Envelope Budget is a home finance program based upon the envelope style budgeting system. This allows you to set aside a portion of your money, at any interval, before bills or expenses come due. You can track your spending and save for future planned expenses.

PiggyBank is a selection of financial calculators which makes financial planning fun and easy. The first version has 45 calculators. The calculators are divided into the following categories: Education Planning, Retirement Planning, Savings, Rates, Mortgages and Personal Finance. Every calculator comes with a 'Help' section. There are user friendly graphs and you can print reports for all the calculators.

Easy Money provides a quick means to record where all your money comes from and where it goes - just like your financial planner keeps telling you to do. You can easily start the program, enter in several expenses, and get back out in a matter of seconds. This high speed, no nonsense approach makes it easy to get in the habit of using the program every day.Records are organized according to user-defined categories such as work, food, shelter, utilities, etc., and can be further classified by two user-defined fields and separate data folders if desired. Records can easily be found later on by searching for words or categories within a specified date range. The program includes a Macro utility to automate recording recurring expenses and income, such as payroll checks. Fiscal year start-stop is user-defined, and the program handles any nation's currency and date formatting.Reports may be tailored to include all records, or only ones meeting specified criteria. All reports have a summary section showing the sub-totals for each category, the percentage of the grand total, and the grand total. There is also a simple bar graph in the summary section. Select either portrait or landscape print output, or export the data for use in your favorite spreadsheet application.Easy Money includes an installation utility, with full un-installation support, and optional bold font screens for easier reading. Presented as 45 day fully operational shareware, with a modest $19.00 registration price. It requires Windows 95/98/2000, NT4, or XP 8 mb RAM (mouse optional).

By knowing where your money is coming from and going to you can easily construct a budget from the information you provide. Track income, expenses and savings. Sort expenses by category and type. You may be surprised to find that you are wasting money needlessly. Average category spending by day, week, month and year. View colored graphs of activities. Print reports and graphs. Includes features such as closing out a year, and can be password protected if desired. Search and sort data several ways. If you are serious about getting control of your finances this is a must have tool.

A 'Four-Star Editors' Pick' from ZD-Net! Read the PCWorld.com review in their March 2001 issue! Rated 5-Stars at SuperShareware.com! A feature-rich mortgage amortization program with a polished user interface. Includes many new features and enhancements. Enter any three figures - the amount financed, payment term, interest rate, or payment amount - and AprCalc will compute the fourth. Does amortizations for fixed, variable, Canadian, biweekly, and other types of mortgages, and compounds daily, weekly, bi-weekly, half-monthly, four-weekly, bi-monthly, quarterly, semi-annually, or annually. Annual subtotals can be displayed and printed. Professional quality printouts can be created, and registered users can customize the program with their own logo and text. Supports APR calculation including odd days interest, closing costs, and points. Scenarios can be saved in files and password protected (40-bit). A variety of prepayment options let you compare effects on payments, compute the amount necessary to shorten the term to a specified number of payments, display how much interest would be saved, and more. You can calculate break-even dates for discount points on mortgage loans to determine how long you'll need to own the house to come out ahead. You can attach 'rich text' notes to any scenario for reference purposes, drag and drop files, and display multiple loans for side-by-side comparison. Wizards provide step-by-step instructions, and tooltips are used to provide formats, examples. Automatically checks for new versions. Supports infinite undo/redo, auto-save, animated 3D graphs, payment grid (rate vs. principal), 'Tip of the Day', and export to Excel (XLS) or comma-separated (CSV) files. Advanced logging provides detailed debugging info for very fast bug fixes. Supported continuously, by the same author, since 1993, and provides automatic conversion from all previous versions of AprCalc. Install/un-install via InstallShield, and a detailed help file is included.

A set of financial planning tools to aid you in making those important financial decisions like loans, mortgages, refinancing, credit card debt payoff as well as other easy to use tools. The set contains the following tools -- A detailed mortgage calculator, a mortgage refinancing analysis, an accelerated mortgage payment analysis, a loan calculator, an inflation calculator, a Taxes / Inflation / Investment calculator, a trade-off analysis, an effective rate calculator, and a credit card debt payoff analysis.

The top rated J and L Retirement and Financial Planner is tool that allows you to create simple or complex financial scenarios based on financial events through out your life. You create the scenario based on your current financial status and future financial events. The J and L Retirement and Financial Planner executes your scenario and displays the effects on your net worth through out a selected time span. The output is displayed in a text format that shows the yearly effects on up to 50 accounts, including investment, tax free, retirement, asset and equity accounts. The output may also be presented with bar, line and pie graphs. The program can create a scenario based on mortgage, loan, withdrawal, deposit, and transfer events.

The top rated J and L Retirement and Financial Planner is tool that allows you to create simple or complex financial scenarios based on financial events through out your life. You create the scenario based on your current financial status and future financial events. The J and L Retirement and Financial Planner executes your scenario and displays the effects on your net worth through out a selected time span. The output is displayed in a text format that shows the yearly effects on up to 50 accounts, including investment, tax free, retirement, asset and equity accounts. The output may also be presented with bar, line and pie graphs. The program can create a scenario based on mortgage, loan, credit card debt, withdrawal, deposit, and transfer events. The program incorporates MRD(Minimum Required Distributions) as well as Revenue Code Section 529 ( College Investment Savings) into the scenarios. The program incorporates up to 5 separate budgets and the ability to track individual budget items. Each event has an option to be adjusted yearly for inflation or a separate yearly adjustment rate. There are many screen and printed reports.

StockFetcher-Pro is an intuitive windows application that gives you the ability to find stocks with specific technical attributes through a text-based search. Simply type in a phrase, such as “show stocks with close between 10 and 40” or “find stocks with price above upper bollinger(20)”. Also, select and combine hundreds of pre-built screens to zero in on the stocks you’re looking for. The unlocked version is only 8.95 (usd) per month and also gives you access to screening on www.stockfetcher.com. Since StockFetcher-pro needs to connect with www.stockfetcher.com, an Internet connection is required.

	The Pennywise Budget Manager is a powerful tool that enables you to quickly and easily create a budget that works for you. Using a unique system of Funds, Transactions and Accounts, you can look as far ahead into your financial future as you wish. Days, week, months and even years, the Pennywise Budget Manager will keep you up to date and out of debt.

Investors Toolbox with How to Get Rich and Stay Rich A comprehensive personal financial program that provides calculations, projections and graphs for: Saving, Investing, Retirement, Net Worth, Mortgages, Loans, Stocks, 401(k) Plans, Mutual Funds. A database management system records all transactions, tracks and graphs investment performance. Covers all stages of a person's financial life. Excellent On-Line Help guides you through each program feature. Requirements: Windows 9x or later. Changes: Mortgage allows percentage increase in Principal Interest payment.

	Keep your investments private! - Money, Stock and portfolio management. - Stock prices via internet - realtime - FREE. - >100 companies from start. - Technical analysis. - Graphics, reports, hints & ideas, and much more. - Easy to use software.

Budget for Success - Comprehensive calculations, projections and graphs for: Planning your Budget - shows where savings could be made to reduce your expenses. With databases for your data. Dual columns for existing and budgeted items. Planning your Mortgage - shows how to save tens of thousands of dollars over the life of your mortgage. All types, regular, accelerated and prepayments. Planning your Savings - shows compounded growth of savings applied to an investment. Net Worth - databases for your assets and liabilities. Excellent On-Line Help guides you through each program feature. Changes: Mortgage allows percentage increase in Principal Interest payment. Added Net Worth module. Changes made in Savings module.

	Split-Up software bundle is designed to help people going through divorce. Bundle includes the Split-Up Child Support Guideline Calculators (CA, FL, MA, NY, PA), the Split-Up Divorce Calculators, the Split-Up Divorce Financial Advisor, and the Split-Up Pension Calculator.

	Small utility for quick conversion between the new Euro currency and the "old" currencies of the 12 Euro-countries. Values are converted "as you type", type in the Euro box and the converted value appears directly, no need to click a "Compute" button. All conversion rates are built-in, just select the destination currency (e.g. German marks) from the Currency menu.

	EZStock provides stock market support for 28 countries including historic data, technical analysis and forecasting. It provides one-click access to a companies quote, web site, profile, charts, news and reports. Support for end of day, and real-time intra-day is provided for North American markets. This is probably the best free stock market program available anywhere.

Take control of your bills! Five O'clock Software's Bill Buddy is a powerful, user friendly bill manager that lets you easily record and organize all sorts of information about your bills. Once bills are entered (either manually or automatically with Bill Buddy's 'Recurring Bills' feature), you can sort monthly bills by any field, search for specific bills, generate reports, etc. -- all without knowing a thing about accounting. Bill Buddy Features an easy-to-use, intuitive user interface, the ability to automatically add recurring bills, three different report styles, the ability to search for specific bills, the ability to sort monthly bills by any field, password protected multiple user support, and much more. With Bill Buddy, you'll have that stack of bills tamed in no time.

Do you have problems remembering the passwords for all your online accounts? Do you have a drawer-full of names and passwords scribbled on bits of paper? Then you need AccountUnity. Using a revolutionary new system, aggregate all your online financial and e-mail accounts into one login WITHOUT sending your private user names and passwords to anyone. All information is held securely on your own PC. UK Banks, credit cards, utilities all included.

Accounts and Budget 2000 gives you all necessary tools to manage your budget and your bank accounts. Manage your expenses, income and transfers ordered by categories. Make summaries of transactions. Plan your budget and make budgetary controls. Manage automatics transactions. Choose foreign currencies. Simulate the evolution of your financial assets. Check your financial status with statistics and graphics. Print summaries of transactions and bank statements. Search transactions. Protect data with a password. This software is easy to use !

	The Personal Credit Builder enables you to submit online credit applications quickly and easily. Target your credit card applications according to your credit rating. Get a free credit report, and check out credit repair. Investigate getting a loan easily online. So simple to use, yet so powerful! Get the credit cards you need now! This program does not expire and is updated often!

Titanium Checkbook is a program for tracking your current and future finances. It allows you to manage up to nine separate checking accounts, nine savings accounts and nine credit card accounts. Adding deposit and withdrawal entries is very easy, and you can establish payees and sources of income. The main account component works much like a spreadsheet program. To ensure accuracy, you can reconcile the program's financial data with your bank statement. Titanium Checkbook will point out only outstanding items and display a "situation" report indicating the difference. By configuring the program to remember repeating events, such as monthly rent or utility bills, it will remind you when payments are due. With the financial forecast feature, Titanium Checkbook is set apart from other sharewa

3S Accounting is a versatile accounting package designed for the small office/home office (SOHO) market. 3S Accounting is full featured, easy to use and completely free. It includes a general ledger, accounts receivable, accounts payable, and an invoicing and order-entry system. Reports can be exported directly to MSOffice and Corel WordPerfect. Registered users will receive 30 days of free technical support. Registration is free of charge.

Have you ever felt that you can't catch up with the daily chores of living, that you don't know where your money is going, that you are paying too much for what you're getting. In this ebook, you will find tips, tricks, ideas and links on how to organize your life, save money, make a budget and find the best bargains. Why should you pay more for less. The links in the full version are updated periodically. Get organized with this ebook!

	Personal Stock Monitor GOLD is an investment tool that uses the Internet to give you live continously updated quotes, charts and news headlines on your desktop for FREE. It retrieves quotes from public finance websites covering 15 markets worldwide and features an advanced alerts system, an active portfolio manager, a stock ticker bar, dynamic charts, asset allocation, and much more.

	Create a portfolio with this spreadsheet for Excel 97 or better. Enter your past and present stock holdings. See your gains and losses at a glance. Get on-line quotes.

Based on Wheatworks experience developing financial calculators for corporate clients, APR Spread Calculator uses the Actuarial Method of calculating Annual Percentage Rates for mortgage loans as explained in Appendix J of 12 CFR Ch. II, Pt. 226, the portion of the United States Code of Federal Regulations known as "Regulation Z". In addition to the basic APR calculation, APR Spread Calculator also provides a spreadsheet-like grid of APRs by loan amounts and fixed fee amounts. The loan amount and fixed fee amount axes are "spread" incrementally based upon user-modifiable ranges. Wheatworks Software's APR Spread Calculator is a shareware financial calculator designed for Win95/98/NT systems. It offers integrated help, provides automatic 'hints', accomodates all Regional Settings, is large and small font compliant, offers Wheatworks Software's new, integrated Upgrade Center for easy, free, online updates, and includes a user-friendly registration system.

Future Value of Savings Calculator is designed to quickly display the future results of a regular savings plan. Future Value of Savings Calculator offers a clear perspective on saving money by automatically displaying future values on a 2-dimension grid as you enter or update your investment variables. The range of values on the results grid's axes is easily configured by clicking on groups of radio buttons which allow you to set your own range of values displayed on the grid. To begin using Future Value of Savings Calculator simply modify a value in one of the white edit boxes. The results of all calculations are determined and displayed on the results grid immediately after an edit box value changes. All results are automatically updated as you change the values in the white edit boxes or click on the radio buttons. Future Value of Savings Calculator is designed for Win95/98/NT systems. It offers integrated help, provides automatic hints, accomodates all Regional Settings, is large and small font compliant, offers Wheatworks Software, LLC's new integrated Upgrade Center for easy, free, online updates, and includes a user-friendly registration system.

Take any hundred men or women at the start of their working careers and follow them for forty years until they reach retirement age, and here's what you'll find, according to the Social Security Administration: only one will be wealthy; four will be financially secure; five will continue working, not because they want to but because they have to; thirty-six will be dead; and fifty-four will be flat-broke, dependent on their meager Social Security checks, relatives, friends, even charity for a minimum standard of living. That's five percent successful, ninety-five percent unsuccessful. Only the five percent knew that they needed only to do this one thing to ensure a more prosperous, debt-free retirement.

Personal Finances is a great freeware program for tracking your current and future finances. It allows you to manage up to five separate checking accounts and five savings accounts. Adding deposit and withdrawal entries is very easy, and you can establish payees and sources of income. The main account component works much like a spreadsheet program. You can add, modify and remove entries by moving your mouse to a desired column. To ensure accuracy, you can reconcile the program's financial data with your bank statement. Personal Finances will point out only outstanding items and display a "situation" report indicating the difference. By configuring the program to remember reoccurring events, such as monthly rent or utility bills, it will remind you when payments are due.

From books and music to computer products and consumer electronics, the iChoose Savings Alert delivers better deals on the things you want to buy. Shop as usual at your favorite online stores. When you add items to your shopping cart, the iChoose Alert instantly notifies you if there's a better deal at another Web site. A small window pops up displaying a side-by-side comparison of the price, shipping, and tax charged for the item on both sites. The Alert even offers merchant ratings from BizRate.com. Accept the offer and you are automatically transferred to the checkout page, making your purchase quick and easy. All purchases made with the Alert also come with a 100% satisfaction guarantee. Save money and time when shopping online with the iChoose Alert.

	Currency Converter will exchange the value of your dollar for its worth in the Japanese Yen to its weight in gold to how many Irish Punts you can get from it. This program is currently being upgraded to use Real-Time Currency Exchange rates and some 200 more countries.

'U Have To Be A Millionaire!' is your personal portal to a wealth of on-line financial information. This is a full multimedia Internet application that delivers relevant data from hundreds of sources. >From one single interface, you can track portfolios in real time and do the in-depth research required to profit. Rather than clicking endlessly through several financial Web sites, data is streamed straight to your desktop. The software offers straightforward advice from dozens of analysts. You'll gain insights into which investments are strong and weak.With a click of the "Update" button, you can receive the latest numbers from the financial markets. You can monitor several groups of stocks and transactions, and view detailed statistics for each. Read customizable reports that can include everything from annual income statements to earning estimates. Explore various charts, the latest "gossip," and calculators to consider your options. Once you've looked over the facts, find out what the business press has to say. You can connect directly to dozens of financial and other specialized Web sites. Using the built-in RealPlayer viewer, you can watch the latest video and audio broadcasts. If don't trust the press, you can communicate with other investors just like you. 'U Have To Be A Millionaire!' provides quick access to message boards, Usenet newsgroups and on-line chats. The pure intellectual capital that this software provides can't be beat. If Web sites and TV shows don't quite offer the knowledge you need, give 'U Have To Be A Millionaire!' a try. It's a hack of a tool for making sound investments.

The Consiglieri is a super software that give you the ability to track, explore, edit, watch, listen, record, share, counsel and report: any possible stocks, market, funds or finance information, from the Web. By means of quick visual results you will be able to obtain the most updated sites, very easily and intuitively. By engaging the expertise of the 45 most leading analysts you will be able to watch average recommendations graph. The Consiglieri will track and save for you, the latest stock prices, fundamental data, reports, news, profiles, history data of split history, upgrades and downgrades, quarterly reports, calls & puts options, insider traders and analyst's research. Explore the market: watch Option summary reports, IPO summary, market indexes and Splits summary. Let Consiglieri show you the top winners, losers, most actives and much more. Follow the Internet newsgroups gossip around, by using the Consiglieri Gossip Explorer. Research the web with the powerful stock performance search engine. Use the power of human analyst and get free tips and advices. Link the to human analysts as a special service. Find quick charts, ratio graphs, technical charts and interactive charts with only one click. Connect to the top leading news providers. Read the latest news headlines in real time. Group your favorite stocks with powerful portfolio. Check the latest Internet gossip around; listen to the latest business radio broadcasts and watch financial TV programs from the web. Let Consiglieri prepare for you stock summary reports. Export assigned reports in any format, and let Consiglieri read to you the latest prices and news headlines.