Download Microsoft Money 2005 for free


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 and withdrawn a total of £150 from cash machines (including supermarket cashback facilities).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.

124 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.

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