SEE Finance
SEE Finance 0.9.15.0
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(61) 4.213114754098361

Comprehensive personal finance manager.   Demo ($39.99)
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SEE Finance is a comprehensive personal finance manager. SEE Finance allows you to track and monitor all your income and expenses, while also downloading account information directly from hundreds of financial institutions and importing data from thousands of others. You can keep track of all your financial accounts including banking, credit card, loan, asset, liability, income and investment accounts and you can track and monitor individual investments.

Other features include:
  • Scheduled Reoccurring Transactions
  • Import OFX,
What's New
Version 0.9.15.0:
  • Various adjustments and bug fixes.
Requirements
Intel/PPC, OS X 10.5 or later



MacUpdate - SEE Finance




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SEE Finance User Discussion (Write a Review)
ver. 0.x:
(61)
Your rating: Now say why...
Overall:
(61)

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Polekat reviewed on 28 Feb 2014
I recently bought the program. I have had it import several years of information for my checking account, investment accounts and one of my credit cards. It was accomplished easily and correctly. I have always found the web site to be available when I tried to access it. I have had questions a few times and support usually answered on the same day or the next day. A question I had on one weekend was answered on the following Monday. I admit I do not use printed checks, so that is not an issue for me. There are things that I had to learn to use the program, but this did not take long. I have not had a crash or error in the few weeks I have been using it. There seems to be lots of things to customize in the program, but I'm happy the default setting for now.

I find the program to be worth every cent I paid.
[Version 0.9.15.0]


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Yaya7xs reviewed on 23 Feb 2014
I agree with everything Bowlerboy said. I would not recommend this software.
[Version 0.9.15.0]


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+63

Bowlerboy_jmb reviewed on 04 Dec 2013
I am in the process of transitioning from Quicken 2005 for the Mac, which has served me well, except that I can only run it up through Leopard. Ideally, I want a product that works both on my Leopard partitions, as well as on my Mountain Lion partition, and soon on my Mavericks volume on an external Firewire disk. I'd like to be able to access one database, stored probably in a DropBox folder, from any of my Mac volumes, as well as from an iPad and/or iPhone.

In my research for the right product, I read the comments by MacUpdate reviewers several pages deep in several contending programs for top financial app in the Mac world, including: SEE Finance, Money, MoneyBag, MoneyWiz, MoneyWell, iBank, CheckBook Pro, and, of course, Quicken 2007 (Lion), as well as Quicken Essentials. Very few of these products qualify to meet all of desired objectives, so I have to see which one(s) come closest to doing the job right.

I really wanted to love this software, but I'm afraid I can't. There are some deal breakers which flaw an otherwise nice product and make it not yet ready for prime time. I spent over 18 hours yesterday, burning the midnight oil, as I imported QIF files from my Quicken database and my bank and credit card accounts. I would judge SEE Finance to be excellent in importing data fast and accurately.

I was not very impressed with this application's rather strange approach to "reconciling" accounts. Unlike Quicken for the Mac 2005, which gives you a window in which you deal with four pieces of data: the beginning and ending dates and their corresponding balances, followed by the transactions which occurred during that time frame, which you then proceed to check off in Quicken against your bank statement, in order to be rewarded with a "Congratulations!" window when everything is reconciled, SEE Finance makes the whole process more complicated than it need be and gives you balances based on the TOTAL balance of all your items in the register, together with an indication of how far off you are from matching up with your bank. Weird!

That took some getting used to, but it isn't the show stopper for me. The show-stopper for me is the fact that this is a financial management software program which cannot print checks! I just cannot fathom why a developer would fail to include the capability to print checks in a program that has a checkbook register. What am I supposed to do? Write out all the checks by hand? How tedious! How boring! How filled with the potential to make mistakes transcribing data that is already perfectly entered in a checkbook register!

On top of that, unfortunately the developer's web server is out of service more often, and for longer periods of time, than I am willing to tolerate. Since there is no user manual, the only HELP which is provided occurs at the developer's website, where he maintains an unstructured, reference-style guide that has no search feature built into it. You have to read the whole thing to know where the material you need is located and them remember where it was, because you can't key-word search for it later.

Taken altogether, I happen to find such design flaws to be fundamental errors that are not customer friendly. I would hope that the developer can address all these matters in the future, for they are not insurmountable problems. But I cannot wait around until he does so.

By the way, one of the most useful pieces of information I eventually unearthed in my online research for a Quicken replacement turned out to be a table comparing the "top 10" contenders in the Mac finance software category. The table, nicely gridded out, lists the features one might want in such a program, and it shows which programs have those features and which do not. If I knew ahead of time that SEE Finance could not print checks, which is pointed out in this table, I would not have bothered to test it out. Reviewers here are helpful, but only minimally so, because no one here rarely, if ever, provides such an in-depth comparative analysis as you can find at this page:

http://personal-finance-software-review.toptenreviews.com/mac-personal-finance-software/
[Version 0.9.14.13]

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Rezstudios replied on 06 Dec 2013
Valid points, for the most part. I have never experienced a time when I tried to access the developer's website when it was down, so I can't agree that that is a problem. I do think it would be trivial for the developer to create a search capability for the support documents on his site and agree it is quite odd that that is not yet in place. A user forum would also be useful as users familiar with the workings of the program could surely help to explain how certain things, like the reconcile feature, function. And the developer could also glean some insight on what areas of the program could use some adjustments for ease of use, etc. Having said that, the reconcile function does work fine, although it is a bit different than Quicken. In SEE Finance you usually view imported data from your financial institutions on the top of a split pane and compare that to the recorded information in the lower pane. I usually check off the items in the top while comparing to my paper, email and PDF receipts and then copy those checked items to the lower pane for reconciliation. Works fine for me, but yes, not as straight forward as Quicken was. As for printing checks... that is a good point. I could see where some people might need that function. Personally, I write very few checks nowadays... like maybe one a month, so I never missed such a feature... but I can understand that it would be important to some. Credit cards, Electronic Transfers, etc. have replaced paper checks for the most part in my life.
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D9 replied on 04 Feb 2014
I appreciate the link to the Top 12 Mac Finance Software web article, Bowlerboy_jmb. That's a great side-by-side comparison showing the value of each with the major features required.

However, I'm a bit puzzled as to why an in-depth study such as this has excluded probably the most popular Mac Quicken alternative, iBank. I can think of Jumsoft Money, MoneyWiz and Checkbook Pro as other alternatives that could be excluded, but iBank certainly seems to be a major option this article has overlooked. I don't even like iBank but I'd like to see how it is evaluated by others.
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+218
Jimw commented on 01 Nov 2013
Looks good, but still has a showstopper for me. No on-line bill pay built into then the program.
[Version 0.9.14.13]

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Rezstudios replied on 22 Nov 2013
Just curious... what are you using Bill Pay for? I have never had the need. All my bills are either automatically deducted from my checking account, billed to my visa or paid via app with no additional fees or charges. My bank has a Bill Payer service, but I have never found a use for it.
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Jimw replied on 22 Nov 2013
Built in Bill Pay in program gives me full control over who gets paid. when they get it, and how much they get. It minimizes problems in case of billing errors, and allows me to fully control my account with less risk of hacking or identity theft. It also allows me to change banks or credit cards, such as lost cards, or hacked information without notifying all the payee's of these changes.

If you are using automatic payments for all of your bills you have a lot more faith and trust in your payee's than I do. I just hope your trust is not taken advantage of, or misused.
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Rezstudios replied on 22 Nov 2013
I always check the amounts being billed and reconcile the invoiced amounts with the amounts paid to payees, so I haven't had any issues with being taken advantage of. (This is precisely why I use SEE Finance, to track all income and expenses.) The few times when an amount was in dispute as stated on a bill, I always called or emailed before any amounts were withdrawn and had the billed amount corrected... so I have never had any issues where Bill Payer would have made a difference. I guess my cell phone bill is the one that has been wrong the most / that I trust least, and for that one I pay via an app, which is like using Bill Payer, I suppose, since no money is automatically withdrawn. But I guess it all depends upon what businesses and utilities you are dealing with.
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Franko reviewed on 14 May 2013
With this latest update the guys have offered a workaround Yahoo's half-a$$ed issue of listing latest prices for Mutual Funds under History. SF gets better and better and won't be long before it becomes *the* goto app for personal finances.
[Version 0.9.14.8]


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craigharl reviewed on 14 Apr 2013
Having been a contented user of Microsoft Money on the Windows Platform my search for a suitable replacement on the Mac platform meant that I have tried just about every personal finance MAC solution. My first criteria was a perfect, simple import of my accounts - I don't need Billpay being a UK User. The only solution that satisfied me was IBank which I used for several years. However, I tried Seefinance out a few months ago and haven't looked back. The import from Ibank was perfect on all Accounts. It is far quicker than IBank and far more stable. I have also had excellent support from the developer. I swapped over after a month or so, and haven't looked back once.
[Version 0.9.14.7]


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Rezstudios reviewed on 29 Mar 2013
Just updating my review... I've been using this for well over a year now and can honestly say this is the best financial app I've used. If you are still trying to get by with Quicken, dump it and make the jump to SEE Finance. The reconcile interface is not as immediately intuitive as that of Quicken, but everything is by far much better, especially the stability and support of the app.

I'm not sure why people are rating this lower for not having Bill Payer... why not just use automated payments (most utilities allow automated payments via an on-file credit card or linked checking account, which also prevents late-payments) or Bill Payer from your bank's website? I've never had the need for Bill Payer and don't quite understand why one would want it.

And while an iOS version would be nice, I'm more than happy that the developer is concentrating his efforts on making the Mac version as feature rich and stable as possible before getting distracted with an iOS version. Aside from possibly entering a few receipts and such on my iPhone, 99.9% of my accounting would still be done on my Mac. Why not just use Genius Scan on the iPhone and email yourself any receipts to be entered in SEE Finance on your Mac at a later date? (Or just keep your paper receipts.)

I suppose the only feature missing for me is better stock graphs... I'd like to double click on a stock and get a graph of the stock price over a selectable time period with little red and green arrows showing my Sells and Buys (and a Splits indicator) --- and then show a line of my average cost basis--- that way I can easily see if I should sell or buy based on current price and my past transactions.
[Version 0.9.14.7]

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Amcarter3 replied on 10 May 2013
I mostly agree with you and Craigharl that See Finance is a step above all other Mac-based personal finance programs. It has huge potential.

However... they know many of us have been waiting for many years for Ver 1.0. I currently use iBank, but would switch in a flash IF and WHEN they release Ver 1.0. Why? Because, as good as this beta version is, there are still many issues that they acknowledge and plan to fix in Ver 1.0. Here's why I'm holding off:

On Jul 6, 2012, at 7:38 AM, See Finance wrote:
The general list of feature changes planned for in version 1.0 is rather large and really encompasses most aspects of the program. The following is a short list:

• Revised account reconciliation
• Option to force link transfer transactions
• Revised reports and budgets
• Inline transaction entry
• Easier investment transaction entry
• Improved investment tracking
• Improved recurring transactions
• Improved downloading/importing
• Companion iOS app syncing

I suggest that anyone interested in See Finance VER 1.0, send them a message encouraging them to 'GET'ER DONE"!
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Rezstudios replied on 25 Oct 2013
@Amcarter3...
Waiting for a "Ver. 1.0" is plain silly. That Version number means very little relative to other software offerings. It is just a label. This "beta" of SEE Finance that I have been using for the past couple of years is FAR more stable and usable than any version of Quicken for Mac.

As far as that list you are waiting for for Ver. 1, most are already done and many are just standard mentions of improvements which are standard changes in almost any software update. SEE Finance could be listed at Ver. 5.0 by now if held to the same lower standard of any other software developer. That the developer has chosen to leave the enumeration as a beta is the developer's choice, but it does not detract from the fitness or usability of this particular product from my actual user's standpoint.

I normally steer well clear of beta versions of any software, but in this case, I have found the software to be extremely stable, usable and error free. I am more than happy that the developer takes his time to ensure that even these pre-version-1 releases are stable, robust and usable. I truly hope he ignores your request to "Get 'er done" and just continues his steady improvements and strict quality control. Your request sounds like you are in favor of the ridiculous version numbering of software such as Mozilla's Firefox which releases a full-point update almost monthly with no substantiative improvement to quality, features or stability of the product. "A rose by any other name would smell as sweet...and poop stinks just as bad."
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Amcarter3 replied on 27 Oct 2013
I maintain my assessment of See Finance. Until the changes that the developer indicated would NOT be done until Ver 1 is finally released, I will not use it. In the meantime, this app is rapidly losing ground on iBank. I've been using iBank for 3 years and am very happy with it.
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Rezstudios replied on 27 Oct 2013
I tried iBank a few times. I really wanted to like iBank since I like its developer and already use another one of his products (iBiz). iBank was originally my first choice when leaving Quicken. Unfortunately, I found iBank buggy and far less robust (it choked on my decades of Quicken data) compared with SEE Finance (which imported all my data and worked with it without a hiccup.) From comments made by other users, I was not the only one who experienced frustration with iBank. I encourage users here to try out both iBank and SEE Finance and choose which works for them.
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Amcarter3 replied on 31 Oct 2013
For those interested, iBank is just about ready to release Version 5. This comes 3 years after Ver 4 was released. Ver 4 has been extremely stable and works very well for all aspects of personal finance management. Ver 5 will be a significant upgrade. (I participated in the Alpha and Beta testing of it).
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Rezstudios replied on 21 Nov 2013
@Amcarter3: Since you use iBank5, what is your opinion of the subscription fees that are levied by iBank to synch and update bank data? Personally, I HATE having to pay ongoing subscriptions for anything. The cost for subscription services always ends up costing the consumers way more than traditional purchase arrangements. It is becoming all too common as a means for greedy developers to milk more profit out of there customers. Microsoft has been leading the charge in this method of ripping-off consumers for several years and it is worrisome that iBank's developers have now headed down that path.
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Amcarter3 replied on 21 Nov 2013
rezstudios... you are mistaken. There are no subscription fees at all for syncing any bank transactions in iBank. The only IGG product that charges subscription fees is the iBank Investments app. That is completely separate from iBank itself.
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Rezstudios replied on 22 Nov 2013
@Amcarter3: Re: iBank not utilizing subscriptions... that's odd. The iBank description touts a new subscription service as part of iBank5; "Direct Access. IGG’s exclusive subscription service for automatically updating transactions in all accounts...." I prefer SEE Finance... it updates all transactions and connects to all my finance institutions without having to pay any additional fees.
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Rezstudios replied on 22 Nov 2013
@Amcarter: I just verified that iBank charges $4.99/month or $39.99/year for their new Direct Access synching subscription service, although it says the subscription service isn't required. It seems a bit confusing... it isn't too clear what functions you will lose if you do not subscribe to the service. My concern is that once introduced, subscription services like these end up becoming a requirement and become more costly over time. (Remember that cable TV began as a paid service that touted the elimination of commercials which paid for the programming... I don't know about you, but on every subscription TV service I've used in the past few years, all of them "double-dip" by generating revenue from commercials AND subscription fees--- heck, they have entire swatches of channels that are nothing BUT commercials now.) Anyway, related comments on this subject are probably best moved to the iBank listing. Amcarter, feel free to enlighten us over there.
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Rezstudios replied on 22 Nov 2013
Just as I suspected... the list of financial institutions that are supported in the free Direct Connect service in iBank 5 is smaller than in SEE finance. So in my case, if I want to be able to easily download and update my account information for my main bank, I would have to pay the additional Direct Access subscription fee to iBank, whereas in SEE Finance it is completely supported and free. That's a big reason for me to prefer SEE Finance to iBank 5. Just think about it logically... what incentive does the developer of iBank have to update and expand support for the free Direct Connect service in iBank if it competes with their subscription based Direct Access service?
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Amcarter3 replied on 25 Nov 2013
Rezstudios, I believe you still misunderstand how iBank works regarding downloading transactions. You do NOT need to pay any subscription fee to download transactions. I suggest you carefully re-read IGG's statements at: http://www.iggsoftware.com/ibank/ofx_info.php

"iBank can download transactions from hundreds of banks that support the OFX protocol (also known as Direct Connect). If your bank doesn't support Direct Connect then you can still easily import your data using Direct Access, a subscription download service offered by IGG Software.

Please note that some financial institutions charge a fee for providing OFX access to your accounts. For those financial institutions that do not currently support the Direct Connect protocol, iBank provides an integrated web browser that simplifies the process of importing transactions from your bank's website."

NET... in iBank, you have a choice. For banks that charge a fee for using OFX protocol, you can pay a subscription fee to IGG to do it for you, OR you download your transactions for FREE using iBank's integrated web browser. I use both Direct Connect and the web browser option. It's not hard and it IS FREE.
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Lectrohowie reviewed on 21 Mar 2013
I just purchased. The developer so impressed me with quick responses to my questions and help setting up Direct Connect with my bank that I was happy to pay the modest asking price. The program is more polished and stable than most any beta I've ever used and is under active development - getting better all the time! Goodbye Quicken!
[Version 0.9.14.7]

1 Reply

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Lectrohowie replied on 21 Mar 2013
BTW - I intended to give it 5 stars across the board but for some reason the web interface I was presented wouldn't allow me to.
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Localboy56 commented on 16 Mar 2013
I will buy this as soon as it hits version 1 and is available through the Mac App Store, whenever that is.
[Version 0.9.14.7]

1 Reply

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Rezstudios replied on 01 Aug 2013
People who are waiting for version 1.0 of SEE Finance before making the jump don't quite understand that version numbers are very relative when comparing software between different developers. Yes, a version number prior to 1.0 can indicate a beta or early release; however, in the case of SEE Finance, I have found the software to be far more capable and far more stable than ANY version of Quicken ever released by Intuit, despite Quicken having been around for decades. Quicken is still one of the buggiest and kludgy pieces of mac software available... and the "Essentials" edition was just an insult to Mac users. If you are still using Quicken, you really should check out SEE Finance asap.
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+218
Jimw commented on 28 Feb 2013
But still no bill pay - a real showstopper for me!
[Version 0.9.14.6]


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Ann George had trouble on 09 Aug 2011
Sadly, first I downloaded Lion. Then I downloaded See Finance. It is asking me to import files from quicken in one of three formats, OFX, QFX or QIF. I am not able to find any files ending in these suffixes.

I am able to find 4111Copy of Quicken data.qdf. on my Lion Laptop. Do I need to go to my backup external hard drive to try to find the other kinds of files?

Please advise... and thank you in advance.
[Version 0.9.13.1]

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SEE-Finance-Support replied on 23 Aug 2011
Actual Quicken data files are in a proprietary format no one outside of Quicken (Intuit Inc) has accessed to.  You will have to open your Quicken file(s) in Quicken and select to export the data into a QIF file which can then be used to import into another program.

If you were using Quicken Mac 2007 or earlier this would require opening your Quicken file in Quicken and then exporting the data into a QIF file using a computer running Mac OS X 10.6 or earlier.

There are a few options if you already have installed Lion:

1)  You can use another computer running Mac OS X 10.6 or earlier to open your file in Quicken and export your data to a QIF file.

2)  If you do not have access to another computer running Mac OS X 10.6 or earlier, you could install Mac OS X 10.6 on an external drive or another partition of your hard drive.  Then you could install Quicken and your data on it in order to export your Quicken data.
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SEE-Finance-Support replied on 23 Aug 2011
We should have also mentioned that if you have any additional questions please contact us directly. We do not always catch support requests on third party sites quickly and contacting us directly will always result in the fastest possible response.

http://www.scimonocesoftware.com/seefinance/support.html

LokeshKumar4620 rated on 14 Apr 2013

[Version 0.9.14.7]



+77

Greedyfranky rated on 30 Apr 2012

[Version 0.9.13.8]



+54

Gary_box rated on 17 Mar 2012

[Version 0.9.13.7]



+37

Vandulus rated on 04 Feb 2012

[Version 0.9.13.5]



Mapleosb rated on 03 Feb 2012

[Version 0.9.13.4]



Jdhooghe rated on 02 Jan 2012

[Version 0.9.13.4]



+4

HappyCurmudgeon rated on 17 Nov 2011

[Version 0.9.13.4]



Podshop rated on 19 Oct 2011

[Version 0.9.13.4]



imppaint rated on 14 Oct 2011

[Version 0.9.13.4]



+2

MadEye29 rated on 27 Sep 2011

[Version 0.9.13.4]


Downloads:31,000
Version Downloads:2,596
Type:Home Personal : Personal Finance
License:Demo
Date:03 Feb 2014
Platform:PPC 32 / Intel 64 / Intel 32 / OS X
Price: $39.99
Overall (Version 0.x):
Features:
Ease of Use:
Value:
Stability:
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SEE Finance is a comprehensive personal finance manager. SEE Finance allows you to track and monitor all your income and expenses, while also downloading account information directly from hundreds of financial institutions and importing data from thousands of others. You can keep track of all your financial accounts including banking, credit card, loan, asset, liability, income and investment accounts and you can track and monitor individual investments.

Other features include:
  • Scheduled Reoccurring Transactions
  • Import OFX, QFX, CSV, and QIF files
  • Export CSV, TXF, and QIF files
  • Transaction Filters
  • Budget Monitoring
  • In-depth Reporting
  • Investment Monitoring
  • Multiple Currency Support


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