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Microsoft Money Standard 2005 [OLD VERSION]

Platform : Windows XP Home Edition
41 customer reviews

Available from these sellers.
  • Easy-to-use personal finance software
  • Automatically consolidates online financial information
  • Works with bank Web site to access account info
  • Create budgets; track expenses; pay bills online
  • View the big picture or quickly drill down to details
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Product Description

From the Manufacturer

Microsoft Money 2005 Standard is the personal finance solution that provides fast, current answers to your basic financial questions by automatically consolidating all your online financial information.


  • Get fast answers: Money works with your bank’s Web site to access your account balances and transactions automatically--no more visiting multiple sites with multiple passwords.
  • Focus on what's important to you: Money fits your own financial management style, whether you want to see the big picture at a glance or quickly drill down to details.
  • Get automatic spending analysis: transactions are automatically categorized so you can easily track your spending.
  • Take care of bills automatically: know what’s paid and what’s due, pay bills online, and get updated account balances.
  • Your budget, your way: watch a few expenses--such as dining out or utilities--create a complete budget, or see all your financial details.

Product Details

  • Shipping Weight: 3.2 ounces
  • Domestic Shipping: Item can be shipped within U.S.
  • International Shipping: This item is not eligible for international shipping. Learn More
  • ASIN: B0002D1572
  • Item model number: 105-00502
  • Date first available at August 2, 2004
  • Average Customer Review: 2.0 out of 5 stars  See all reviews (41 customer reviews)
  • Amazon Best Sellers Rank: #16,173 in Software (See Top 100 in Software)
  • Product Warranty: For warranty information about this product, please click here

Customer Reviews

Most Helpful Customer Reviews

88 of 89 people found the following review helpful By Philip Lochner on October 17, 2004
I agree with all the other reviews. It's like this product came completely out of left field, which is odd because for the most part, Microsoft Money tends to improve each version. Sure, 2004 had stuff that 2003 didn't need, or 2002's version moved things around slightly from 2001, but the main program core remained the same.

Not the case with 2005. Gone are cash flow forecasts, dual-category transaction forms, and plenty of other little things and features you've been seeing in the program since 1996. The help file is buggy and while you try to find out how to get 2005 to do the same thing 2004 used to do, you get completely irrelevant results.

This program won't upgrade 2004, it'll just add another confusing installation directory. It'll automatically reformat your Money 2004 file to it's own new format, thankfully it created a 2004 backup that I could go back to because 2005 gives you no option to save "down" to a previous version.

Even 2004's annoying but sometimes useful audio help is gone for no particular reason. 2005 is a bit prettier, but it turns off many features and hides other VERY basic preference settings under so many layers worth of screens and windows. Your wheel mouse doesn't work in 2005 for some reason. Reports and links to sponsors show up with red X's as images for some reason. Just sloppy, sloppy.

I didn't bother seriously trying the debt reduction planner or budget planner, as it appeared to have changed significantly from the elegant 2003-2004 versions.

I don't know WHAT Microsoft was thinking when they released this. Very poor product that delivers plenty less than you're used to in the 2004 version. Don't upgrade and skip 2005 - hopefully version 2006 will be much better.
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153 of 160 people found the following review helpful By R. Jones on September 26, 2004
I am a MS Money fan so was quick to get the 05 version. Well I am uninstalling and rolling back to last years version!

First there is a new Internet Services Policy you must agree to. It starts out with "Microsoft® Money 2005 includes up to two (2) years of Internet-based Services. You will be able to use the Internet-based Services in Microsoft Money 2005 for a period of two (2) years from installation of the product or until September 1, 2007, whichever is earlier."

**** In two years you can not perform online banking!!!

Second the little Money Express program that reminds you of upcoming bills is gone.

I have 3 words for this program - Do Not Upgrade!

Stay With Your Current Version
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20 of 20 people found the following review helpful By Doug Bass on January 30, 2005
This version of Microsoft Money is not as bad as people are saying. I almost returned it before installing it when I read some of the reviews, and I'm glad I didn't. Overall, I'm happy with it.

Some of the things written by other reviewers are incorrect. The dual-category transaction forms are not gone - they are still there. I suspect the person making that comment did not check the "Show transaction forms" checkbox.

They HAVE changed the way "upcoming bills and deposits" work, but they're still there, if you go to the Bill Calendar. They're not in one all-inclusive list anymore; rather they're arranged in calendar format, with the bills appearing in the date box on which they're due. Once you get used to it, no big deal. But I can see how a person could get confused - Microsoft is definitely pushing users to sign up and use their bill-pay service. But you don't have to; you can still manage your bills the way you always could.

Others have claimed that Microsoft is uploading your financial data to their servers. This only happens if you explicitly sign up for that service. I will admit that it's not crystal clear that it's optional, but it is. The agreement that you have to accept when the product installed has to do with updates to the program itself - patches and such.

I don't see all the cause for alarm. It's a good product.
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17 of 17 people found the following review helpful By adc11 on April 10, 2005
I've had 2005 on the shelf for a while and finally upgraded from 2004. I've been happy w/ every upgrade since 2001, until now. First, it doesn't upgrade the 2004 installation, it installs separately. In the end, this turns out to be the best feature of 2005, because when you inevitably uninstall 2005, you don't have to reinstall 2004!

The most annoying items for me were:

1. The toolbars at the top take too much space due to an internet navigation toolbar that cannot be turned off. Every other MS product has fully customizable toolbars, what happened here!

2. In many cases, when clicking on something to get to some aspect of your financial info, you are first taken to an MSN MoneyCentral website, which is very intrusive!

3. There is a more complex and nested arrangement of menus for features which makes it harder to find and get to stuff.

I didn't use it much beyond that. #2 was really hard to accept.
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13 of 13 people found the following review helpful By Danny Ellis on April 4, 2005
First, let me say that I have been an avid fan, user, and recommender of the Microsoft Money products since I first became acquainted with them after the 1998 version release of the product.

Words cannot express how greatly disappointed I am with the product itself and Microsoft as a company for unleashing this grossly inept, buggy, and endlessly frustrating piece of trash upon its previously contented users.

I have spent countless hours trying to fix problems that Money 2005 has created in my personal financial records, and even more hours with their support people communicating with them via e-mail (a journey in frustration itself - you have to format your messages a certain way for it to even get to them).

I am, as of today, sending a request to Microsoft for a refund of my purchase price and am going to try one of the Quicken products. I've never even used ANY of the Quicken products before, and am already convinced that they are surely head and shoulders above this latest version of Money.

Shame on Microsoft for thinking that nobody would be willing to jump ship and take their business elsewhere.
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