Moneydance is considered to be a personal finance manager, but a lot of small business owners like it for its ease-of-use and convenience, such as support for OFX, QFX, or QIF file formats. Most banks and credit unions let you export your account data in at least one of these formats. It is priced very competitively at $29.99.

Moneydance does budgeting, pretty graphs, loan calculator, check printing, online bill payments, and you can schedule recurring payments, or just set up reminders. It does not do invoicing, inventory, costing, or customer accounts, so if you are billing customers or managing inventory, you'll need something else. It supports multiple currencies. Moneydance's reporting is nice, including reports for missing checks, net worth, and account balances.

Moneydance is Java-based, and runs on Linux, Mac OS X, and Windows. It is released under a closed-source license. A developer's kit is provided for anyone who wishes to write custom extensions for Moneydance.

Those of you who remember the great TurboTax spyware scandal might be amused by Moneydance's promise that "Unlike some other applications, Moneydance does not install third party software on your computer to monitor or restrict your activities."

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