For me, keeping track of my money used to seem like the most Herculean feat in this world. Daunting tasks such as bill payments, due dates, and maintaining a monthly budget gave me goosebumps. Excel sheets, financial journals, and the additional math were like monsters to be defeated.
But now, times have changed and we can rely on our smartphones for almost anything short of brewing us our morning coffee. So leave the sword and shield at home; there are many personal finance apps available that you can easily use to manage your monthly budget instead.
- Personal finance software and apps can help you master the basics, become more efficient at managing your money, and even help you discover ways to meet your long-term financial goals. Choosing the best personal finance software depends on your current financial needs.
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- How to finance your Apple device Apple's 'Monthly Installments' financing option divides the cost of your new iPhone, iPad, AirPods, or Mac into 6, 12, or 24 interest-free monthly payments.
It is one of the best apps for mobile credit card transactions. Square gives you a free credit card reader and the app is free as well (a rarity among today's business apps). Transactions are credited to your account within one or two days and the charge is 2.75% for each card swipe.
Here are 6 of our favorite budgeting and personal finance apps you can install on your smartphones in order to keep check on your money right from your pockets.
1. BUDGT ($ 1.99 iOS)
Let’s begin with a simple yet powerful app. BUDGT for iOS is a clean app that helps you conquer your monthly expenses. All you need to do is set your monthly budget and the app will tell you how much money you can spend each day, taking into account what you have already spent during the current month.
The app does not go deep into personal finances and thus is ideal for an individual who is a bit skeptical and just starting to keep a tab on his expenses via mobile device. Simply enter your monthly expenses and leave the rest to the app. The app will do all the necessary calculations and give you an average of how much you can spend.
The app also gives you month end projections based upon your current expenses and how much money you’ll have left in savings. The principle behind the app is that by remaining conscious of how much you spend every day you will automatically spend less.
2. Toshl (Free: Android, iOS, Windows)
Toshl Finance is a great personal finance app available for both Android and iOS devices. The app helps you to keep a tab on your personal monthly finance. The user can set the monthly budget and even enter recurring bills like house rent, automobile insurance charges, etc. The expense reports from the app can be exported as PDF and Excel sheets so you can analyze the data on your computer or save a copy for your records.
The app features a bill organizer that helps you to keep track of all your bills and even reminds you of the due dates. For users who travel frequently, the app supports foreign currency converter. The app updates exchange rates for the top 160 currencies daily, and you can get exact conversion rates right from the app’s servers. All the data is synced to your Toshl account and you can view it online or sync it with other devices you work on.
3. CoinKeeper (Free but offers in-app purchases: Android, iOS)
CoinKeeper is for the users who think that expense tracking is a boring and mundane task. The app brings a little amusement into keeping track of expenses by implementing an interactive interface. Just like any other finance app, the user needs to set up his monthly budget. But then, whenever he needs to log an expense, all he needs to do is drag and drop the virtual coins in the app to the correct section. The fill level and color of each expense category instantly displays where you’re overspending.
CoinKeeper gives reminders for upcoming bills and monthly recurring charges. Users can also set financial goals and save up money to buy the next big thing on their wish list. On top of that, the app offers one-click report generation and compressive spending analysis using charts and graphs. The users can easily keep a backup of all the personal finances in their personal account and sync the app with multiple devices if needed.
4. Expensify (Free: Android, iOS)
Expensify is meant for users who travel a lot and are constantly moving around to different places. One thing that Expensify excels in is reading bills and receipts; it automatically tallies the expenses without you needing to type in anything. Simply take a photo from your device’s camera and the powerful OCR (Optical Character Recognition) automatically scans the bills and receipts and enters the information into the app. If for some reason the app is not able to recognize the scan, the users can add the expense manually. The app also lets you import your credit card transactions and automatically creates an IRS guaranteed eReceipt.
The app also features time and mileage recording so you can track your work time and traveling expenses using the app. If you work on an hourly basis, you can enter your hourly rates and let Expensify do the payment calculations for you. The app supports automatic currency conversion for more affluent travelers. You can also monitor your trips with the app’s itinerary. It will then provide you with free flight alerts plus automatic expense reports based on your itinerary.
Personal Finance App Iphone
5. Splitwise (Free: Android, iOS)
Splitwise is basically an app that helps you share bills when living with your friends and roommates. Personally, I was using the app for the last few years of my bachelor life, while I was sharing a place with my friends. However, you can also use it at work if you have dinner plans with your colleagues.
The app makes sure that everyone pays for what they own and makes splitting bills a walk in the park. Just make a group of users or add individual contacts and whenever you go out or make a collaborative expense, split the bill and the app will record the debt to your friends account as due.
You can also record a personal loan if you are lending out money. The app lets you generate reports at the end of each month to keep track of all the expenses in the group.
6. Budget Buddy (Free: Windows Phone)
Finally, a personal finance tracking app for Windows Phone Users. Budget Buddy features full-fledged expense tracking and budget management for the end user. Users can set their monthly budgets and add expenses to keep track of money flow. Users can just snap a picture of their bill, receipt, cash register total, or whatever is available when they are making a purchase and the app will record it.
The app also features Live Tile which makes it easy to track spending and manage monthly budgets. You can know exactly how much you’ve spent and how much is left in your monthly budget simply by looking at the Live Tiles on your home screen. The charts, graphs, and other tools provide you with an in-depth analysis of your budget, helping you consolidate your spending from month to month. You can also import and export this data to your online SkyDrive account.
Conclusion
Best Personal Finance App Iphone
So, these are some of the best budget tracking apps for your smartphone. I am sure one of these apps will make your financial life much easier. If you have any additional apps you would like to recommend to our readers, don’t forget to mention them below in the comments section.
The above article may contain affiliate links which help support Guiding Tech. However, it does not affect our editorial integrity. The content remains unbiased and authentic.Also See#Android apps #finance
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HomeMacWhat are the best home finance apps for Mac
Every adult needs to keep track of how they spend their money, they need to create budgets to make sure that everything is okay, and even see if there is something left for them to save or spend on themselves after a hard day of work. That’s why here we show you the best home finance apps for Mac.But keeping track of your finance is not as simple for some as it is to others. Some might just not be great with numbers, so this apps are a great way for them to get the right results in a quick way.
But since these are some of the most sought out apps in the market, there are way too many to choose from, so what we are going to is show you some of the ones that are considered the best, because of their simplicity, or because they have some of the best features out there. And you will have to make the choice between these options depending on the features you like and then you can just download it.
The best home finance apps for Mac
Level Money:
This is the best option you will find out there, to track the movements in multiple bank accounts without having to go through too much trouble and confusion. It also has aat-a-glance feature where you can see how everything is going, and if there is any trouble. You can set up monthly, and even weekly budgets that you’ll be able to keep track of using the feature that was previously mentioned. This app is available for free, and you can also download it to your phone so you can check this things wherever you are at the moment.
Liquid Ledger:
Best Finance Apps Iphone
This is considered one, if not the best home finance app for Mac since it comes with so many finance features, like the built-in calculator, you can also choose from multiple kinds of currencies, and you can even use it to print checks at real time. You can use it to create reports and graphs for different things. It’s not a free app, but if you want to try it out if it’s worth to pay for, you can use the 60 day free trial that this platform offers you.
You Need A Budget:
Like the one mentioned before this one is not free, but you can find a monthly plan where you just have to pay $5 dollars a month. But if you are a new users you can just use the 34 day free trial to try it out, but there is also a special offer for users who are in college, they can get it for free as long as they provide proof of their enrollment.
It also has a mobile version, you can use to check all your transaction when you are not on your computer. And it uses Cloud synch to keep all your devices with the same information whenever there is a change made in any of them. You can use all the versions to create different budgets.
Moneydance:
This app serves most of the same features and that the ones that were previously mentioned. It’s considered one of the best home finance apps for Mac devices. And even when it includes so many features it still manages to keep everything looking very clean and not too full. You can choose from multiple currencies, and you can backup every important detail like reports and anything like on your Dropbox account if you choose for that.
Budget by Snowmint:
One of the best features that this platform offers you, is the fact that whenever you create a new budget you will be able to see them in the form of ‘envelopes’that you can classified with different uses, like the electrical bills, and then you can see how you have saved for each one. It also comes with a very active support forum and every small upgrade to it will be free for all the users, so this way you only have to pay for this platform once.
AceMoney:
This is a very simple and easy to use app. So for those that don’t have that much experience with this kind of platforms will find it a very nice way to learn. And even if doesn’t come with too many features, it serves the function that you need it to do, so if you are using only for your personal finances and not a company you won’t have any kind of trouble.
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