Freedom251 › Personal Finance Software
AceMoney
What AceMoney is
AceMoney Studio is a personal finance ledger for accounts, budgets, reports and investments. Its register supports search, split transactions, reconciliation and a running balance. Reports track spending, income and net worth over time and can be exported as CSV, HTML or text or printed. Accounts can use multiple currencies with automatic exchange rates. Import options include QIF, OFX, QFX, CSV, AceMoney Classic JSON or XML, and Microsoft Money QIF, OFX or OFC files. Transactions can also come through a customer’s own SimpleFIN account. Books stay on the user’s computer, and the application works offline. Cloud synchronization is end-to-end encrypted, while Plaid transactions are sealed to the user’s key. Studio Free supports three accounts without time limits or sign-up. Paid choices include a $44.95 one-time AceMoney license, $69.99 Studio, $7.99 monthly Cloud and $119 bundle.
Who it suits
AceMoney suits people managing household finances, investments and multiple currencies across desktop and mobile platforms. Its import and offline options help users moving from other finance software.
What it does well
- Budgeting, bills, reports and investments
- Supports many currencies with exchange rates
- Imports common finance file formats
- Offline books stored on your computer
- Encrypted cloud synchronization
What to know first
- Studio Free allows up to three accounts
- Cloud costs $7.99 per month
- Cloud requires a free AceMoney account
- SimpleFIN is a separate service
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| AceMoney | One time low purchase fee; includes all future updates. · Windows and macOS desktop finance manager · Lifetime access · Future updates included | $44.95, paid once |
| Studio Free | Up to 3 accounts · Register, Home dashboard and imports · No time limit, no sign-up | Free |
| AceMoney Studio-Cloud Bundle | Cloud renews automatically at USD 79.99 a year after the first year · AceMoney Studio license · First year of AceMoney Cloud · Requires a free AceMoney account | $119, paid once |
| AceMoney Studio | Everything unlocked on 2 computers · Windows, macOS and Linux · Includes 12 months of updates | $69.99, paid once |
| AceMoney Cloud | Paid in advance; renews automatically until canceled · End-to-end-encrypted sync · Managed bank feeds · Receipts Pro features across devices · Requires a free AceMoney account | $7.99 a month |
| AceMoney Cloud | Paid in advance; renews automatically until canceled · End-to-end-encrypted sync · Managed bank feeds · Receipts Pro features across devices · Requires a free AceMoney account | $79.99 a year |
As mechcad.net lists them, read 22 Sept 2026. The maker's own page has the final word.
Verdict
AceMoney Studio combines ledger tools, broad imports and offline storage with optional encrypted synchronization. A limited free edition is available, alongside one-time licenses and a recurring Cloud plan.
Facts from AceMoney's own pages
- Account sync
- both · mechcad.net, 22 Sept 2026
- Bank feeds
- Studio can import transactions through a customer's own SimpleFIN account, which the maker describes as a separate service. · mechcad.net, 12 Oct 2026
- Bill tracking
- Yes · mechcad.net, 22 Sept 2026
- Budgeting tools
- Yes · mechcad.net, 22 Sept 2026
- Cloud data retention
- After a Cloud subscription ends, the synced copy remains available to restore for 12 months, and the maker says it emails users before deletion. · mechcad.net, 12 Oct 2026
- Cloud security
- The maker says Cloud sync is end-to-end encrypted and bank transactions from Plaid are sealed to the user's key when they arrive, with no readable copy stored. · mechcad.net, 12 Oct 2026
- Company
- MechCAD describes itself as a personal finance software maker with headquarters in Florida and domestic and international customers. · mechcad.net, 12 Oct 2026
- Company location
- The site identifies the seller as MechCAD Software LLC at 14531 Gainesborough Dr, Orlando, FL 32826, United States. · mechcad.net, 12 Oct 2026
- Currencies
- AceMoney Studio supports accounts in many currencies with automatic exchange rates. · mechcad.net, 12 Oct 2026
- Free plan
- No · mechcad.net, 22 Sept 2026
- Imports
- It imports QIF, OFX, QFX and CSV files, AceMoney Classic JSON or XML exports, and Microsoft Money exports in QIF, OFX or OFC format. · mechcad.net, 12 Oct 2026
- Local storage
- The maker says Studio's books live on the user's computer and the app works offline. · mechcad.net, 12 Oct 2026
- Mobile apps
- both · mechcad.net, 22 Sept 2026
- Purpose
- AceMoney Studio is a personal finance ledger with accounts, budgets, reports and investments. · mechcad.net, 12 Oct 2026
- Register
- The register supports searching, split transactions, reconciliation and a running balance. · mechcad.net, 12 Oct 2026
- Reports
- Reports cover spending, income and net worth over time and can be exported to CSV, HTML or text, or printed. · mechcad.net, 12 Oct 2026
- Support
- The support center accepts technical support, general questions, and licensing or billing requests. · support.mechcad.net, 12 Oct 2026
Where AceMoney stands on Freedom251
- Personal Finance Software#45 of 181