Freeware Utilities

Budget and track expenses

PearBudget is a FREE budgeting program, written in Excel. It can be used by almost any spread- sheet program (Excel, Word, OpenOffice, etc.). Setting it up is a snap, and it takes less than half an hour a month to maintain it and see how you're doing. (And-did we mention?-it's free!).
Budget and track expenses: PearBudget

Calculate retirement cash flow

See cash flow projections for your retirement years. See estate plan results. Plan your retirement spending for sustainable portfolio withdrawals. Use the retirement Forecaster. Have an excellent retirement.
Calculate retirement cash flow: Forecaster

Manage personal finances

AceMoney Lite is a freeware personal finance manager. It has all the features of its big brother except multiple accounts management. As AceMoney, AceMoney Lite helps people organize and manage their personal finances quickly and easily. It supports all the features required for home or even small-business accounting needs.
Manage personal finances: AceMoney Lite