FinanceMaster is a complete personal finance management system. Functions are provided for financial analysis, managing your checkbooks and credit cards, figuring your budget, and keeping track of your financial assets. You can also compute your life insurance needs and instantly prepare your financial statement. On-line features include help screens, a calculator, and a calendar.

This menu contains numerous functions for performing a variety of financial calculations:

Loans/Annuities/Leases/Savings.
Loan Amortization Schedule.
Savings Accumulation Schedule.
Bond/Yield Calculations.
Retirement Planning.
Retirement Inflation Planning.
College Planning.
Investment Analysis.
Rental Properties Analysis.
Refinance Mortgage.
Home Equity Financing.
Buy/Lease/Rent Decision.
Inflator/Deflator.
Fixed vs. Adjustable Mortgages.
Portfolio Optimization.

Allows you to maintain checking accounts and records. You may open, close, and rename accounts. Work with account functions include check writing, remembering frequently written checks, entering account activity (including deposits, funds transfers, fees charged, and interest earned) examining/correcting the check register, reconciling your account balance, printing checks, listing the check register, and maintaining a list of check "Pay to" addresses.

Allows you to maintain a ledger of transactions on your credit cards. You may open, close, and rename credit card accounts. Work with account functions include entering, examining, correcting, and printing various types of credit card transactions.

Allows you to maintain budget categories and target budget amounts for each category. You can allocate checks written and/or credit cards charged to these categories either manually or automatically by defining relationships between expenses and budget categories. Bar graphs, pie charts, and various reports comparing budgeted amounts to actual expenditures and/or income can be produced. Budget menu functions also can help you estimate your tax liability and produce capital gains/losses reports to assist with tax preparation.

Allows you to keep track of your financial assets including financial assets, real estate, automobiles, personal property, loans, etc. Financial assets are separated into ten classes including money funds, bonds, stocks, international holdings, and investment hedges. These category divisions allow an assessment of portfolio diversification for comparison with a computed optimal allocation. Functions are provided for assessing the performance of your financial investments by computing actual interest rates and yields returned. Financial performance can be displayed with graphics plots and bar charts in addition to numerous printable reports.

Among the functions provided in the menu are functions for reforming the data files maintained by FinanceMaster and printing all of the help screens. The time of day clock may also be activated or deactivated here. The budget data can also be reset and restarted. The number of lines per printed page for reports can also be set here.

Andrew

Download FinanceMaster 3.1 here (599,996 bytes).

"financem.zip" is a zip file which will unzip into all the necessary files for FinanceMaster. After unzipping, you may delete the downloaded file to reclaim the disk space. "FM.EXE" requires 425K free memory.

If you decide to keep and use FinanceMaster, I ask that you send a $20 registration fee to: CarTest Software, P.O. Box 4213, Palos Verdes, CA 90274. You may also register on-line using PayPal.