CommonCents is one of the most powerful personal finance softwares that is based on envelope budget system that works by assigning income and expenses to specified budget categories in order to manage them efficiently. The traditional envelope budgeting is about dividing the cash into paper envelopes. This program works the same way creating envelopes for different expenses and you can edit them all according to your needs. It provides you with the current balance on each envelope and a written history of all expenditures and income with real time accounting. You can create any number of financial accounts such as investments, saving, credit cards, mortgage or other loans and cash. The interface is very user friendly with a panel showing all your financial accounts with balances. A perfect budgeting program for anyone interested in saving some money every month!