Dialup	(56k)	-	09 m 33 s
ISDN	(128k)	-	04 m 11 s
DSL	(512k)	-	01 m 03 s
Cable	(1024k)	-	32 s
T1	(1484k)	-	22 s

Personal Finances is an elegant, easy, yet technically advanced home financial manager for Windows users. Putting budget tracking on auto-pilot, the program will help users to track income and expenses, plan budget and cut back on unnecessary expenses. Personal Finances Pro will also help you to track expected income, spending and see how much money the user will have at any date in the future. Personal Finances is portable and can run from the USB drive.

Designed with the beginner in mind, Personal Finances lets anyone take the first steps into budget planning without a shock from software complexity and learning curve. For the most part this is due to a simple, well-designed interface. The main window puts all financial transactions, accounts, tools and options in front of the user, letting you review any budget item and modify it with a remarkable ease.

To get started, the user is required to create accounts, which can be a etc, credit card, cash, pocket money, real bank account. The next step is to enter transactions, both earnings and purchases. To make it simpler for the user to track budget in details, transactions can be defined with family members, tags, categories. Tags help to distinguish between similar transactions that fall into the same category.

Personal Finances has a powerful reporting tool that can generate pie, bar chart reports and trands with totals and percentages that reflect the flow of money for any period of time. The user can generate reports by tags, family members, categories. By clicking on any item in the report, user can drill down deeper to transactions associated with the item. Reports can be saved to file in HTML, CHM, or TXT, or printed to paper.

The program helps the user review the financial health of the home budget, see the spending categories that need to be trimmed in order to make a balanced budget one can live on without lapsing into debt.