Millionaire 2020 for Windows

Simple, powerful, easy to use--these assets go in the credit column for this app. This home-accounting package will help you realize your desire to reign in your spending practices to make sure outgo doesn't outweigh income.

Millionaire 2020 launches a simple tabbed interface--plain but functional--with a row of buttons. A robust Help feature provides details on how to get the most from the app, but a first-time user can determine how to use this software just by looking at the interface. This app performed very well during our tests. We liked the simplicity it provided for entering recurring items, such as paychecks and mortgage payments, which included setting up frequency and dates of occurrence. One-time items also were easy to add. Nonfinancial-savvy users will appreciate the simple lingo Millionaire 2020 employs, with credits and debits labeled Receive$ and Pay Out$. Editing existing items was also simple to do. Very handy were the Spending Plan and Budget features; with the click of a button, the app automatically built a report for these items. The Graph button quickly created a Cash Flow chart that graphically illustrated the good or bad news your entries will tell. The password protection adds a level of security appropriate for more home users, and the Debt Hammer feature is very handy for folks having trouble figuring out how to reduce their credit card debt.

Other apps have more bells and whistles and may help plan for taxes and investments, but most personal users entering the world of accounting software will appreciate this app's simplicity.