There are many services for planning personal finances. Some take photographs of checks, others recognize transactions from a mobile bank, and still others can manage the budget at the same time by several people.
We will try to figure out which application will help to bring the accounting of income and expenses to automatism and is right for you.
Moneon
A very simple app for keeping track of income and expenses. Allows you to set the desired categories of income (for example, salary, benefits, etc.) and expenses (utilities, training, purchases).
It recognizes transactions from a mobile bank: you just need to copy an SMS from the bank, open the application - a message will appear there with a proposal to add an operation. You just have to refer the amount from SMS to the desired category - expense or income. You can keep records in several currencies, distribute money across several wallets and keep a table of debts.
Limited functionality is available for free. Full version of the application - from $ 1 per month.
Financial literacy level: beginner.
Suitable for: those who have just started to monitor their income and expenses and want to understand how much they spend and earn per month.
Platforms: iOS, Android.
CoinKeeper
The application with the most convenient widget for adding operations: drag a coin from the desired account to the expense item and enter the amount. On one screen: income, expense categories and spending amounts, available accounts and their balance. The application can recognize SMS from banks, but only on Android devices. The automatic budget feature calculates the main items of expenditure for the month. You can keep a family budget and plan purchases.
Limited functionality is available for free. Full version of the application - from $ 2 per month.
Financial literacy level: beginner.
Suitable for: those who manage the family budget, and those who constantly use several bank cards.
Platforms: iOS, Android.
Monefy
A simple service with a pleasant and intuitive interface. It is synchronized with several devices so that you can enter expenses in two clicks at any convenient time. All the necessary information is available on the main screen: the chart of expenses for a day, week or month (as you prefer) is immediately divided into categories (when you click on a category - more information), there are expense tracking buttons. You can set a budget for a month. Some features, such as a password for logging into the application, are available only to users of the paid version.
Limited functionality is available for free. Monefy Pro version - $ 4 per month.
Financial literacy level: beginner.
Suitable for: those who are just starting to keep track of income and expenses and are looking for the most simple and intuitive interface.
Platforms: iOS, Android.
Easyfinance
An application with rich functionality, but not the simplest interface. You can set expense items, set limits for them and see the dynamics of spending. Supports synchronization with Google Calendar, allows you to set goals to save money, can plan expenses. Access to the application can be additionally protected with a password.
Limited functionality is available for free. Three versions are available with different capabilities - from $ 1 per month.
Financial literacy level: beginner.
Suitable for: those who have several sources of income.
Platforms: Web, iOS, Android.
"Drebedengi"
A convenient way to manage your family budget. Allows you to plan expenses and incomes for several years in advance, connect all family members to accounting. You can create a shopping list right in the app and save receipts there. You can also schedule larger purchases and set up reminders for them. The service recognizes SMS from banks.
Limited functionality is available for free. Premium version - $ 10 per year.
Financial literacy level: medium.
Suitable for: those who scrupulously manage the family budget, plan large purchases and set financial goals for several years ahead.
Platforms: Web, iOS, Android.
Goodbudget
The service allows you to determine the budget for the desired period, start personal expense items and set limits on them. In essence, the application replaces the distribution of money in envelopes for specific purposes. Up to five people can maintain a budget at a time. The user himself sets the planning period and the date from which it starts (for example, the date of receipt of the salary). Of the minuses - the interface is not the most understandable for beginners.
Not supported in Russian. Limited functionality is available for free. Full version - $ 5 per month or from $ 45 per year.
Financial literacy: high.
Suitable for: those who have already dealt with financial planning and clearly know what and how much they will spend.
Platforms: Web, iOS, Android.
What other services are there?
Budget
Calculates how much money can be spent per day, taking into account the required monthly payments. The app is available on the Android platform.
Zen Mani
Recognizes SMS from banks, integrates with electronic wallet systems such as Yandex.Money, Qiwi and WebMoney. Shows the balance in the form of a pizza: the more you spend, the fewer pieces of pizza are left. The app is available on iOS and Android platforms.
You can take into account income and expenses using Internet banking applications - they are as safe as possible, take into account all expenses on cards, most banking services can independently distribute income and expenses by category. But this method is not very convenient if you use bank cards of several banks and cash for payments.
All these applications will help you not only keep track of income and expenses, but also analyze them. Each of them has the ability to generate a report in the form of graphs, diagrams or simple tables. However, in order to use all the functions of the applications without restrictions, you will have to spend money on a paid subscription.
What if the phone breaks or gets stolen?
It is really convenient to use mobile phone apps to control spending. They will help you not to lose sight of even the smallest purchases, which actually make up a large share of our expenses. It rarely takes more than 10 seconds to make one operation. But there is always a risk that the phone will be stolen or lost. Therefore, most services can be backed up. If something happens to your phone, all your records can be restored.
Those who are afraid of posting personal finance data on the Internet should turn to the good old proven methods: an Excel spreadsheet on a home computer or a classic paper journal of income and expenses.
We will try to figure out which application will help to bring the accounting of income and expenses to automatism and is right for you.
Moneon
A very simple app for keeping track of income and expenses. Allows you to set the desired categories of income (for example, salary, benefits, etc.) and expenses (utilities, training, purchases).
It recognizes transactions from a mobile bank: you just need to copy an SMS from the bank, open the application - a message will appear there with a proposal to add an operation. You just have to refer the amount from SMS to the desired category - expense or income. You can keep records in several currencies, distribute money across several wallets and keep a table of debts.
Limited functionality is available for free. Full version of the application - from $ 1 per month.
Financial literacy level: beginner.
Suitable for: those who have just started to monitor their income and expenses and want to understand how much they spend and earn per month.
Platforms: iOS, Android.
CoinKeeper
The application with the most convenient widget for adding operations: drag a coin from the desired account to the expense item and enter the amount. On one screen: income, expense categories and spending amounts, available accounts and their balance. The application can recognize SMS from banks, but only on Android devices. The automatic budget feature calculates the main items of expenditure for the month. You can keep a family budget and plan purchases.
Limited functionality is available for free. Full version of the application - from $ 2 per month.
Financial literacy level: beginner.
Suitable for: those who manage the family budget, and those who constantly use several bank cards.
Platforms: iOS, Android.
Monefy
A simple service with a pleasant and intuitive interface. It is synchronized with several devices so that you can enter expenses in two clicks at any convenient time. All the necessary information is available on the main screen: the chart of expenses for a day, week or month (as you prefer) is immediately divided into categories (when you click on a category - more information), there are expense tracking buttons. You can set a budget for a month. Some features, such as a password for logging into the application, are available only to users of the paid version.
Limited functionality is available for free. Monefy Pro version - $ 4 per month.
Financial literacy level: beginner.
Suitable for: those who are just starting to keep track of income and expenses and are looking for the most simple and intuitive interface.
Platforms: iOS, Android.
Easyfinance
An application with rich functionality, but not the simplest interface. You can set expense items, set limits for them and see the dynamics of spending. Supports synchronization with Google Calendar, allows you to set goals to save money, can plan expenses. Access to the application can be additionally protected with a password.
Limited functionality is available for free. Three versions are available with different capabilities - from $ 1 per month.
Financial literacy level: beginner.
Suitable for: those who have several sources of income.
Platforms: Web, iOS, Android.
"Drebedengi"
A convenient way to manage your family budget. Allows you to plan expenses and incomes for several years in advance, connect all family members to accounting. You can create a shopping list right in the app and save receipts there. You can also schedule larger purchases and set up reminders for them. The service recognizes SMS from banks.
Limited functionality is available for free. Premium version - $ 10 per year.
Financial literacy level: medium.
Suitable for: those who scrupulously manage the family budget, plan large purchases and set financial goals for several years ahead.
Platforms: Web, iOS, Android.
Goodbudget
The service allows you to determine the budget for the desired period, start personal expense items and set limits on them. In essence, the application replaces the distribution of money in envelopes for specific purposes. Up to five people can maintain a budget at a time. The user himself sets the planning period and the date from which it starts (for example, the date of receipt of the salary). Of the minuses - the interface is not the most understandable for beginners.
Not supported in Russian. Limited functionality is available for free. Full version - $ 5 per month or from $ 45 per year.
Financial literacy: high.
Suitable for: those who have already dealt with financial planning and clearly know what and how much they will spend.
Platforms: Web, iOS, Android.
What other services are there?
Budget
Calculates how much money can be spent per day, taking into account the required monthly payments. The app is available on the Android platform.
Zen Mani
Recognizes SMS from banks, integrates with electronic wallet systems such as Yandex.Money, Qiwi and WebMoney. Shows the balance in the form of a pizza: the more you spend, the fewer pieces of pizza are left. The app is available on iOS and Android platforms.
You can take into account income and expenses using Internet banking applications - they are as safe as possible, take into account all expenses on cards, most banking services can independently distribute income and expenses by category. But this method is not very convenient if you use bank cards of several banks and cash for payments.
All these applications will help you not only keep track of income and expenses, but also analyze them. Each of them has the ability to generate a report in the form of graphs, diagrams or simple tables. However, in order to use all the functions of the applications without restrictions, you will have to spend money on a paid subscription.
What if the phone breaks or gets stolen?
It is really convenient to use mobile phone apps to control spending. They will help you not to lose sight of even the smallest purchases, which actually make up a large share of our expenses. It rarely takes more than 10 seconds to make one operation. But there is always a risk that the phone will be stolen or lost. Therefore, most services can be backed up. If something happens to your phone, all your records can be restored.
Those who are afraid of posting personal finance data on the Internet should turn to the good old proven methods: an Excel spreadsheet on a home computer or a classic paper journal of income and expenses.
