The 6 Best Money Management Apps - 4 Minute Tech
But there are a string of smartphone apps that could make the task of staying in the black that little bit easier.
They all claim to be simple to use, and are not just for geeks.
But are they worth using?
Guardian Money put them to the test.
YNAB is a digital take on the concept of having pots of money for different things.
Users divide their income into separate pots, such as rent or groceries, when they get paid, and every pound is accounted for.
If you over- or under-spend in an area you can move money to another pot.
YNAB also encourages users to save money each month for larger expenses such as car insurance or birthday gifts.
Nor is it, strictly speaking, an app: it is desktop software with an iOS or Android smartphone app running alongside it.
You can check your envelope balances as well as your bank balances, and expense tracking is also available.
Envelopes and balances can be synched between different devices and other people — useful to work out the household budget with your other half.
Wally claims to offer a 360-degree view of your money, tracking what comes in, what goes out and what you have budgeted Bought by financial website MoneySuperMarket in 2014, the app, or desktop version, lets you view all your bank accounts from different providers in one place with one login.
Unlike YNAB, which is focused on planning ahead and recording every penny you spend, OnTrees concentrates on where your money has gone.
OnTrees is free but only available for desktop and iOS.
Developers are working on Android and Windows apps.
This is another app with rave reviews.
Another feature is the ability to photograph your receipts to update your spending and expenses.
Notifications will remind you of upcoming payments and when you have free money for me from the government a savings goal.
Another visit web page that shows you all your account balances in one place.
Like OnTrees, you need to enter your bank login details for the software to read your bank statements.
This may make some users uncomfortable, although the application is read-only so no payments, withdrawals or transfers can be made from best android money management app uk />Once each account is linked to Money Dashboard your transaction types will be automatically grouped and categorised into various tags, such as electricity and food.
Money Dashboard is free and free money for me from the government for Android and iOS.
It provides a simple view of the money customers have available to them before their next payday by deducting forecasted payments, such as standing orders and direct debits alongside pending transactions.
For example, if you were paid a salary of £2,000 each month but had a £800 mortgage, £100 best android money management app uk tax bill and £100 read article bill to come out, Balance Extra would calculate you had £1,000 left to spend before your next payday.
Food for thought You can also use apps to shop for your groceries, saving money or even earning cashback in the process.
You can scan products by their barcodes to find out where they are cheapest, check product prices and find out where your basket would be cheapest overall.
You can search for products, scroll through posts and sign up for keyword alerts for specific items.
please click for source make the biggest savings, sign up for keyword alerts on pricier items such as meat, fish and alcohol.
Cashback sites Some apps let you earn cashback by taking a photo of your supermarket receipt.
With the ClickSnap app, when you go to a store and buy a featured product you upload the receipt to earn money back.
Alternatively, you pick a supermarket, share that choice with the app and buy featured products online.
You browse the offers, unlock them by answering consumer-focused questions, do your shopping then scan and upload the barcodes and your receipt to earn cashback.
This article contains affiliate links, which read article we may earn a small commission if a reader clicks through and makes a purchase.
All our journalism is independent and is in no way influenced by any advertiser or commercial initiative.
By clicking on an affiliate link, you accept that third-party cookies will be set.
Best Personal Budget Apps - iPhone & Android 
Get a grip on your money with these free personal finance apps for your desktop and mobile devices.. The best free personal finance software 2019.. (there's also an Android app in.
You are absolutely right. In it something is also idea excellent, I support.
Absolutely with you it agree. I think, what is it good idea.
I think, that you are not right. I can prove it.
It is remarkable, it is a valuable piece
The excellent message gallantly)))
It is necessary to try all
Prompt reply, attribute of mind :)
I think, that you are not right. I am assured. I suggest it to discuss. Write to me in PM.