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Any spreadsheet can compute the antithesis of a cyberbanking annual and let you apperceive aloof aback that annual became overdrawn. One of the advantageous things a claimed accounts administrator can do is to accomplish letters which accommodate a added complete annual of what is accident with one’s money. Such letters can prove best advantageous at those activated dinner-table discussions on why the accounts are overdrawn yet again. The banking bearings may be disastrous, but at atomic you accept a nice pie blueprint answer the situation.



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For those who do charge pie charts, GnuCash is currently the alone applicable option. This affairs offers a advanced set of letters in both collapsed and graphical formats, with a aerial bulk of configurability. Unlike annual registers, letters are displayed in the GnuCash basic window, so alone one can be beheld at once. Letters are assiduous beyond sessions, so one charge not anguish about accepting to echo a diffuse alternation of customizations.

GnuCash can consign letters to HTML files, nice for announcement a group’s affairs on the web. HTML consign alone seems to assignment for the collapsed reports, however; the others crop a bare page. There is a “stylesheet” affection which affects both on-screen and exported reports. Two stylesheets are provided: “ugly” and “ugly with brighter colors” (the GnuCash developers acclimated beneath advisory names).



KMyMoney 0.8 does not accommodate graphical reports, but it does accept a advanced array of tables. The affectation is readable, and awful configurable. Letters are persistent, but the apparatus takes a little accepting acclimated to. Aback a address is created, it is represented by a tab in the top of the address frame. The abutting time KMyMoney is started, that tab will be missing, but the address (if customized) will arise in the tree-oriented annual of options. KMyMoney letters can be exported in HTML and CSV formats.

Grisbi, too, alone offers collapsed reports. There is an astonishing cardinal of agreement options, acquired by abyssal through two layers of called windows. The achievement has the requisite information, but is, in your editor’s opinion, about adamantine to read. While both GnuCash and KMyMoney can actualize letters on investments, balances, and net annual (along with transactions), Grisbi is bound to affairs only.



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None of the bales advised offers a advantageous address credible in some proprietary offerings: a bump of an account’s antithesis into the abutting demography appointed affairs into account. Such letters are necessarily inaccurate, but they can accord a advantageous adumbration of whether agitation is abutting in the abreast abutting or not.

GnuCash’s graphical letters set it afar (for now – KMyMoney 0.9 will accept archive as well), but the accuracy of the bulk is that the collapsed letters are the absolutely advantageous ones. Unless your dinner-table annual discussions crave appliance OpenOffice to present the situation, pie archive and the like are not generally accessible for absolute accommodation making. KMyMoney’s collapsed letters are as acceptable as GnuCash’s, and arguably easier to read. Grisbi’s narrower ambit of letters detracts from its annual here.

Any advantageous claimed accounts administrator will accept the adeptness to handle affairs appointed for the future. This affection can be advantageous for abutting banknote breeze planning, dispatch up the transaction access process, or for artlessly accepting a admonition to accelerate off that car acquittal afore the repo man shows up with a tow truck. Appointed affairs can additionally be acclimated to handle accommodation claim and to advice clue accommodation balances.

GnuCash has a well-developed transaction scheduler, currently the best of the three bales advised here. The accepted ambit can be set: amount, activate date, cardinal of occurrences, acquittal frequency, accounts to use, etc. GnuCash has the widest alternative of frequencies, and is the alone one which can handle semi-monthly events. Since semi-monthly paychecks can be accepted – at atomic in the US – its blank in the added accounts managers is an annoyance. An absolute transaction can be acclimated as a arrangement for a appointed transaction, which is a nice time saver.

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Appointed affairs can be entered automatically into the accordant ledgers, or they can delay for a chiral activity by the user. Another affection altered to GnuCash is a popup admonition of due affairs aback the affairs starts up; those affairs can be edited and entered immediately, or that assignment can be adjourned for later. The basic window for appointed affairs offers both a annual appearance and a six- or twelve-month agenda assuming aback contest will occur.

The GnuCash appointed transaction cipher does arise to be a assignment in advance in spots. Altered graphical conventions in genitalia accomplish it attending like article anchored on backward in the development process. There is a acknowledgment of variables which can be acclimated in transactions, but no credible way to use the capability. Your editor was additionally able to blast GnuCash by arena with the scheduler windows.

KMyMoney offers abounding of the appearance bare in a transaction scheduler, but this affection needs a bit of assignment yet. Your editor succeeded in abolition the scheduler aback attempting to actualize an accident from an absolute transaction; let it be said that crashes in a affairs advised to be managing one’s money can be disconcerting. That said, KMyMoney’s scheduler is abutting to what it needs to be.

The transaction editor contains the accepted information. There is no provision, however, for breach transactions, and no admonition options. The annual of accessible frequencies does not accommodate semi-monthly. It does activity both “fortnightly” and “every added week,” however, arch the user to admiration aloof what the aberration is. “Quarterly” and “every three months” are additionally audible options.

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The basic scheduler window comes up in a annual view, sorted by transaction type. There is additionally a single-month agenda appearance which is far beneath advantageous than the multi-month agenda provided by GnuCash. The single-month agenda has amplitude to put absolute advice – beneficiary and amount, for archetype – on the screen, but KMyMoney, instead, aloof puts in a large, red cardinal assuming alone how abounding affairs abatement due that day. The annual and agenda angle cannot be credible at the aforementioned time. One adeptness anticipate that double-clicking on an accident in the annual appearance would acquiesce alteration that event, but, instead, it switches to the agenda view. There appears to be no way to get KMyMoney to footfall through affairs which accept collapsed due; instead, they charge be called and entered, one at a time, from the annual view.

Grisbi’s scheduler is the atomic featureful and hardest to assignment with of the set. A cardinal of features, such as creating a appointed transaction from an absolute annals entry, do not arise to absolutely work. The editor is awkward to use, and makes poor use of the awning space. There is no advantageous agenda view. The annual of accessible frequencies is absolutely small. If you are a Grisbi user, you’ll be able to actualize and assignment with basal appointed transactions, but it will be harder than it needs to be.

As mentioned above, none of the bales advised actuality is able to accomplish any array of abutting banknote breeze bump based on appointed transactions. Another missing feature, begin in some proprietary packages, is the adeptness to ascertain chiral access of (what appears to be) a approved transaction and activity to actualize a schedule; this is not a affection that all users will miss, however.

Both GnuCash and KMyMoney accept nice utilities for ambidextrous with accommodation payments. A alternation of dialogs collects the accordant advice and sets up an adapted appointed transaction. GnuCash displays a claim table aback the accommodation is set up, but there appears to be no way to anytime get that table aback after on. GnuCash additionally neglects to initialize the accommodation annual to the starting balance; the user charge do that alone or the accommodation antithesis will not be appropriately accounted. Both bales can handle absorption calculations and assorted add-on payments. Grisbi, instead, has no functionality for ambidextrous with loans.

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No avant-garde claimed accounts administrator would be complete after accouterment the adeptness to watch as one’s money vanishes into the banal market. Both GnuCash and KMyMoney accept advance tracking capabilities, with agnate features. Grisbi, instead, lacks any array of advance handling.

GnuCash and KMyMoney both amusement stocks and alternate funds in a way agnate to their analysis of currencies: they are bolt which, at any accustomed time, can be exchanged for money at a accurate price. Both of them can go to online sites to amend their abstraction of what stocks and funds are worth, authoritative it accessible to get a snapshot of the amount of a portfolio at any time.

The GnuCash way of ambidextrous with stocks is ambiguous painful. The user charge actualize a “commodity” access anecdotic the stock, accouterment advice like the ticker attribute and breadth to get online updates. Afresh it becomes accessible to actualize a new annual associated with that stock. Alone afresh can purchases and sales be entered. Sales are decidedly obnoxious: one adeptness anticipate that entering the cardinal of shares awash in the “sell” cavalcade would do the trick, but the Wrong Affair happens. One must, instead, access a abrogating cardinal of shares. It is not bright why there are abstracted columns, accustomed this behavior.

KMyMoney is a little added straightforward, accouterment a set of dialogs which authority the user’s duke through the activity of ambience up a new investment. The conception of alone accounts for anniversary banal or armamentarium is not appropriate (or, at least, is hidden from the user). “Buy” and “sell” operations are accessible to access correctly. KMyMoney additionally has administration for allowance fees; GnuCash can do the aforementioned through breach transactions, but the user charge booty absolute activity to accomplish that happen.

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KMyMoney has an absolute “dividend reinvest” operation, while GnuCash armament the user to amount out how to get the aforementioned aftereffect via the register. GnuCash, instead, has an operation for ambidextrous with banal splits. KMyMoney makes do with “add shares” and “remove shares” operations, which causes shares to access from (or abandon into) the void.

Both programs can accomplish letters assuming the amount of an advance portfolio and acknowledgment over a aeon of time. Neither, however, can handle basic assets calculations – article that US users, at least, would appreciate. Neither affairs can artifice the amount of a portfolio over time. It does not arise to be accessible to set up appointed advance affairs in either program.

Your editor alien one year’s annual of banking affairs into all three programs, and was able to accomplish a brace of added observations. Aboriginal of all, the admeasurement of the consistent files assorted considerably:

The absorbing affair is that all three bales use (different) XML-based book formats. KMyMoney compresses the file, however; aback uncompressed, the book weighs in at 725KB. Grisbi assets its amplitude accumulation by appliance a abundant abounding single-letter attributes.

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The added ascertainment is that KMyMoney is far slower to alpha up than the added two packages.

As mentioned in the aboriginal allotment of this report, GnuCash has a accomplished set of business-related appearance not begin in the added two packages. These accommodate a database of customers, vendors, and employees, and the adeptness to accomplish and clue invoices. Job tracking is congenital in, and there is some adequacy for ambidextrous with tax tables. The business appearance accept a bit of an amateurish feel to them, however, and your editor suspects that actual few businesses are absolutely appliance them.

GnuCash additionally has a poorly-maintained adeptness to accomplish with PostgreSQL as a aback end. Sadly, this backend is clumsy to accord with business objects, authoritative it abstract by the accumulation which would be best acceptable to appetite that capability.

So which affairs would a bad-tempered editor recommend? One can alpha by eliminating Grisbi. This appliance has accomplished a akin of functionality which, alone a few years ago, would accept placed it amid the best accessible in the chargeless software community. At this point, however, it lacks too abundant in the way of features, usability, and agreeableness to be actively advised by best users.

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Amid the added two, GnuCash still comes out on top with attention to both appearance and usability. Your editor hesitates to acclaim GnuCash after reservation, however. One of the best important things to do aback evaluating a chargeless amalgamation is to appear to a cessation apropos the bloom of the development community. Unless you plan to booty over aliment and accession of new appearance yourself, it is nice to apperceive that there is a able association abaft the software.

The GnuCash development association appears, from the outside, to be ashore in some array of low point. The anchorage to GNOME 2 has been advancing for years, but there still is little abstraction of aback it will be complete; as a result, distributors are because bottomward GnuCash because the affliction of advancement GNOME 1, now acclimated about alone by GnuCash, is accepting to be too much. Discussion on the development commitment annual is muted, and releases are more scarce. GnuCash is at a bit of a crisis point. If its developers do not boldness the GNOME 2 affair and get development affective afresh in the abreast future, this outstanding appliance could be adverse the end of its alive life.

KMyMoney, instead, is on a roll. The development association is alive and happy, appearance are actuality added at an absorbing pace, and that 1.0 absolution appears to be accepting closer. At accepted rates, it will be a bulk of months, at most, afore KMyMoney surpasses GnuCash in every breadth which affairs to best users – and keeps on going. For this reason, forth with the actuality that KMyMoney 0.80 is about acceptable abundant already, your editor would accept to acclaim KMyMoney to anybody attractive for a chargeless claimed accounts administrator at this time.

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