Microsoft Money Plus Sunset: Desktop Tool for Basic Budget Tracking
Microsoft Money Plus Sunset is the final free release of Microsoft’s long-running personal finance software. Originally launched as a commercial product, it was reissued in 2010 as a free download after official support ended. The “Sunset” edition includes most of the program’s features — budgeting, reporting, and investment tracking — but with all online services permanently disabled.
Everyday use
In practice, Money Plus Sunset feels like a classic desktop finance suite. Users can set up multiple accounts, schedule payments, and create detailed budgets. Reports are extensive, covering spending patterns, cash flow, and investments. What sets this version apart is its offline-only nature: no bank synchronization, no stock quotes, just the local file under full control. Despite its age, it still runs smoothly on modern Windows systems and retains the familiar interface that many long-time users trust.
Technical profile
| Feature | Details |
| License | Freeware (Sunset edition, 2010) |
| Platforms | Windows |
| Data storage | Local Money file |
| Import formats | QIF, OFX (import only) |
| Export formats | CSV, reports via print/PDF |
| Accounts | Multiple accounts supported |
| Budgets | Category-based budgeting |
| Scheduling | Recurring bills and payments |
| Reports | Detailed reports and charts |
| Investments | Portfolio and stock tracking (manual updates only) |
| Privacy | Fully offline; no online services |
Getting started
The Sunset edition is installed like any other Windows program. Once launched, users create or open a Money file, add accounts, and set categories. Since online updates are no longer supported, data entry and investment prices must be managed manually. Backups are straightforward, as the database is stored in a single local file.
Who usually uses it
This edition is often used by people who relied on Microsoft Money in the past and want to keep their existing data accessible. It also attracts users who prefer a traditional desktop program with detailed reporting but no cloud dependencies.
Why it’s kept around
Money Plus Sunset is still kept around because it preserves a familiar workflow while being completely free. For those who don’t need online integration and prefer a classic desktop tool for household finance, it remains a dependable option even years after its retirement.
