"There are numerous personal finance software packages on the market, so we tested six of them to find which were the best paid-for and free ones."

The best value-for-money program was Banktree (RRP £24.50). Our experts found it extremely user friendly with a clear and attractive layout.

"A very good all-round package - and one of the cheapest as well. It's very easy to navigate and has all the main attributes you would look for in a package."

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