PFP – Personal Finance Program

PFP is the latest incarnation of the personal finance program used by Aere since 1983.

Unlike other personal finance software, there is no need to create accounts for various categories of expenses, and allocate appropriate amounts of money among them.

PFP works on the principle of maintaining a reserve-account for every known expense (including future savings goals), transferring a fraction of the total amount to its reserve-account each week. When the due-date of the expense comes-around, the necessary money to cover the expense (pay the bill) is already in the reserve-account.

You can 'borrow' from the reserve-accounts if necessary, and if you do, the amount taken out each week for the reserve-account will be adjusted accordingly.

You save your receipts (or check copies) during the day (or week), and record them when you next run the program.

In recording a charge or check, in typing the name of the business (or person) the transaction is for, the program does auto-completion of the typing (based in the persons or businesses already specified so-far in the session).

It has an easy and effective method of reconciling your records with your monthly bank statement.

By doing this, and using this program, you always know how much you can safely spend, or how much of a payment for something new you can afford.

It also provides an easy way of entering long-term reminders, which appear when they come due. This is very useful for remembering things far (even years) in the future (such as your next tetanus shot).

As with expenses, it handles known sources of income (such as paychecks), allowing you to confirm (or change) the amount deposited when it comes due. The money deposited can go to more than one account, if desired.

It has extensive help-information integrated into the application, and that help can be accessed even in the sand-box version (because it doesn't require starting your Internet browser).

At the end of the year, it produces a sorted (and totaled) transaction summary, which is very helpful in preparing your tax return. And you can run the year-end (year-to-date) analysis at any time to see where your money is going.

It was first written in Microsoft Basic, on a Radio Shack “Color Computer”. Later it was converted to a C-program, and used on various machines. It was later converted to a C++/MFC application, running on Windows.

It was finally converted to a Java/Swing application (which runs on any OS with Java), and has been in use by Aere's family members for many years.

It is now being offered on for people to try-out (within the Java Sandbox security restrictions).

Functionality which cannot be performed within the Java Sand-Box security limitations is disabled in the sand-box version.

Try it out on this web-site, by clicking a link below:

If you've followed the instructions on the Software page for obtaining Java, you can try out the application now. It will run the 'sand-box' (few privileges) version, so it can't access resources on your machine (resulting in buttons being grayed-out), but you can check out most of the application's functionality. You have to exit by terminating the window, or clicking the "Cancel" button.

If your browser asks what to open the links below with, it should be Java Web Start (icedtea on Linux). Here are the links:

PFP 6.1 (sand-box version)Use this link for current systems

PFP 6.1 (sand-box version) Linux/OpenJava7Use this link for Open Java 7 on Linux

If clicking one of the above links doesn't start the application (after maybe answering a dialog or two to allow it to run), click below for more instructions:

(if clicking the link doesn't start the application)

Sand-box version, compared to Full version

The sand-box security restraints prevent an application from accessing your files, reading the system properties, or using your Internet browser. The full version, on the other hand, runs as a normal application, with all-permissions. With the sand-box version, where it can't reference your files, it can't save the data at the end of the session, or reload it at the beginning of a new session. Because of this, some functionality is grayed-out (unavailable).

The sand-box version is therefore only useful for trying out the software. To actually use it as a personal finance program, the full version is required, where all of the functionality is available.

The full version of the application

For the full version of the application, that runs with all permissions, as a normal application, use the link below. As is required by Java security requirements, it uses a trusted, revocable, code-signing certificate (of Laeramin LLC, by DigiCert, on

PFP 6.1 (Full version)

The full version allows you to save the application's data at the end of a session, and reload it in a new session later. All of the functionality is enabled.

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