Icon of program: CommonCents

CommonCents for Windows

By enDevelopmentFreeUser Rating

Key Details of CommonCents

  • Manage your personal finances (cash money, accounts, credit cards, loans, debt, and home budget.
  • Last updated on 1/16/2018
  • There have been 6 updates
  • Virus scan status:

    Clean (it's extremely likely that this software program is clean)

Enlarged image for CommonCents

Editors' Review

Download.com staff

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.

What's new in version

Version is a maintenance release with the following minor fixes and enhancements:
  • Removed the license requirement and expiration.
  • Added support for QIF export of data.

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Full Specifications

January 16, 2018
Latest update
January 16, 2018
Operating System
Windows 8, Windows 2000, Windows Vista, Windows XP, Windows 10, Windows 2003, Windows 7
Additional Requirements
.NET 4.0
Total Downloads
Downloads Last Week

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User Reviews


32 User Votes

Developer's Description

Manage your personal finances (cash money, accounts, credit cards, loans, debt, and home budget.
CommonCents 5.0 personal finance software uses true envelope budgeting. Setup is quick and easy through a guided setup process. Cash, checking, savings, credit card and loan/mortgage accounts are supported. Data is encrypted. Backup capabilities are built in. Extensive customizable reporting. Goal management, reminders.