Many users want to install Microsoft Money on Windows 10 and Windows 11, but the process is trickier than you’d imagine. In the UK, the last version of the software was Microsoft Money 2005 – but it still has a loyal user base who want to monitor personal finances. Here’s our guide on how to get some very old software onto the latest versions of Microsoft Windows.
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Which version of Microsoft Money?
- Money Plus Sunset Home and Business is designed to be a replacement for expired versions of Money Plus Home and Business. Note: The Money Plus Sunset versions come with online self-help only.
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We’re going to focus on the UK edition of Microsoft Money from 2005 which is a completely different product from MSN Money (available to download from the Microsoft Store).
Where can I get Microsoft Money from?
If you have a CD or DVD of the original program, these can be used to install the Microsoft Money. Alternatively, it is still possible to download the software online. Microsoft no longer hosts the program, but in a blog post from 2011, they reference a non-Microsoft website which still contains the download link.
Grab the software (it’s only 28MB) and we’ll begin.
How do I install Microsoft Money on Windows 11?
Double click the downloaded file and setup will begin. You will be prompted for a few permission requests, but accept them until the Welcome to Money Setup screen appears.
Click I Accept, then dance around the room to the Microsoft Money installation tune before selecting Finish.
At this point, you may think that the installation has failed, as nothing happens. No message, no desktop icon. Welcome back to 2005!
Click the Start button (or press the Windows key on the keyboard) and Microsoft Money’s icon will be there. Click it to continue the process.
Microsoft will flash up the fantastic news that Microsoft Money includes up to two years of internet-based services… which expired on the 1st September 2007. Trust me – they were the best! Click OK.
Microsoft Money will now make you more promises about tracking your finances via the internet, but non of these are applicable any longer. Microsoft Money is now a manual system. Click Next.
Choose a file location for your Money file (.mny), then click Next.
Money now gives the option to login using a Microsoft .NET Passport. These were early versions of the Microsoft Account which is now used across Windows, Xbox, Teams, Office and a shed-load of others. However, don’t try it here as it no longer works. Select Don’t use a Passport then click Next.
Money offers to increase the security of your financial records by adding a password to the data file. Feel free to add one or tick the box to continue without. Whatever you do, don’t select I want to use a Passport instead of a regular password.
Money used to be able to connect directly to bank accounts, sucking in transactional data to work it’s magic. Banking security has moved on and I’m unaware of any UK financial institution which still allows this. Alternatively, if your bank still allows the export of .qif or .ofx files, then these can be imported into Microsoft Money.
Click Skip Account Setup.
“Congratulations!” says the lady on the yellow sofa. Your money file is setup, so click Finish.
Microsoft Money is installed on Windows 11, but before you head into that stack of floppy disks to find your old data, you may need to take care of another relic from Microsoft’s past.
Why doesn’t Microsoft Money launch?
Microsoft Money is old software and it relies on other bits of old software to run, particularly the now retired Internet Explorer. Many Money users have discovered that sometimes the software won’t launch, so a quick tweak to the registry is required.
Open REGEDIT and work your way to:
From the right-hand pane, select Version and edit the value to:
Exit REGEDIT and restart your computer. All should be well again.
Installing Microsoft Money on Windows 10?
The great news is that installing Microsoft Money on Windows 10 and Windows 11 is an identical process. Follow the steps above and you’ll have Microsoft Money running on Windows 10 in no time.
What is Money Plus Sunset and should I install it?
Microsoft Money Plus Sunset (often referred to as the Sunset edition) was released by Microsoft in 2010. It was a cut-down version of some of the other commercial versions of the software, Money Plus Deluxe and Money Plus Home & Business. You can certainly download and install it, but it uses a different format of the .mny file, so directly importing historical data from UK editions is not possible.
If Microsoft Money Plus Sunset detects a .mny file, it will offer to convert it and then fail, so if you’re wanting to work with old UK formatted files, stick to the Microsoft Money 2005.
Is Microsoft Money still used?
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Yes. Despite the age of the software, Microsoft Money retains a large user base. The advancement of technology means that many of the interactive features, which made it so popular, no longer work. That said, if you don’t mind a bit of manual import or data entry, it’s still a great way to keep an eye on your personal finances.
Update: Microsoft has discontinued this product. You can read more about it on Archive.org.
Microsoft Money Sunset Download
Back in 2009, I reported that Microsoft was killing off their Microsoft Money product line after ten years of development. I was sorry to see it go but oh well, that’s the way it goes sometimes.
For those of you who are still running an old copy of Microsoft Money, today Microsoft released what appears to be its final version of Microsoft Money called – Microsoft Money Plus Deluxe Sunset. The final copy is a free download over at the Microsoft Download Center. It can be installed as an upgrade to a previous Money install OR installed stand-alone.
According to the release notes, Microsoft is apparently releasing the software because they are turning off the Product Activation and Digital Rights Management services needed to activate older versions of the software. This final Sunset version of Money will ensure no customers find themselves locked out of their money files in the event they need to perform a re-install, etc.
Free? What’s the catch?
No online Quotes or other Banking Services will be supported moving forward. You can however still import Microsoft Money transactions manually from banks. I tested this with my bank Chase, and it worked perfectly.
Here are the details from the release notes:
Microsoft Money products since Money 2007 have utilized a digital rights management system which required users to activate their product at or shortly after setup. Now that the Microsoft Money product line is nearing the end of its supported lifecycle, the activation services will also be ending. To enable users the ability to continue to use Microsoft Money manually, (without online quotes or online banking services), Microsoft is releasing “Money Plus Deluxe Sunset”, and a “Money Plus Home and Business Sunset”. The Sunset skus do not require activation, and come preconfigured with no online services, thus allowing users access to their Microsoft Money data files.
Free Microsoft Money Plus Download
It is recommended that you save this download on to your computer in case you need to reinstall in the future without Internet access. Then Run the installation from that Saved download. Money Plus Dlx Sunset can be installed as an upgrade to retail versions of Money, or stand alone. Before running setup, it is recommended that you make sure you have good backups of all your Money data files, as well as a copy of the setup program of your current version of Money, in case you need to uninstall the Sunset version and revert to your previous version. To install Money Plus Dlx Sunset, just double click on the self-extracting download file, and follow the setup wizard steps.