You pay a one-time fee for Moneydance, have free access to the next updated version, and then receive a discount on future software updates. It’s also not subscription-based, which is pretty different than what other paid personal finance apps are currently offering. But, you still can link and sync your accounts. It’s local software, so not cloud-based, which is good for anyone who is concerned about data breaches. Since then, it’s gone through numerous updates and releases so users can take advantage of a growing list of features, including bill payment, budgeting, and investment tracking. Moneydance was first released in 1997… that’s over 20 years old.
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