KMyMoney

The financial summary shows account balances and upcoming or overdue scheduled transactions. Use that overview to find a bill that needs attention, then open its schedule rather than searching through the ledger. Schedules can represent bills, deposits or transfers and can enter a transaction automatically into your records; that ledger entry does not pay the bill.

Set up your own finance file

Choose File → New to open the setup wizard. Personal details are optional. Select the base currency, enter an account's opening date and balance, then choose category templates or create your own later. You finish by selecting where to store the file. Separate households or sets of accounts can have separate files, although only one file can be open at a time.

For a recurring payee, a default category and matching rule reduce repeated data entry. QIF and OFX imports provide ways to bring in older transactions.

Match the bank statement and export results

Select an account, then choose Account → Reconcile to compare its transactions with a bank or card statement. Reports can be adjusted with Configure report or copied using New report. Export report saves CSV for spreadsheet analysis or HTML to retain the report's layout.

KMyMoney is available without a software subscription under an open-source licence. Linux packages, Windows installers and macOS downloads are linked from the site. KDE's signed Windows builds currently omit AqBanking support, so that particular bank-connection method needs a different compatible build.