There are fundamental design flaws in Windows XP that make it unsafe for Internet banking and other tasks in a permanently connected world. If you want to use Windows XP "air gapped" from the world, fine. But if you're Internet connected, this isn't a case of Microsoft being big bad guys. It's necessary change for safer software online. Security is a war of attrition. You can't just wrap an unsafe thing in a safe thing and expect it to be sound and secure. As above, fundamental flaws in XP's design means change was necessary, and no "wrapper" can help you there - a system is only as secure as its weakest link. We call this "defence in depth": https://en.wikipedia.org/wiki/Defense_in_depth_(computing) With that said, there are open source tools that aim to give you XP compatibility on more modern software. Two options currently are : 1) WINE - a software layer that runs on Linux, and allows Windows XP software to run quite well. I've found WINE gives me a better overall compatibility for old software and games than even Windows 10: https://www.winehq.org/ 2) ReactOS - a whole new, non-Linux, non-Windows operating system that uses some of WINE's code, and plenty of their own, to make a Windows-like OS. Their end goal is to be like DOSBox and FreeDOS aim for with MS-DOS, in that they want to ultimately be 100% compatible with Microsoft Windows in every way (even right down to third party drivers). ReactOS is still very early in development, and considered "alpha quality", so don't go running your business tools on it. However active development means there are better chances of it targeting newer hardware that Windows XP won't be compatible with, while still running Windows XP era software: https://reactos.org/ Two massive warnings with both of these options, however: Firstly, neither has had the formal security scrutiny that modern operating systems have. While their developers actively squash bugs and post security notices, there's not as many people testing flaws in either compared to a modern Windows/Linux/Mac desktop. Secondly, see the "defence in depth" comment above. Even if WINE or ReactOS are 100% secure (and they aren't), if you're going to load up ancient software on them, it's likely that software is full of security holes, and puts you at risk. As someone who loves retro computing and retro gaming, I take measures to keep my old stuff and my new stuff separate on my home network. Particularly anything that is responsible for deriving me an income is always supported, patched, and up-to-date software regardless of the vendor or whether it's open source or proprietary. Old stuff is heaps of fun to play with, and I get the nostalgic memberberries from using old computers. But I don't make the mistake of using them in risky ways that put my Internet, personal or business security at risk.