Although Moneydance has been around for more than ten years, it is definitely not a program that will help you revolutionize your finances. In fact, if you are look for a personal budgeting program, you would be much better off sticking with newer, and better, programs such as Mint.com, YNAB, or Mvelopes. I read a Moneydance review and found that many other users have been similarly frustrated with this personal finance software. For the most part, people find it hard to use and even those who do use it find that it has limited functionality when it comes to budgeting and planning for the future.