Personal financial management (PFM) refers to software that helps users manage their money. PFM often lets users categorize transactions and add accounts from multiple institutions into a single view. PFM also typically includes data visualizations such as spending trends, budgets and net worth. At its core, PFM allows users to aggregate financial transactions in one place and then use that data to manage their money. In some cases, these transactions have to be entered manually, but an increasing percentage of products automate the process. PFM typically shows cash flow, spending trends, goals, net worth, and debt management. It also allows users some level of customization for managing their money. One of the major reasons for this is the high adoption rate of this technology among home business users. Personal Financial Management Tool helps home business users to easily manage their business operations and funding as it enables the effective planning and management of the inflow and outflow of monetary funds.