Download Microsoft Money 2005 for free



Some users have posted saying that Microsoft Money 2005 doesn’t work with Windows 10 build 10240. It throws an error saying that “Money required Internet Explorer 6 to function properly. Please reinstall Internet Explorer 6 so these components can be added”.

There is a workaround for getting Microsoft Money 2005 to work with Windows 10. I’ve not tried it yet, but you can find out about it here:

It involves a registry change.

I’ve been using Microsoft Money to manage my personal finances (such as they are) since about 1996. Today I upgraded to the last version that was produced for the UK by Microsoft: Microsoft Money 2005 (version; in contrast the US edition went on until version 17.

I used the 16-bit Microsoft Money version 3.0 for Windows 3.1 for about seven years, until I upgraded to Windows XP in 2003. I then moved to Money 2004 and had all but given up hope that I could obtain the last localised UK edition (2005) until I discovered this afternoon that Microsoft now make it available for free download (see below for links).

Import RBS transactions

I’m a Royal Bank of Scotland (RBS) customer and they still make all my statements available for download in Microsoft Money format (.ofx) which I can then import and track, which is really helpful.

Bills and deposits

I’ve set up in Money all my regular bills and deposits (e.g. mortgage payment, direct debits, salary) and so I can see what bills are still to go out, and when I’m next due to be paid. It really keeps me on top of all our accounts; we currently have about 11 accounts including credit cards and the boys’ Rainbow Savings accounts.


One of the most useful functions I find is the ability to categorise payments and deposits which is great for setting a budget, and tracking just exactly where our money has gone.

This month, for example, I can see that we’ve spent £242.34 on food, £253.76 on fuel (!!) and withdrawn a total of £150 from cash machines (including supermarket cashback facilities).

I found the reports a little buggy in Money 2004, in 2005 they are much improved.


The upgrade I found painless. I backed-up my Money 2004 (.mny) file, uninstalled Money 2004 and installed Money 2005 its the default location. On the first run I opened my existing Money file which 2005 ably and promptly upgraded and I was good to go.

The competition

Since Microsoft have halted development I have been tempted to move to another application but to be honest, this does what I need it to, and I can’t really justify the expense or hassle of moving to another, unfamiliar application.

I tried a demo of Accountz. I uninstalled it within a couple of hours. Personal taste: I just didn’t like it. It didn’t feel as polished an application as even Money 3.0. I’m probably doing it a huge disservice, but it just wasn’t for me.

The only other option, really, is Quicken which looks great and there seems to be a version for just about everybody. Obviously, RBS also offer downloads in Quicken format so it could be a viable option. The most basic versions, Quicken Starter Edition 2012 costs US $29.99 (approx. £19.41), next up is Quicken Deluxe 2012 which costs a very reasonable US $59.99 (approx. GPB £38.85) but that’s thirty-eight quid that I don’t have at the moment.


I’m happy with Microsoft Money, I’ve been using for years, I’m familiar with it, I trust it and it really keeps me on top of my finances.

You can download the localised US and UK versions here:

Published by

Gareth J M Saunders

Hi, I'm Gareth J M Saunders, 43 years old, 6' 4", married to Jane, father to twins Reuben and Joshua, and their younger brother Isaac. I'm a priest in the Scottish Episcopal Church and worship at All Saints' Church, St Andrews. I am employed as the web architect at the University of St Andrews.

166 thoughts on “Download Microsoft Money 2005 for free”

  1. Thanks. This was a real life saver as many have already said. I have a valid install disk but was not able to get it to read my money file after install on new PC with Windows 8.1 but now with your file all seems well and of course is running at a hugely faster speed now with my 90mb money file. Migration to an alternative just never seems worth considering or possible and you have helped put off that requirement for maybe another 10 years to when I get my next PC.

  2. Love Money 2005. I knew I was going to have to move to Windows 8.1 so I installed 2005 (replacing Money 98) to my old XP machine and had several weeks of faultless familiarisation. But, I’ve now installed it on my new 8.1 machine and copied my 2005 file over and I have a real problem… after I have entered a few transactions the file gets “rolled back” to the point where I copied it over! I can go in and out of Money several times and the transactions are there, but after 3/5 times they get rolled back. It’s driving me crazy. Anyone come across this? I’ve turned off Back-up, tried entering 1 transaction at a time, not putting withdrawals in at the same time as deposits… gone around in circles basically. I use Money on a daily basis, so I’m having to run it for now, all on it’s lonesome, on the old machine but I can’t do that forever.

    1. I’ve certainly not come across this; I’m running it on Windows 8, however (I’ve not attempted the upgrade to 8.1 yet after the last few attempts failed).

      So you upgraded your Money 98 (.MNY) data file to 2005, then opened it in Money 2005, make some changes but it gets rolled back to the state it was when you upgraded it from Money 98, is that correct?

      Where does the file get rolled back from?! Is it from an internal version control, perhaps?

      Have you tried the upgrade again of your Money 98 file?

  3. You have saved my life! I used Money 2002 for so long, it never occurred to me to upgrade as I was happy with the basic programme – and then I lost the disc. I’ve downloaded 2005 UK and all is well, both on my laptop and desktop. Thank you!!!

    1. @Steviephee — I guess it depends on the bank. Automatic downloads are no longer available from Money 2005 (since Microsoft removed Microsoft Passport). I’m with the Royal Bank of Scotland and I can manually download something like 7 years’ worth of data. Ask your bank for details, I guess.

  4. have downloaded the link ok but when I try to open it, it is asking for a password and will not accept anything I try. is there a specific password to get into this programme.

    1. Hi Richard, I’ve not come across that before. I’ve just downloaded the UK version again and run the installer and it ran without prompting for a password. Is that the version you were trying to install?

      Perhaps you could download it again?

  5. Thank you so much for this help. I have just upgraded my PC’s Windows version from XP Home Edition to Windows 7 Home Premium 64 bit. I installed my old copy of Microsoft Money from the original installation disc. It says “Microsoft Money Standard” on the box with the copyright saying 2004. I assume that means it is Microsoft Money 2004.

    I had a terrible time trying to access the Money files I had saved from the previous XP installation. I kept getting a message saying the Money was not able to open the find the file I had just pointed to. I followed the advice on Microsoft’s forum saying I should install the Sunset version you refer to above, but it said it couldn’t open my Money files because they were created with an older version.

    But, the Money 2005 version that you link to above works just fine. I am so relieved as I have 10 years worth of financial transactions and investment history that I thought I had lost for good. Thank you again for posting this helpful advice.

  6. Hi Graham. Thank you very much indeed for posting this. I’ve not found anything to replace MS Money and I was afraid that moving to my new PC would cause endless problems. The transition has been seamless, my old file converted with no problems at all, and I am now up and running on something mush faster than before. Again my grateful thanks.

  7. Hello Revd Gareth, I like the look of your site, it’s very clear. I wonder if you can help me.
    I have a cd with my money data on it. I made the cd some time ago and can’t find the disc with the programme on it. Now microsoft don’t support it any more. I actually knew this but didn’t take any action.
    Now I can’t open the data on the cd. Oh and I’ve also changed laptops in the meantime, the old one crashed out.
    I’ve tried downloading the programme as advised and it’s now on my hard drive. My problem is I can’t open the cd. it just keeps sending me round in circles.
    I’m not very computer savvy. I’ve been out of the workplace for nearly ten years now so don’t have helpful colleagues to refer to.
    Do you have any simple advice that can help me get back to these old records?
    Many thanks in anticipation,

  8. Thank you so much for the link to the 2005 UK version! I thought I was going to have to keep my old dying XP PC going for ever. Just got Windows 8.1 PC today and have finally managed to get my Money files to open in the newly downloaded application. I tried the deluxe Sunset version first but it didn’t work.
    Regarding the password problem mentioned by Richard (above), I got the same problem. I managed to overcome it by clicking on File, New Account and that let me in and allowed me to set that I didn’t want a password.

  9. Hello Gareth. Like you I have used MS Money on my PC for many years and am very satisfied with it. I am now considering changing over to Mac. Do you know if MS Money 2005 can be installed on a Mac and whether I would be able to transfer all my existing PC files/data ? I have to say I know very little about Mac but some friends have been saying that it is far superior to a PC. We now have an iPad and am considering an iPhone and know that they all talk to each other, so I can see some advantages for making a change – apart from the initial cost ! I would welcome any advice.

    Thanks, Philip

      1. Hi Gareth.
        Thanks for that. I will have a look to see what they say. If I do eventually make the plunge to Mac, I will let you know how it goes.

        1. Hi Philip, no problem. Yeah, I’d be interested to know. The Windows vs Mac debate is an interesting one. I think there’s more flexibility with Windows PC hardware, which can cause problems — Apple seems to lock down its hardware a lot more which obviously makes it easier to write software for, which can make them appear more stable. At the end of the day they are both computers and are subject to problems. I have lots of friends with Macs which have problems every now and then, and work near our IT Services department who’ve probably seen every MacBook in the place! For me Windows 8 is the most stable and fastest version of Windows yet — I’m really happy with it. I can’t remember the last time I shouted at my PC, saying “I JUST WANT IT TO WORK!” as I used to with Windows XP, for instance.

  10. Hi Gareth,

    I would just like to add my vote of thanks for your blog and your links to Money 2005.

    After my hard disk died I had many of the above issues trying to find a way to access my Money files – I think I have a copy of the Money ’95 s/w in a drawer somewhere but I have not been able to find it. So this was a great relief.

    Thanks again.

  11. What a life saver. Been using Money for 10 years, possibly more, I dread to think that far back. Got the data backed up but couldn’t find the program anywhere. Sunset wouldn’t import our Money file – this worked a treat.
    Thank you very much.

  12. Hello Gareth

    I could not agree more with all the other comments. The commercially available stuff is shoddy compared to MS Money.

    As an expert, may I ask you a question. I know my way round MS Money2005 pretty well, but what I cannot see how to do is to clean up old investment names shown in the dropdown list, old equity ISAs, for instance. They are a nuisance now. I do not have any manual for the 2005 version.

    Many thanks, Tony

    1. Hi Tony, sorry for my delay in replying.

      I’m no Microsoft Money expert, just a keen user. As such I’m not entirely sure what you mean by investment names—are these account names?

      If they are set up like accounts then you can remove them via:

      1. Tools > Settings
      2. Account settings
      3. Click the button ‘Close or Reopen Accounts
      4. Mark the accounts you’ve closed. Closed accounts don’t appear in active account lists, but Money does keep the records for your future reference.

      Does that fix it for you?

  13. You have saved my life as well! Couldn’t download Money 2004 onto my new laptop with Windows 8.1 and was a bit desperate. Thanks to your download all is working perfectly with Money 2005.

  14. Thanks for the info on Money . For info, I had been using the UK QFE2 version fine but have just tried out the US sunset edition as there were a couple of issues I was having with error messages and it seems to work OK. The US sunset edition imported my UK money file that I had been using in QFE2 fine and all the info seems to be correct including bills, budget etc.

  15. We are all so grateful to Gareth!
    I really don’t understand why Microsoft abandoned this software. There is nothing else that serves this function and I cannot imagine how I would run my life without it.
    It is the main reason that I don’t dare change to an Apple computer.
    Fingers crossed it will run with Windows 10.


    1. I have been using Microsoft Money ever since I received my first ever PC with a software package that included Money way back in 1998. I have upgraded to Money 2005 and have even paid and tried other software that does not do what Microsoft Money does! I have done numerous upgrades to my computers in the last 10 years and Money still works. I treat it like Gold!

    2. Hi, I did a quick test on the 32 bit Windows 10 preview and Money Sunset Deluxe (As I posted above, I use this version now as opposed to the UK QFE2 one) seemed to work OK. I didn’t give it a full test tho, but it seemed OK.

    1. Yeah, auto-updating stopped when Microsoft withdrew Microsoft Passport support for Money in 2007 or 2008.

      I did like the fact that it could automatically connect to my bank’s online services and automatically download my latest statements. Thankfully my bank still offers manual downloads of my account data in Money format.

      I don’t have any shares, and my wife has only a handful (perhaps fewer than 20) so I’ve never required that functionality.

      Interesting that you say you’ve tried other applications but they don’t match the quality of Money—that’s my experience too.

  16. Gareth
    I would like to thank you so much.
    My partner has been using MS Money since 2005 and a few days ago his computer crashed and he reinstalled Money 2005 and couldn’t open his accounts.
    I have just downloaded Money from your link and can now open it.
    He is over the moon as it is the end of the financial year and he would have had to start again!!!
    Again, many thanks.

  17. Hi Gareth
    I have been using MM 2004 v.12.0.120 for years. Now have new W8 laptop and have loaded the UK version you recommend. When I look for my uk bank it says no list available. How do I get it to recognise my bank please.

  18. Gareth.
    I also chanced upon your site and would like to add my thanks to those expressed above. Money 5 now downloaded, and working just fine on Windows 7 Professional 32bit. I can now retire my 25 year old tower running windows 98SE and sleep easy!

  19. Gareth

    Many thanks. Your site and upgrade link saved my sanity.

    In order to run Windows programs on my iMac (large screen for 70+ year old failing eyesight) I run Oracle Virtualbox to host Windows XP Professional.

    Having used MS Money2004 on XP Professional (Evesham machine) and then upgrading to Windows 7 (Sony laptop) I used the original MS Money CD to load the program on the iMac. No problem – until I tried to load a money file. No chance! It took a while to work out I needed to upgrade to Money 2005. The link you gave worked well!

    I’ve seen some queries re. small font size used in MS money. I got round this in XP by increasing d.p.i.
    (control panel, display, settings, advanced)

    Thanks again.

  20. Thank you so much for this. I have just upgraded to a new laptop and really wanted to keep all my financial information from my old version of Money. I also had the problem with being asked for a password but somehow (not too sure how!) I managed to work around it. It now works perfectly. Thank you

  21. Hi Gareth,

    Like most of most your thankful correspondents, I too would like to express my gratitude to you for the opportunity to download Money 2005. I’ve using Money since 1998 and 2002 was the last upgrade I had. It still works beautifully and the upgrade to 2005 is the icing on the cake!
    Why Microsoft ditched it and why no software company took it on defeats me!
    Many thanks.

  22. Another grateful customer ! As a dedicated user of Money for more than 15 years, I thought I was doing the right thing by updating whenever possible. My copy of Money 2005, probably bought in 2004, is version However, sometime after Microsoft stopped supporting Money, they provided a free online update to I installed the update, but unfortunately didn’t download the setup file. A computer failure a few weeks ago left me with a data file that couldn’t be read by the only installable version of a Money 2005 I had. Your downloadable version, the same one I was running, has come to the rescue. I’ll be taking a backup copy of the setup this time ! Many, many thanks !

  23. Very many thanks. In common with most of the other comments above, it is great to have found a link to a UK version of Microsoft Money. Having used it for many years and recently upgraded my laptop, I tried various downloads, but they were all the US version which will not open Money files saved in the UK version. I used your link to download the 2005 UK version and bingo! Fabulous. As an aside, how great that you are from St Andrews. One of my favourite places in the UK and home town of my good lady wife. Cheers.

    1. Unfortunately this doesn’t seem to work in Windows 10. You get the following message ” Money requires Internet Explorer 6 to function properly. Please reinstall Internet Explorer 6 so these components can be added.”

      Anyone out there know of a workaround for this?

  24. Gareth,
    Many thanks for your posts (and Google for finding you).
    I’ve been using Money 2001 for many years including on Windows 7. It’s been a stressful few hours trying to access all my Money data now my computer’s upgraded to Windows 10.
    After doing some internet research I first decided to downloaded Microsoft Money Deluxe Sunset, but this needed the registry edit as posted above – it was saying I needed IE6 for it to work. It then wouldn’t convert my Money 2001 file as it was not supported (too old).
    Further research suggested Money 2005 as a ‘bridge’ in converting My Money file formats. It downloaded and ran fine, but then said my old files were in an incompatible format. Support pages suggested I may be using different regional settings.
    Thankfully following your link and downloading the UK version of Money 2005 – everything is working fine and I will be able to sleep tonight.
    I’m now in two minds on whether or not to try the Money Deluxe Sunset version again, but I suspect I won’t risk any more angst.
    Many thanks,

  25. Thanks and well done for sharing this info. I have been using MM 97 (!) and with back-entered data such as life policies and mortgages etc I have more than 35 years of financial data on it. I too had trialled a few other programs but didn’t find them as useful as MM.
    I had been unable to upgrade MM97 to any of the more recent US-based versions or the Sunset version. It was the main reason why I got Win7 Pro, so I could use its virtual XP mode.

    I have tested MM2005 out now, and apart from the obvious long-dead online links and some ugly screen navigation, the only significant problem I encountered was that it brought over my sales ledger as an asset. No big deal, I only very rarely use it.

    So this means I can consider upgrading to Win10 at some point. Thanks again.

  26. The story so far:
    The original Money 2005 CD, once installed, automatically downloaded a “patch” from Microsoft that changed the format of the .mny data file.
    Once Microsoft withdrew support for it in January 2011, that patch was removed from their servers so any clean-install, irrespective of operating system, would fail to read the data file.
    I, along with loads of other users (Gareth, you may have been one of them), kicked up a storm and, after about 6 months, Microsoft released a downloadable patch! This UK download IS that patch.
    What I DIDN’T know, however, is that it works “on its own”. Until recently I’ve been installing from the CD and then running this “patch”; that’s what the original instructions said to do!
    What a waste of my time for the last 4 years :-)
    I can also vouch for the registry hack to get it up-and-running with Windows 10.
    Keep up the great work Gareth.

  27. I was tearing out my hair after installing Windows 10 and trying to get Money Plus to cooperate. Many thanks for making the 2005 download available. Problem solved and I am able to download bank statements once again. If it helps anyone else there are some really useful guides here at

  28. Thank you for the UK download link! I reckon you’re nicely tapping the real current user base migration from XP to Windows 7 (and beyond!). Microsoft please take note – we still care and still use it.

  29. Do you know if this version of Money will run on the Chrome OS used in Chrome books? I am finally getting round to changing my PC after 8 years and I use an Android phone. Like you I really rely on MS Money for my finances and had hoped I could finally move away from Windows based machines and their relatively high cost. The comment above re Windows 10 gives me further cause for concern.

  30. Thanks for the info Gareth and all other contributors to this thread.
    Like others, I have updated to Windows 10 and found that my best financial mate aka MS Money 2004 is not compatible.

    I am not all that technical minded to feel confident about the log registry changes but I am a little confused…….. Do I just download MS Money 2005 to overcome the problem or do I also have to change the registry after the installation of MS Money 2005.

    Thanks for any advice.

      1. I totally concur with Anthony and as a 77 year old computer illiterate technophobe who managed to download Windows 10, and MS Money 5 and then successfully make the recommended Registry changes to get them both working in tandem, I would tell Neil not to give up and as Anthony says, take your time, work through the instructions a step at a time and you will soon have it all up and running. The only minor problem I had was that the dates in Money initially appeared in USA format and as a Brit this was rather confusing. However, I found that the problem was with Windows 10, not MS Money and I did eventually managed to change it to my preferred format without too much difficulty.

        Many thanks to Gareth for helping to keep us all up and running in MS Money. I cannot remember how many years I have been using it and there is no way I would want to change to any other personal financial management program now.

    1. Hi Gareth, just to let you all know that Microsoft seem to have solved the problem and now the UK version of my MS Money 2004 is fully working with Windows 10 without any fiddling with the registry.



  31. Like many others I have found this site very useful. With it I was able to get Money 1105 running on a Windows vista 32 bit machine, a windows 7 64 bit machine and a windows 7 32 bit machine and data files produced by any of the machines worked on any of them.

    Now the Windows 7 32 bit machine has been upgraded to Windows 10 and I have also got a Windows 8.1 which I intend to upgrade to Windows 10.

    My immediate problem is that data files generated on the window 8.1 machine locks up the vista machine. When the program is forcibly stopped with taskmanager, Money no longer opens any Money file until the machine is closed down and restarted when it then can read the usual files (but not that from the windows 8.1 machine).

    I really don’t understand Money! It would appear that Money 1105 produces different file formats on different operating systems. And I don’t know what to do next and no doubt it will get even worse when I upgrade to windows 10 (though I am probably only going to upgrade the vista machine to 7).

      1. David

        Thanks … that’s fantastic! I’ve suggested to Dan Gaier that he takes on and develops MM!

        Your response has also shown the value of this website to all MM users.

  32. Gareth
    Came across your blog via a google search. Like so many others, it seems, you’ve saved my bacon. A couple of weeks ago my machine running Windows 8.1 went into meltdown. Spent ages restoring everything, but the most important one, MS Money, had me stumped. The MS so-called sunset version was no good – wouldn’t recognise my data files. Followed the link you provided, and eventually managed to get all my data back up and running as it was the day before meltdown.
    I’m just so relieved, I could have kissed the dog.
    Thank you so so much.
    BTW, it seems if I “upgrade” to Windows 10 I’m going to get problems again. Does it ever end??
    Again, big big thank you.

  33. Hi Gareth, Like many others I have used msmoney for many years. (money 2000).
    I downloaded money 2005 uk, after upgrading to windows 10, but get an error message when trying to install, –Autorun.inf is missing or corupt.
    Where am I going wrong, please???
    Thanks for a great site.

  34. Just started using money 2005 but would like to read the instruction book but have not been able to find a copy, any suggestions where i might be able to obtain one.

  35. Me again, for some reason when I hit the planning or my money keys on the my pc goes to ms homepage on the web, why is this, also I can not find the calander page.

    Not sure if this is best place for asking these questions so if there is a more suitable place please advise me.


  36. Hi Gareth. I agree with all that you say and since upgrading to Windows 10 and then reverting to 8.1 I’ve experienced many of the problems described above.
    Amongst other issues, everyday I have problems saying that my file is corrupt and the after closing and trying to open back-up files it says that I did not close down correctly and refuses to open again.
    Of course I have several back-up files so I can keep going. The most common error message is ‘mbfAD56.tmp’
    I’ve reinstalled Money 2005 from your link and tried different computers but with limited success. Have you experience of this?
    I really appreciate how much of your time this must cost you as I’ve spent many days over the last month just on my problem! Many thanks,

  37. Hi there, I’m hoping you can help. I had MS Money 2001 on a desktop that has just died. I’ve got backup files on floppy disks (yes, it was that old a desktop!!) and having download the MS Money 2005 here onto my laptop find that the files won’t upload and I get an error message. It could be a problem with the floppy disks formatting I realise but I was wondering if trying to backup 2001 version of Money .mny files may not work on Money 2005. I’ve been unable to find the original MS Works suite disk the Money 2001 was on – I’m thinking that maybe having that and installing the original programme is what I need to do or is it the case that, in theory, my backup floppy disks should be able to be used to restore files in Money 2005? Do you have any thoughts on that at all, please. Many thanks. dawn

    1. I’m sorry I don’t have enough experience with Microsoft Money 2001 to know whether its files should open in Money 2005. I used to have a CD with Money 2001 on it but I appear to have jettisoned it in my last purge of software I no longer use, otherwise I would have happily sent it to you.

      Could you find a copy of Microsoft Money 2001 on eBay, for example?

  38. I must thank you very much for your website and your help with Microsoft money.
    No one seemed to have answers and so many who claimed to have answers did not.
    I can only say thanks again. I have not been closely into the other areas of your website but if I can find a way to make a contribution I will most certainly use.

  39. Hi,
    Like your other contributors, I have been using money many years. I downloaded money 2005 from your site when I used windows 8.1, and got it up and running fine. When I changed to Windows 10 at the beginning of August, I got the same message that I needed Internet explorer 6 to make it work. I went on holiday, came back later in August, and Hey Presto, Money was working again. (Did Microsoft tweek something?) My small problem at the moment is that I automatically back up money to an SD card, but if I try to use that back up it tells me that money can’t open this file because it was created using a different version of Money. Whats that all about then??

  40. Hello Gareth
    I see that quite a few people have upgraded to Windows 10 now. I’m still on 7 and would like to upgrade, but I know that I always have problems with applications such as Money 2005. Could you please reassure me and point out what I need to look out for.
    Thank you
    Rob a 62 year old who has limited knowledge of IT.

    1. I have recently upgraded to Windows 10 and had some concerns about the process based on the comments so far. However, it worked smoothly for me without having to make any registry changes or other tweaks.

    2. Hey! It’s a computer, I’m not sure I can make any guarantee that would reassure you enough. Suffice to say that I’ve upgraded a few PCs now from Windows 7 to Windows 8, and from Windows 8 to 8.1, and 8.1 to 10, and each time the process has either been smooth or it rolled back neatly after a fail — then I waited a few weeks, tried again and it went through without a hitch.

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