Moneydance costs a one-time US$65 for a single license key that never expires — no monthly fee, a free upgrade to the next major release, and a 90-day money-back guarantee. Try the full app free before you buy.
Version 2024.4 · Windows, macOS & Linux · US$65 one-time · Optional Moneydance+ bank sync ~US$40/yr
Moneydance pricing is a single one-time purchase of US$65 for one license key, with no subscription required to keep using the app. The price includes a free upgrade to the next major release, and every purchase is backed by a 90-day money-back guarantee. The optional Moneydance+ bank-sync add-on is a separate low-cost subscription of roughly US$40 per year.
For personal use, you buy one license per household, no matter how many computers you install Moneydance on, how many operating systems you use, how many people in the home use it, or how many data files you create. A single US$65 key covers a normal family setup across Windows, macOS and Linux machines. If you need to license several separate households or an office, discounted multi-license pricing is available from the official store — buy the number of keys you need in one order to receive the volume discount.
For business use, the rule is one license per computer that Moneydance is installed on, or one license per data file on a shared network, whichever is the smaller number. This keeps commercial licensing simple: a two-person office running one shared file needs one key, while two staff each keeping their own separate file need two.
You do not have to pay to evaluate Moneydance. The free trial is the complete application, not a stripped-down demo — it is fully functional but limited to 100 manually entered transactions, with no time limit. That is enough to import a few accounts, test online banking and see the graphs and reports before you decide. When you are ready, buying the US$65 license simply removes the transaction limit on the file you already started, so you keep all of your data.
If you already own an older version, the store can check your existing key to see whether you qualify for a free or discounted upgrade rather than paying full price again. And if you ever misplace your key, the official store can re-send it to the email address used for the original purchase, so a lost license does not mean buying Moneydance twice. Moneydance+ bank sync, when added, is billed as a separate subscription with a 14-day free trial that you can cancel at any time.
The defining part of Moneydance pricing is that the desktop app is bought once, not rented. Many modern finance apps charge a recurring monthly or yearly fee just to open your own data, and stop working the moment you cancel. Moneydance takes the opposite approach: pay US$65 once and the software is never "sunset", so the version you bought keeps running for as long as you like without another payment. Over several years that difference adds up, because a US$65 one-time cost competes with subscription tools that can charge that much every single year.
The only recurring element is entirely optional. If you want Moneydance to pull transactions automatically from your bank instead of importing OFX, QFX, QIF or CSV files by hand, you can add the Moneydance+ service for roughly US$40 per year, covering 11,000+ North American institutions. It ships with a 14-day free trial and can be cancelled at any time, though past subscription periods are not refundable. Skip it and the core app still does everything else — budgets, registers, reminders, investments and reports — at no ongoing cost.
Download the full free trial with no time limit, then unlock it with a one-time US$65 license and 90-day money-back guarantee.
Moneydance