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How do I install Microsoft Money on Windows 10 and Windows 11?

Microsoft Money installed on Windows 11

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.

Which version of Microsoft Money?

Dashboard of MSN Money app running on Windows 11
MSN Money. This is not Microsoft Money.

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?

Microsoft Money on Windows 11 desktop.
Ready to go?

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.

Welcome to Microsoft Money Screenshot.
Welcome to Money Setup

Click I Accept, then dance around the room to the Microsoft Money installation tune before selecting Finish.

Microsoft Money Installation Complete
Installation Complete

At this point, you may think that the installation has failed, as nothing happens. No message, no desktop icon. Welcome back to 2005!

Microsoft Money icon on the Windows 11 start menu.
Money hidden away on the menu

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 Money's Internet Services Policy Page
Money services only ran until 2007

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 Setup Screen
Money setup

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.

Select the location of the Microsoft Money .mny file
Choose location for the .mny file

Choose a file location for your Money file (.mny), then click Next.

Option to sign-in to Microsoft Money using Microsoft .NET Passport
Remember Microsoft Passport?

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.

Choose a password to protect the Microsoft Money .mny file.
You can password protect the data

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.

Option to connect UK bank accounts directly to Microsoft Money.
Banks no longer connect to Microsoft Money. Click next.

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.

Microsoft Money's setup is complete.
Setup Complete

“Congratulations!” says the lady on the yellow sofa. Your money file is setup, so click Finish.

Microsoft Money dashboard running on Windows 11
Microsoft Money is ready.

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.

Tweak to registry to prevent Microsoft Money from not opening.
Tweak the registry

Open REGEDIT and work your way to:

HKEY_LOCAL_MACHINE\SOFTWARE\Wow6432Node\Microsoft\Internet Explorer
Changing the value of the Internet Explorer key to 9.11.10240.0

From the right-hand pane, select Version and edit the value to:

9.11.10240.0

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 setup screen
Microsoft Money Plus Sunset

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.

Microsoft Money Plus Sunset cannot convert UK versions of the .mny file.
Microsoft Money Plus Sunset conversion fail

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?

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.

About the author

Lee Grant

I can normally be found attacking things with screwdrivers in my small computer repair business or writing a column for PC Pro magazine.

I am also trying to solve a mystery involving David Bowie.

13 Comments

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  • I use this every day – it is fundamental to running my finances.

    The only thing I am aware of in W10 is that if you use full screen, it will not revert to a window – you have to restart it.

    Should you wish to, this is how to split Categories and Sub-categories on forms.

    Microsoft Money – Separate Categories & Sub-categories.

    Run regedit … (if you don’t know how to do this then get somebody else to help) :-

    Locate HKEY_CURRENT_USER\Software\Microsoft\Money\14.0
    Edit; New; DWORD Value 32 bit
    Put in new DWORD value of UseDualCatMode
    Modify the new DWORD to a Value data of 1

    Exit

  • Thanks for that info. I love Microsoft Money and not sure how I’d keep track of business and personal accounts if I couldn’t use it. I’m concerned that by allowing the windows 11 update it would no longer work. Can I go ahead and update from windows 10 to 11 without it affecting Money?

    • My guess, and it is only a guess, is that it will work fine. What I will do is when I do the W11 update I will post here the result but I certainly expect it to say that it works fine.

  • I have been using this for years, especially the Portfolio manager. The man who developed it Dan Gaier has now developed a simple programme that downloads share, bond and fund prices every time you start MS Money. It is fantastic and less than £10. He has his own site in his name ‘Gaier Software’

  • Hi – The following MS Money Sunset error message killed my days. I would expect that to run on windows10 21H2.

    “MONEY IS NOT ABLE TO LOAD SOME OR ALL OF YOUR FINANCIAL PLANNER DATA. PLEASE NOTE THE ERROR NUMBER OF THIS MESSAGE, AND THEN CONTACT MICROSOFT TECHNICAL SUPPORT FOR MORE INFORMATION. HRESULT=0x80046213”

    Any learnings in the community that would help me to get back my 10+yrs of transactional history?

    Thank you,
    Micko

  • Had a hard drive crash. Now Money is asking for my product key to activate. In 10 days, the message says I will not be able to enter any new transactions (a problem) or use online services (been that was a long time anyway). Will it actually deactivate? I purchased the CD in 2008 from Digital River and can’t find product key. Help!!!

  • Just tried this and it still won’t launch! It tries(flashes for up a second). It was working fine over the weekend but after doing an update it no longer works. Any ideas???

    • Sorry, no idea. I am still on W10 Edition Windows 10 Home
      Version 21H2
      Installed on ‎22/‎11/‎2021
      OS build 19044.1466
      Serial number MP21FEEQ
      Experience Windows Feature Experience Pack 120.2212.3920.0

      Money version is 14.0.120.1105 © 2004

      All working fine – no issues.

  • I upgraded (?) from Windows 10 to Windows 11. All seemed to work fine until today (that’s when I noticed the problem). I can’t access my old version of Microsoft Money. It has a new version of MM, but I’d like access to my old files. Can You suggest a solution?

    • Hi, I have used MS Money Sunset version for years. Why, in the previous couple of weeks, does it constantly ‘refresh’. Is this someone collecting my financial data?

  • Hi, I hope your are able to help, I think after a recent Windows update to Evaluation Build 22581.ni_release.220318-1623, MS Money 2005 now throws an error ‘we are unable to load a required library autoupdate.dll, Error code:0x0000045a’.
    Cannot get round this, and have reinstalled Money, change IE reg value back to value displayed here, but still no resolution.
    Do you have any advise to give here, I do have another Windows 11 Laptop which will still able to run Money but would like to find out with your help what the issue is here?
    Regards Alan

    • I had similar problems and thought I would have to give up on my old machine, I thought I had tried everything. Then one day went back in and there was the program waiting to be loaded. Don’t ask me why or how, I don’t know. Just keep trying.

  • I own a small used car business and am just wanting something where I can print my customers an amortization statement. Can you help me?

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