02, 2014   |   By farnkc

    Version: CommonCents


    Very appealing to the eye.
    Clean and well laid out.
    Easy to start fresh and use.


    Won't import QIF files properly.
    Won't allow transfers in paycheck splits.


    I am looking to replace Quicken and attempted to use CommonCents. It is very appealing to the eye and has a clean interface. Envelopes are easy to set up and buttons are all in the right place. But the multiple attempts to import data from Quicken failed. I tried multiple formats. Any progress made was mostly manual. I imported/entered 1.5 months of data but could not get the numbers in all accounts/envelopes to work out. A major show stopped for me was the inability for CommonCents to transfer splits out of my paycheck to multiple savings accounts; CommonCents insisted all items in the split be assigned a category, not a transfer. This isn't real life for me. Sorry to not be able to use this software as it's visual appeal made it pleasant.

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    Full Specifications

    What's new in version
    Version may include unspecified updates, enhancements, or bug fixes.
    Publisher enDevelopment
    Publisher web site
    Release Date February 06, 2011
    Date Added February 07, 2011
    Category Productivity Software
    Subcategory Personal Finance Software
    Operating Systems
    Operating Systems Windows Vista, Windows 2003, Windows, Windows 7, Windows XP, Windows 2000
    Additional Requirements This is a maintenance release that fixes a few minor bugs.
    Download Information
    File Size 12.69MB
    File Name CommonCents_4_0_Setup.exe
    Total Downloads 41,010
    Downloads Last Week 24
    License Model Free to try
    Limitations 60-day trial
    Price $34.95

    Previous Versions:

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