The advantages of a software become apparent immediately. Unless it is broken, it will always make the right calculations, with no margin for error. Software is also better suited to provide a quick overview and graphs, that would take additional work manually.

Money on Thread is a basic personal finance app. It basically sorts the income and expenses in a thread in the main interface, with the newest items at the bottom. Sort of a timeline if you like. The left side lists the income, the right the expenses and the middle bar the money that is currently available.

money on thread

Activities are added via the header bar or the menubar. An activity at the bare minimum consists of an operation (add or subtract) and a sum. Optional fields are the description field, which makes identification easier, a category and the option to define multiple instances of the income or expense.

personal finance activity

The program comes with a set of preconfigured categories, like salary income, personal expenses or health and education. Custom categories can be defined in the program options as well.

The available money is always visible on program start in the main interface. Money on Thread makes use of graphs, lists and reports that can be opened from the footer bar of the application.

The transaction list for example lists all activities in an Excel like table, with an option to filter by text.

Information provided by the personal finance software can be exported into various formats, including csv, qif and jfx.

Money on Thread is a basic personal finance software. This does not have to be a “bad” thing, as many professional grade finance applications tend to over-complicate matters.

This one here is easy to use, and provides enough information for most uses. The only downside is that it is a bit cumbersome to use. There are no keyboard shortcuts available for instance, or direct options to add a new activity in the main interface.

Money on Thread requires Java to be installed on the computer system. The program is available for download at the developer website.

As I said, this is manual stuff, so it might take a while to set up and get used to, but from then on its smooth sailing. All you need to do is set up your accounts, set their initial amount and off you go.Whenever you need you can add transactions and transfers, all this in a smooth AJAX style no-reloading interface.

You can take a look at your summary on the front page, which gives some pretty good stats. I use Clearcheckbook mainly for managing my debt situation, which I am sorry to say is quite bad. However, Clearcheckbook helps a great deal because I can much better see the numbers, and feel good when my minuses go a bit higher (closer to zero that is).

What I mostly love about the app is that since it is manual, it allows for far greater flexibility than many of its rivals. You can have standard accounts like checking, savings, credit but you can also enter your own types, like Paypal or Affiliate payments. You can also add categories for your expenses and income, and whenever you enter a transaction you can also enter an additional description.

This makes everything as segmented as possible with the least amount of effort. It also allows for some great reporting, like spending by category, statistics by account and whatnot. Also, whenever I see a good app being developed further I like it even more, and Clearcheckbook is just rolling out version 2 of its product. By the time you guys read this it will already be out, but as a translator I had a glimpse into the new interface and its pretty cool.

I actually only had one problem with it which was addressed. Since I live in Hungary my main currency here is HUF, while I mostly get paid in USD. In version 1 you could choose currencies, but not on an account basis, but on a global basis. Now you can tie a currency to an account which makes things one step easier.

Overall, Clearcheckbook is my type of application, clean, easy to use, hugely useful and work in progress, which just makes it better and better every day. I’ve actually never seen an app as good as this, if you know of any please let me know so I can try it out, but I need one which has an option to do everything manually. Try this out though, seriously, it’s awesome.