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Microsoft Money Standard 2005 [OLD VERSION]

by Microsoft
Windows XP Home Edition
2.0 out of 5 stars  See all reviews (40 customer reviews)

List Price: $29.99
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There is a newer version of this item:
Money Plus Deluxe - Old Version Money Plus Deluxe - Old Version 2.5 out of 5 stars (127)
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Product Features

  • 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

System Requirements

  • Platform:   Windows XP Home Edition
  • Media: CD-ROM
  • Item Quantity: 1

Special Offers and Product Promotions

Product Details

  • Shipping Weight: 3.2 ounces
  • Domestic Shipping: Item can be shipped within U.S.
  • International Shipping: This item can be shipped to select countries outside of the U.S. Learn More
  • ASIN: B0002D1572
  • Item model number: 105-00502
  • Date first available at Amazon.com: August 2, 2004
  • Average Customer Review: 2.0 out of 5 stars  See all reviews (40 customer reviews)
  • Amazon Best Sellers Rank: #14,777 in Software (See Top 100 in Software)
  • Product Warranty: For warranty information about this product, please click here

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.

Customer Questions & Answers

Customer Reviews

2.0 out of 5 stars
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Most Helpful Customer Reviews
88 of 89 people found the following review helpful
2.0 out of 5 stars SKIP this "Upgrade" and STICK with 2004 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
1.0 out of 5 stars Do not upgrade! 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
4.0 out of 5 stars Not As Bad As All That!! 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
2.0 out of 5 stars Stick w/ 2004 April 10, 2005
By adc11
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
1.0 out of 5 stars Incredibly Disappointing "Upgrade" 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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Most Recent Customer Reviews
5.0 out of 5 stars Money 2005
I love the program. It is easy to use and input my check register. THe are plenty of reports to customize and print so as to control my spending.
Published on November 28, 2012 by norm raynal
2.0 out of 5 stars MS Money
This item worked and was used for several years. It is no longer available. I now use Quicken and like it much better.
Published on October 15, 2010 by Phasr
1.0 out of 5 stars What a mistake
I've wasted two hours so far trying to organize my investments. When I called my broker for help, they said "yeah, Microsoft Money is pretty notorious for being complicated. Read more
Published on September 27, 2006 by Ryan P. Urban
3.0 out of 5 stars Why can't I change Category Groups?
I'm a single woman with two dogs. I spend quite a bit on their food, vet bills, walkers, etc. There is no category group for pets. Read more
Published on March 31, 2006 by Freckle Faced Girl
2.0 out of 5 stars A disaster
I started using this product because Quicken abruptly dropped support for the qif file format, which was my only choice for downloads at the time from my CU. What a mistake. Read more
Published on November 3, 2005 by knuckles
4.0 out of 5 stars my ms money
very user friendly. easy to use. Good money management software for the price. Enjoy using the program. would definitly update to higher end software.
Published on August 12, 2005 by Edward A. Stanger
2.0 out of 5 stars Disappointed
I found this product exasperating with it's connection to net. passport. I only wanted back track some bank statements to find a entry but was constantly going in circles with MS... Read more
Published on August 3, 2005 by Captat
1.0 out of 5 stars This Product is AWFUL
Be warned....DO NOT BUY THIS PRODUCT....especially if you have business accounts that you need to keep separate from personal accounts. Read more
Published on June 17, 2005 by Kdelle
1.0 out of 5 stars Truly Terrible "Upgrade"
I'm not sure it gets much worse than this, I should have stuck with 2004. When it "converted" my 2004 Money file none of the totals were right. Read more
Published on June 6, 2005 by chadlnc
1.0 out of 5 stars Not Ready For Beta Testing
Imagine if Microsoft Word crashed every time a period or capital letter was used or when opening saved documents some of the paragraphs appeared twice. Read more
Published on May 23, 2005 by Robert F. Cartland
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