CommonCents

CommonCents

Editors' Rating:
5
Spectacular
Average User Rating:
3.7
out of 32 votes
See all user reviews

Quick Specs

Version:
3.8.88.604
File Size:
12.68MB
Date Added:
February 07, 2011
Price:
Free to try (60-day trial); $34.95 to buy (Buy it now)
Operating Systems:
Windows 2000/XP/2003/Vista/7
Total Downloads:
40,455
Downloads Last Week:
145
Product ranking:
Additional Requirements:
This is a maintenance release that fixes a few minor bugs.

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 3.3.73.520. The trial version is limited to 60 days only.

Publisher's Description

Screenshots

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All User Reviews
  • All Versions:

    3.7

    out of 32 votes

    • 5 star: 15
    • 4 star: 5
    • 3 star: 5
    • 2 star: 2
    • 1 star: 5
  • Current Version:

    3.7

    out of 7 votes

    • 5 star: 2
    • 4 star: 3
    • 3 star: 1
    • 2 star: 0
    • 1 star: 1
  • My rating:

    0 stars

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    Results 1-1 of 1

  • 2 stars

    "Visually Nice but Lacking Functionality"

    March 02, 2014   |   By farnkc

    Version: CommonCents 4.10.71.808

    Pros

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

    Cons

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

    Summary

    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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