Download Microsoft Money 2005 for free

ms-money-2005-02-homepage

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 14.0.120.1105); 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.

Categories

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 and withdrawn a total of £150 from cash machines (including supermarket cashback facilities).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

Upgrade

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.

Conclusion

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:

98 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.

    • 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!!!

    • @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.

    • 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,
    Maureen

  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.

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