The best financial assistants for Android. Applications that synchronize with a bank account or SMS from the bank

If you don’t know how to properly manage your finances, and you run out of them long before your payday, then download and install an application on your smartphone to track your expenses. Most of the apps on this list work on the principle of a money counter.

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This application is one of the most downloaded in Play Market in its own section. AndroMoney has a simple and intuitive interface. You can maintain several records in different currencies at once. The utility provides convenient graphs and histograms.

On the main window you can see all financial transactions for the time period selected by the user. By swiping you can call sidebar, which contains sections such as: "Budget", "Accounts", "Categories" And "Reports". Sections can be configured in a way that is convenient for the user of this application. But, even if you don’t do this, you can use the default settings and a large number of built-in "Templates".

Inside AndroMoney, you can transfer money between your accounts, add transactions and calculate your budget for the month and year. And if you do not need such long-term planning, then it can be formed even for a week and a day.

This financial application has a convenient calculator with which you can separately calculate everything you need.

The advantages of this application include the ability to create reminders for future payments. The AndroMoney application synchronizes with your Google account. Therefore, you can easily transfer your data to another device if necessary.

Also import this app's database without any additional settings you can use such popular cloud services as Dropbox And Google Drive. In addition, they can be exported to a file Excel.

This great program will help you find places in your budget where you can save money. If you ignore the clumsy interface of this application, it can be used for serious personal budgeting.

Money Lover

This application is also very popular. On Play Market application Money Lover has been downloaded more than 1 million times. And unlike Money Lover, the design here is okay. The developers took the right approach not only to the application interface, but also to its style. At the same time, the rich functionality of Money Lover was not affected. But, unfortunately, not everyone will be able to understand the large number of functions and sections in this application.

You can work with this application without mandatory registration. However, we advise you to do this. This way it will be possible to synchronize with cloud services, which means that in case of failures, data will not be lost.

In the menu of this application you can find sections traditional for such a program. There is also a separate section here "Debts". And the highlight of Money Lover is the section "Planning". It allows you to set a budget for a specific period of time.

The developers also included a mode in this program "Journey". If you like to travel or often travel abroad for work, you will be able to take into account all your expenses during this time.

In the “Tools” section you can find the nearest ATMs on the map, view your accounts and transactions for a certain period of time.

This application is available on the Play Market in both paid and free versions. Unlike Premium in free version You cannot create more than 2 wallets and one budget. There are other restrictions, as well as the presence annoying advertising. You can export data to Excel only if you purchase this program.

This application also has another significant drawback. It cannot balance multiple wallets. Therefore, for more complex financial reports it cannot be used.

Accounting within this application can be maintained in 45 currencies. There are such exotic budget items as income from winnings, income from the sale of property, expenses for a date, etc.

Another convenient manager personal finance, which has a fairly high rating in the Play Market. It was created by domestic programmer Denis Sidorenko. He focused on the simplicity of this application and was right.

In the first tab you can find your accounts and balance information. You can open as many of them as you like and specify the currency for each account. If you need to convert one currency to another, the application will do it on its own. Currency conversion occurs according to the Central Bank at the time of conversion. To do this, the application requires an Internet connection.

All operations with personal accounts are displayed in the tab "Magazine". This is where you can create a transaction, specify the recipient of the amount, attach a photo of the receipt and add other information on your transactions.

Chapter "Budget" necessary to save funding data. Here you can create an account to which, according to the template in automatic mode The amount will be transferred at the specified interval. And in the tab "Reports", you can get detailed statistics on your finances. Here you can select a reporting period and “build” graphs for reporting.

An excellent advantage of this application is the automatic database backup to cloud services: Dropbox And Google Docs . Reports can also be imported into manual mode in QIF/CSV format.

ViZi Budget

Another application that will teach you how to manage your money correctly. This financial manager can be used to calculate both personal and family expenses. Using ViZi Budget, you can set goals, view spending statistics in the form of visual infographics, and segment transactions.

The main screen of this application displays information about expenses and income. Before you can start using this program, you must create an account. If necessary, you can add several categories to it.

Unfortunately, the ViZi Budget application does not have a very friendly interface. This is perhaps the main flaw of this program. But, over time, you can get used to it and this will not become a problem. Moreover, the order of the blocks is easy to change. This will help customize the home screen for each user.

You can place blocks here "Current balance", "Expenses", "Income" And "Accounts". Can be posted on home screen and widgets with display current balance.

Initially, the account can be specified in any currency. You can also specify the ending number of the account and link the card number to it. For convenience, the application converts exchange rates independently.

When creating transactions, you can specify the type of transaction (income, expense or transfer), account, amount, category and date. It is possible to create "Templates" to top up your account on a schedule.

One of the main features of the ViZi Budget application is the ability to create goals. Basically, the goal is a separate account that can be replenished until it reaches a specified amount. You can track your progress towards achieving your goal using a special scale.

Also interesting solution was the creation of color highlighting to track the effectiveness of personal budgeting. If expenses and income do not correspond to those previously established, they will be painted in a special “signal” color.

Balance reports are well implemented in the ViZi Budget application. They can be set for a specific period of time, category and other criteria. Statistics are presented in two forms: tables and graphics. You can export the report in CVS format.

One of the disadvantages of this application is the presence of synchronization with cloud services only in the paid PRO version.

Rubbishmoney

Those who, even before the era of “smart” smartphones, used Internet services to put their finances in order, probably know about such a site as drebedengi.ru. Today in the Play Market you can download a client of this service for smartphones? working in the operating room Android system. Unfortunately, without paid subscription The client will not work with the premium features of this site. But for those of you who have already used “Drebedengi”, the application will be a real find.

By the way, premium site services cost only 549 rubles per year. Agree, not very much to save on your budget.

In this application, you can organize your finances into several categories, add accounts and transfer different amounts of money between them.

In the “Balance” and “Reports” sections you can track statistics. Moreover, you can select the required period of time. There is even an hourly display of transactions.

The "Drebedengi" application is a great way to use the functionality of the popular home accounting service in your Android smartphone. The popularity of this site at one time was based on the fact that its developers listened to the opinions of users. We hope the same picture will be observed with the application.

Finance PM

This expense and income manager was created by a Belarusian developer. The principle of its operation is no different from the principle of operation of similar applications. To account for your finances using Finance PM, you need to take into account your income, expenses and transfers. If necessary, you can get a summary transaction and track all your financial transactions.

The main disadvantage of this application is the uninformative interface. In addition to the current balance, only a pie chart with category statistics is shown on the main screen.

The Finance PM user can create the categories he needs. It is possible to plan future transactions. At the same time, you can configure their notification. This will allow you to always remember about an unpaid loan or other monthly expenses: payment for housing and communal services, internet, mobile communications and so on.

This application allows you to create "Templates". This will allow you to manage your finances automatically.

The application can be used on several devices at once. There is a Russian-language web interface for this program, where you can record all your money movements if you don’t have a smartphone with the Android operating system at hand.

Unlike many of the previous heroes of this review, CoinKeeper is simple. In addition, it implements hints. What other apps don't have this kind. But this was not enough for the developers, and to be more confident that the user would understand their creation, they added detailed instructions on how to use this application.

But if you think that such a shift towards user friendliness will negatively affect the functionality of the application, then you are mistaken. She is on top level. Here, as in “ViZi Budget”, you can customize the main screen to suit your needs, change the order of categories and drag elements from one category to another.

After launching this application for the first time, the user will have to create his profile. Then you need to choose one of two options for budgeting: manual or automatic (using the application).

When you select the required category of income and expenses, the screen will display the sources of income, account and expenses. Also, this application has the ability to supply financial information. A progress bar will be placed at the bottom of the screen, visually indicating the progress towards achieving it.

As with most personal finance apps worth our attention, reports can be saved to the cloud. But, it is possible to synchronize this application with other devices.

Unfortunately, the free version of this application has significant limitations. In particular, you cannot specify sources of income, select the period for which a report is needed, etc.

Count

Another application from domestic developers that can be included in this list. This personal finance accounting program is the youngest of all listed. It applies to free of charge. But the free version has one thing, but very significant limitation. The user can only count 50 transactions per month.

The main screen of this application displays summary information about your finances. Also, here you can get acquainted with financial statistics for the day. The application can display average expenses per day, thanks to which you can easily plan a budget for a week, month and even a year.

The exchange rate is also indicated on the main screen. The application is capable of independently converting currency. But this requires access to financial servers. By the way, out of the entire list, the currency converter in this application turned out to be the fastest.

In general, the main screen of the Count application displays maximum information. There is no need to go to other tabs to view the amounts of your budgets and debts. All account transactions are displayed at the bottom of the screen.

As in similar applications, when creating a transaction, the user is asked to set the type of operation: income, expense or transfer. You can add a hashtag, geo-tag and photo to each movement of funds. The most frequent payments can be made automatically by creating a “template”.

Detailed statistics can be found in the tab "Financial report". Here you can view summary information on your income and expenses. It is also possible to set the period for displaying statistics. It can be displayed in the form of a chart or graph.

Data can be imported from several other financial applications. There is also the possibility of online synchronization between several devices. In addition, the developers promise to launch a more functional Internet resource for this application.

Zen mani

Another application created by Russian-speaking developers. Furthermore, for “Zen-money” and are designed more for users whose native language is Russian. This application supports SMS from banks operating in Russia, Belarus and Ukraine.

The main highlight of this application is the ability to separate personal and general budgets. Therefore, this program can simultaneously manage both family and personal budgets.

"Zen Money" is a fairly functional application that can import wallets from popular online payment services in our country: Qiwi, WebMoney And Yandex money.

The Zen Money application is, first of all, a client of the online personal finance accounting service of the same name. It has advanced reporting. Planning and goal setting functions are well implemented.

Although this client uses only part of the capabilities of the online service, even these should be enough to manage his budget.

Toshl Finance Budget & Expense

The application we want to end our review with best managers finance, has a simple and “childish” interface. But this should not be misleading. This program is quite “adult” and is no different in functionality from most of the ones described above.

Another feature of Toshl Finance Budget is the sound effects that accompany every user action, as well as characters who give advice. Which, unfortunately, are “crookedly” translated into Russian.

If you are tired of strict managers with many functions you don’t need, this application can perfectly replace them. Here, when creating a transaction, you can specify its type, date and amount. No more is needed.

The budget planning function is well implemented in this application. It is also possible to create templates for regularly occurring payments and account replenishments. The remaining budget can be carried over to the next month.

Data export is available in all popular formats: Excel, CSV, Google Docs, etc. It is possible to create synchronization with an online service.

VIDEO. Personal Finance Financial accounting. Drebemoney Android app

There are many financial accounting apps available on Android. And even though this is far from the most popular category of mobile software, the choice here is more than worthy. This review includes 10 applications from among the most popular in their segment, and each of them has more than 1 million installations with Google Play.

Financial accounting programs allow you not only to receive detailed statistics for all operations, but also to get rid of the need to keep unnecessary information in my head. It is unlikely that anyone will remember how much he spent on the trip or new TV 3 years ago, but if you save this data in the application, it will not disappear anywhere.

Mobile software for accounting financial transactions is much more convenient than desktop software, not to mention storing information in Excel or paper notebook. Here you can not only quickly enter data, but also find information about completed operations, make changes, export the database or restore it from a backup.

Nevertheless, desktop programs are still much more functional, and they will not leave the market, because they are necessary for serious processes such as monitoring the expenses and income of entire organizations. However, modern mobile applications are much better suited for accounting for personal finances. With very simple and convenient management of operations, they contain all the tools necessary for this, and the device itself, unlike a computer or laptop, is always at hand.

Most mobile apps for financial control allow you to create multiple accounts various types– credit or debit cards, deposits, various assets, etc. When creating an account, the name and initial balance are indicated. Typically, various currencies are supported - rubles, dollars, euros, and when entering data on operations to convert them, the rate can be set manually.

Some financial managers have a web version and tools for exporting to XLS, CSV and other formats. Even in the absence own service on the Internet, many similar applications are integrated with Dropbox and Google Drive, so backups and spreadsheets can be saved in the cloud.

When choosing a financial accounting program, you should take into account not only convenience and functionality, but also security. If possible, no one other than their owner should have access to information about the status of accounts. For this, manufacturers similar programs sometimes they implement additional protection using a PIN code or graphic key, different from the one that unlocks the screen in the operating system.

The 10 personal finance apps featured in this comparative review were rated out of 5 based on functionality and usability. When determining total score for each of them, the availability of a web version, paid content, tools for cloud synchronization and data export to office formats.

Controle Financeiro Mobills is a personal finance manager with many advanced features. It has not been translated into Russian, but the Russian ruble is still present here in the list of currencies.

To create an account with Controle Financeiro Mobills you will need an email. The account allows you to synchronize data with the cloud and log in from other devices. In the absence of export to a memory card or integration with services like Dropbox, this is the only tool Reserve copy.

Visually, Controle Financeiro Mobills looks quite stylish and modern. The interface is very informative and easy to use. All tools can be accessed directly from the main screen - account status, search, notifications, synchronization, etc. Various graphs with reports on completed actions are also displayed.

When adding new transactions in Controle Financeiro Mobills, the account, description, date, category are indicated. There are also tags, notifications and file attachments. The user manually manages accounts - sets names, starting balance, selects currency and other parameters.

All transactions are added quickly, and the only drawback here may be the lack of detail - Controle Financeiro Mobills does not support subcategories.

Almost everything is presented in the application necessary funds to control finances. Here you can manage your budget by limiting expenses to certain categories, view transaction reports for any period, and much more. There is also a set of widgets and even a web version of the service.

Controle Financeiro Mobills can be considered one of the leaders in its segment, although there are a number of disadvantages. If the lack of subcategories and Russian localization does not create significant inconveniences, then the need to switch to Premium after completing a two-week trial period is unlikely to please users.

A paid subscription removes the limitation on the number of accounts and the ability to generate reports and budget planning. At the time of writing, the price of this service was about 500 rubles per quarter, which is quite significant.

Overall, Controle Financeiro Mobills receives 4.4 points out of 5 possible.

CWMoney makes it easy to control your personal expenses. There are tools for effective management of different accounts and cloud synchronization.

The appearance of the application makes a rather positive impression, although it is not without some shortcomings. In principle, there is no Russian language here, but some menus, for example, news, are not even translated into English. The interface is moderately convenient - all necessary information about the status of accounts is displayed on the main screen along with control elements.

From here you can quickly add a new account, enter data about a completed transaction, or make a backup either to a memory card or to Dropbox or Google Drive.

There are no questions regarding the functionality of CWMoney. Here you can quickly enter data, change categories and subcategories of operations, and generate reports. The application supports export to XLS and CSV formats. When adding a new operation, the cost, date, category, account and project are indicated. If desired, a voice note and geotag can be included in the description.

When generating a report in CWMoney, the period and type are indicated - the data can be presented in the form of various graphs. The mechanism for adding accounts is not much different from other financial managers - you only need a name, initial balance and type - card or deposit.

If the user wants to change color scheme design, this can always be done in the settings. There is also a widget included with the program.

CWMoney provides the entire range of tools needed to manage personal finances. Unfortunately, this statement is true only for the paid version, which costs about 200 rubles. The free version of the application does not have some functions, for example, exporting data to CSV, and most of them are not available here additional topics design, but the Russian language is not in any of the versions.

The final score for CWMoney is 4 and a half points.

Money Lover is one of the most functional applications in its segment. With it you can quickly enter data about completed transactions, analyze expenses and income, and plan your budget effectively.

You will need an email address to log in to Money Lover. After creating an account in the application, it will be used for cloud synchronization and login with different devices. In the free version of the program there can be no more than 5 connected devices, all of them are displayed in the account management menu.

The appearance of Money Lover is almost flawless. In terms of intuitiveness of control and user-friendliness of the interface, this is one of best apps in its segment. On the main screen there is a set of tabs with transactions for different periods - the current day, past days, future expenses, etc.
Tabs can be easily switched with a horizontal swipe.

You can also access operations searches, notifications, budgets, reports, and more from the home screen. The developers managed to successfully place the control elements in such a way that almost all functions are available in one place.

In Money Lover you can quickly create new accounts or enter transaction data. In the latter case, the description will include cost, category, subcategory, date, write-off account and note. The application has many advanced functions - export to XLS and CSV, search for ATMs on the map, generate various reports, etc.

In Money Lover, almost everything can be customized - language, appearance, exchange rates, categories of expenses and income. In addition to the smartphone version, a web service is also available.

Money Lover can be considered one of the best programs for monitoring personal finances. Its only drawback is the limitations of the free version. It does not allow you to connect more than 5 devices to one account, and there are also limits on budgets and accounts.

Premium is a one-time purchase for $5 and removes all of these restrictions, including ads. And although the price is not that high, and the purchase is one-time, for most users the free version will be more than enough.

Total Money Lover gets 4.6 points.

Monefy is one of the most convenient applications for monitoring personal finances. It allows you to quickly enter data on any operations and synchronize the database using the cloud.

Visually, Monefy looks very unconventional, but at the same time quite stylish. In the very center of the main screen there is a pie chart with a report on current operations. Around it there are category icons, the location of which changes depending on the costs for the current period.

The state of the diagram changes in accordance with the data on completed operations. The controls are very simple and clear - to add expenses there is a red button with a minus sign, for income there is a green button with a plus sign.

The description of any transaction includes the amount, note and category. You can add your accounts by entering a name, starting balance and selecting an icon. The list of categories of expenses and income is also subject to editing. Subcategories are not supported in Monefy.

For backup, in addition to Dropbox, export to CSV or saving the database to a memory card is available. Monefy has ads turned off by default, but the free version has many limitations. For example, here you cannot manage budgets, use additional currencies, or change categories.

In addition, Monefy Pro costs 160 rubles and includes password protection and an additional widget. It is worth noting that some of the above functions are only available for a fee, but some of them can be used by enabling advertising in the application.

Monefy can be called one of the most convenient applications in its segment, but for the sake of this, the developers abandoned many additional funds on financial management, including detailed reports and subcategories. Moreover, in the free version they even cut basic functions like multi-currency transactions.

Monefy only gets 4.3 points.

Expense Manager is a compact program for controlling expenses, which has all the basic functions for effective monitoring of any operations.

There is no need to register in the application, since it does not have its own service for synchronizing data. Nevertheless, the developers have provided the ability to backup and restore both from a memory card and using the cloud. Expense Manager is integrated with Google Drive and Dropbox.

Visually, the application looks somewhat primitive, but the interface is moderately convenient. Almost all available tools are provided in the main menu - transactions, budget, summaries, expenses, income, etc. The user can quickly add new accounts and edit categories.

The description of transactions indicates the date, amount, payer, category, subcategory and method of payment. It can be supplemented with a text comment or attached a photo.

Expense Manager allows you to set up a budget to limit expenses to certain categories. There is also import and export to CSV format. The application comes with a desktop widget.

There are a lot of settings in the Expense Manager - appearance, currencies, list of recipients, etc. There is also PIN code protection, which allows you to limit access to the program.

Expense Manager is one of the most optimal applications in terms of combining convenience with functionality. Despite its compactness and simplicity, it contains all the necessary tools for managing accounts in different currencies, generating detailed reports and exporting data.

There are also very exotic functions such as loan calculators and automatic processing of incoming SMS messages from the bank, and all this is available in the free version. Pro version on this moment costs 350 rubles and is no different except for the absence of advertising.

Expense Manager gets 4.6 out of 5.

Money Manager is a convenient finance manager from Realbyte. It allows you to control personal expenses and receive reports on transactions.

Money Manager does not have its own synchronization tools, so backups are carried out using cloud services type Google Drive or by saving the database on a memory card. Export as tables in CSV or XLS extensions is also available.

Money Manager has a stylish and user-friendly interface. There are 5 tabs on the main screen - accounts, day, week, month, total. They are switched with a horizontal swipe. New operations are added very quickly and contain detailed description– type, account, category, amount, etc.

Data monitoring in Money Manager is carried out using various graphs in the form of pie charts. The application conveniently manages your accounts and cards, as well as make transactions in various currencies. There are many types of assets - loans, deposits, loans, etc.

Money Manager has a number of advanced functions - repeating operations, adding to favorites, convenient search by content. In the settings you can change the main currency, appearance or activate password protection. Money Manager does not have a web service, but there is a PC version.

Among other things, we can note a set of desktop widgets with which you can control expenses and quickly add new operations.

Money Manager is one of the best finance managers for Android. The application has practically no drawbacks; even the paid version does not limit the functionality. It differs only in that it does not contain advertising and limits on the number of accounts. Also, without it you cannot access the PC version.

Total Money Manager gets 4.7 points.

Finance PM - simple and convenient application containing basic set functions for monitoring financial transactions.

To synchronize data with the web version of the Finance PM service, you will need to create an account in the application. Database export is also available here for backup and recovery. The backup can be saved to a memory card or sent by email.

The appearance of Finance PM leaves much to be desired and the ability to change the color scheme in the settings does not solve the problem - the icons and fonts still look bad. This has practically no effect on the ease of control; in this regard, no problems are observed. All means for controlling financial transactions are presented in the main menu - income, expenses, accounts, transfers, settings and much more.

In terms of functionality, Finance PM is not surprising. All basic facilities here in place - editable lists of categories and subcategories, reports, quick addition data. The description of transactions must indicate the write-off account, amount, date, category, etc.

Finance PM copes well with its task and will certainly appeal to those users who do not need extra bells and whistles. All available tools are available from the main menu - entering data on new transactions, editing accounts, settings.

Finance PM has filtering, which allows you to change the selection of information on the main screen of the application. There is also the ability to create events using templates, password protection, adding new currencies and exporting to XLS format.

Finance PM has one significant drawback - the paid subscription model. If disabling advertising costs a little more than 300 rubles and the fee is charged at a time, then unlocking all functions will cost much more - from 100 rubles per month to 1600 for a license without an expiration date. The free version of the application has a number of restrictions on data export, number of wallets, etc.

Overall Finance PM gets only 4.3 out of 5.

Spending Tracker allows you to effectively control financial transactions on mobile devices under Android control and iOS. It has all the necessary tools to track expenses, income and export data.

Create account Spending Tracker is not required, since synchronization here is carried out via Dropbox. If desired, you can enable automatic backup to the cloud.

The appearance of Spending Tracker is quite dull - the developers did not use the most suitable combination of colors and non-standard handwritten fonts, which do not look in the best possible way. Nevertheless, the management is moderately convenient - you can quickly add operations, view reports, etc. The ruble is available in the list of currencies, but the application itself is not translated into Russian.

When adding a transaction, the amount, date and category are indicated. You can also attach a text note to it. Operations can be repeated - once a week, month, etc.

Spending Tracker has standard functionality - reports, export to CSV, budget management, changing categories, etc. It also has password protection and a desktop widget.

Spending Tracker is far from the most advanced application in its segment. Many users will not like the lack of subcategories and the level of detail in reports on completed transactions. The paid version of the program costs $4 and differs only in the absence of advertising and some minor features such as export to PDF.

Overall, Spending Tracker receives only 4.2 points out of 5.

Goodbudget is a financial monitoring application with a very unconventional concept. It consists in the fact that special envelopes are used to plan the budget and enter data on operations, each of which contains the amount of funds intended for a specific expense item.

When you first start Goodbudget, it is advisable to register an account by entering your email. This is necessary not only for synchronizing data and logging in from several devices, but also for authorization in the web version of the service.

Visually, Goodbudget looks pretty good, and the controls are quite convenient. There are 4 tabs on the main screen - envelopes, transactions, reports and invoices. They are switched with a horizontal swipe. Envelopes are essentially budget control.

The amount of funds in each of them is set for a certain time period, for example, a month. If the envelope intended for food expenses contains only $100, then this figure will be the limit for the corresponding category of expenses.

In the description of transactions, you must indicate the date, amount, envelope, etc. Transfers between your accounts are also possible here. The mobile application has tools for generating reports in various formats. The capabilities of the web version of the service are somewhat expanded - from it you can export data to CSV and receive more detailed statistical summaries.

Goodbudget does a good job of its purpose, but the non-standard concept of envelopes for budget control is unlikely to be clear to all users. Moreover, there is no Russian language, and the free version has a number of limitations. For example, it cannot connect more than 5 devices to an account and there are limits on the number of accounts and envelopes. Goodbudget Plus costs quite a lot - from $5 per month to $45 per year.

The overall rating on a 5-point scale is 4.4.

Conclusion

Of the ten personal finance apps selected for this review, nearly all received high overall ratings on a 5-point scale. No outright outsiders were identified - the minimum score was 4.2, the average was 4.5.

AndroMoney, as expected, tops the rating with a rating of 4.9 out of 5. This application can truly be considered an excellent symbiosis of convenience and functionality. We agree with this Google users Play, where AndroMoney is significantly ahead of its competitors in terms of the number of ratings and average score.

Money Manager is in second place – 4.7. This is a very convenient application for monitoring financial transactions, but there is no web version and no subcategories. Third place was shared by Expense Manager and Money Lover – 4.6.

Goodbudget, Controle Financeiro Mobills and CWMoney performed well – from 4.4 to 4.5. Only Monefy, Finance PM and Spending Tracker are left behind - each of these applications has noticeable shortcomings, which are often caused by limitations in the free version. To withdraw them, you usually need to buy a subscription.

If you pay attention to the second table, you can see that 10 out of 10 applications contain paid content in one form or another. In some places this is a one-time purchase for 200-300 rubles, in others an annual subscription costs from a thousand or more. Usually some functions are not available in free versions.

Export to office formats (most often we're talking about about tables in CSV or XLS extensions) are supported by 9 out of 10 programs - the only exception is Controle Financeiro Mobills. Backup tools are available in all applications. Most often, integration with Google Drive or Dropbox is used for these purposes.

For the two remaining indicators, including the presence of a web version and subcategories for operations, the ratio was exactly 50 to 50. Perhaps many developers consider these parameters to be secondary. Only AndroMoney, Money Lover and FinancePM received 5 out of 5 pluses for the indicators from the second table.

Despite the fact that AndroMoney is the clear leader in most parameters, the other 9 applications also performed quite well. When choosing software for controlling personal finances, you should pay attention to all parameters, including minor ones, because transferring the database from one program to another in the future will not be so easy.

Almost everything is important here - from convenient control before having subcategories of expenses and income, because without this it will not be possible to achieve high detail in reports.

Applications for tracking expenses and income will allow you to monitor your spending. Everyone has experienced the feeling that yesterday your wallet was full, but today there is only one lonely piece of paper in it. Therefore, to know when and how much you spent, this section Special funds have been collected for budget planning. Now you can correctly balance your expenses and income directly from your Android phone without unnecessary hassle. In this section you can download programs for accounting expenses and income accounting absolutely free of charge without registration or SMS.

10.07.2018

Wallet- personal finance, budget, banks and schedules will help users manage their in cash, take into account expenses and income. Android wallet will help you create a dynamic financial plan. You can find out where more money is spent and try to save money in order to achieve your goal and buy an expensive purchase.

07.09.2016

CoinKeeper — convenient way take control of your expenses and income. The application is suitable for news lovers home accounting, for those who want to be aware of their financial opportunities. By controlling your expenses and income, you can plan your budget and save for something worthwhile. What do you want to purchase?

22.07.2016

Money Lover expense accounting– a program that will competently coordinate your finances. Using an electronic wallet, you can record your expenses and keep a history of your income. The utility has several reporting periods, which optimizes regulation and balance assessment. Join millions of happy users who have achieved maximum savings with Money Lover.

20.07.2016

Monefy - convenient expense accounting– a great manager for maintaining financial history with many nice bonuses. The wallet has the simplest and most intuitive interface. All tools and functions are as accessible and intuitive as possible. Setting up the program takes less than half a minute.

19.07.2016

AndroMoney- one of the most effective and simple applications to calculate the balance of money in your wallet. The effectiveness of the utility lies in the speed of all its tools, as well as in the competent sorting of categories. The Financial Activity Companion will always tell you the right way to organize your budget.

14.07.2016

Markswebb Rank & Report, at the request of RBC Money, tested 11 of the most popular Russian-language applications for monitoring and planning a personal budget and selected the best

​The first step to saving money is to analyze your own spending, financial advisors say. The most convenient way to do this is with the help of PFM (Personal Financial Management) services, which automatically evaluate your expenses and present them in a form convenient for analysis. Russian PFM applications can be divided into two groups: banking applications built into online banks, and services from independent developers.

The problem with banking applications is that in most cases they analyze expenses on accounts and cards in a particular bank, while most Russians usually use the services of several credit institutions, and often spend cash. However, in some bank applications (for example, Sberbank, Alfa Bank and Russian Standard) you can manually enter expenses in cash.

Banking applications are essentially just an addition to online banks. Therefore, we decided to evaluate independent applications for controlling personal finances. They can be used by anyone without being tied to specific banks. At the request of RBC Quote, the Markswebb Rank & Report agency selected the most popular apps for home accounting iOS platforms and Android and tested them. Web versions of services were not evaluated (see table for detailed methodology).

Manual control

The key disadvantage of independent mobile PFM services is the need to enter most of the data manually. For example, none of the application developers analyzed by Markswebb Rank & Report were able to properly recognize bank SMS messages about transactions. Domestic Easy Finance and Zen-Money went further than others.

Both programs allow you to import bank statements in several formats. True, entering this data is only possible in synchronization with mobile application web versions. Moreover, the RBC Quote correspondent on the Easy Finance website did not manage to do this correctly the first time.

And in order to set up automatic entry of transactions in the Zen Money application, you need to set up redirection emails bank about completed transactions to the e-mail provided by the developers of this project. Thus, you can automatically enter card transactions from, for example, Citibank, VTB24, and Bank St. Petersburg into the application. In total, the service offers synchronization of expense data in one way or another with eight banks.

The MoneyWiz and Money Pro applications developed in the West allow you to import bank statement data in the OFX (open financial exchange) format, which evolved from the financial exchange format. Microsoft data. It is quite popular among American and European banks, but is rarely found in Russia. Although, for example, Raiffeisenbank makes it possible to download account statements in three formats, including OFX.

"Zen Mani"

In other applications, you will have to create “accounts” corresponding to bank ones, into which you need to independently enter data on income and expenses. In some, you can account for expenses and income in cash, according to bank cards, deposits and other financial products.

The most complete and convenient options for setting up accounts are offered by the Zen Money and Money Pro services, according to Markswebb Rank & Report. Other apps, such as Spender and Spendee, track all expenses without linking them to specific accounts. Such applications, according to Markswebb Rank & Report, will be convenient for those who primarily use cash and do not use bank cards.

All applications have a default list of expense categories, which can be edited by adding new categories and removing unnecessary ones. Based on test results, Markswebb Rank & Report considers the most convenient applications for setting up categories and subcategories of expenses (for example, in the “Car” category - the ability to create new subcategories “Service”, “Gasoline”, “Insurance”, etc.) CoinKeeper, Home Budget, MoneyWiz and Money Pro.

CoinKeeper

MoneyWiz and Money Pro, among other things, allow you to divide the transaction amount into parts tied to different categories of expenses (for example, the amount spent in a supermarket can be divided into several categories). You can also add comments and photos to an expense transaction.

MoneyWiz

Cost Analysis

The most complete and convenient opportunities for visualization and analysis of collected expense data, according to Markswebb Rank & Report, are offered by the CoinKeeper and Spendee applications - in them you can see the distribution of expenses by category in the form pie chart, you can track the dynamics of expenses by month, by individual categories.

In terms of the ability to export expense data, backup and synchronize data with other devices, the most functional applications are Home Budget, “My Money with Money” and MoneyWiz, according to Markswebb Rank & Report.

“In the end, we found five services to be the most convenient and visually attractive,” says Alexey Skobelev, CEO of Markswebb Rank & Report. Here they are:

— Spendee Suitable for students and those who hardly use it banking services.

— “Zen Money” and CoinKeeper— attractive and convenient applications for simple expense tracking. Suitable for those who use cash and several bank cards at the same time.

— MoneyWiz and Money Pro — complex applications with a lot of settings. Suitable for those for whom a variety of functions is more important than convenience.

In addition to analyzing expenses, applications often ask you to set certain goals - to save the necessary amount of money, for example, for a car, or to create a financial “cushion” for six months. Application developers (in in this case Easy Finance) have fully absorbed the advice of financial advisors. This one - about the need to have enough money for six months of comfortable existence just in case - is one of the most favorite.

As well as advice to monitor your expenses. CEO Personal Advisor Natalya Smirnova says she asks her clients to provide income and expense reports two to four times a year to track their financial health. But to achieve long-term goals, she creates an individual plan.

Money Pro

PFM services - useful tool for analysis and minimization daily expenses, but they are not enough to save for long-term financial goals, agrees Anton Graborov, director of customer service for the BCS financial group. “You need not only to save, but also to understand how to properly invest the accumulated funds. This question is answered personally financial planning, which analyzes a person’s individual financial situation,” he says.

So far, PFM services are not very popular among Russians. According to the Managing Director for e-business Promsvyazbank Algirdas Šakmanas, bank service for planning personal budget “Smart Money” is connected by every fifth Internet banking user. The “My Expenses” service, which became available to users of the Alfa-Click Internet bank in December 2013, is used monthly by 12% of clients, says Yuri, head of the development and innovation department of the Alfa-Bank Internet bank. Chernyshev.

Maintaining home accounting is a guarantee of maintaining wealth in families. Users can control their finances both the old fashioned way, that is, in notebooks, and in modern ways, by installing appropriate applications on computers. This review will select best program to account for income and expenses.

HomeBank

A free utility that allows you to do home accounting. With this the user can control family budget, analyze expenses, etc. The application allows you to import data from the Quicken service and management utilities personal funds. The program for accounting income and expenses works with QIF, QFX, CSV and OFX formats.

Incoming transactions are automatically added to the database. The user can enter tags and edit several lines at the same time. This will speed up the work and simplify the settlement process. The application allows you to create an annual or monthly plan for each category, as well as generate dynamic reporting that reflects your current financial situation. For clarity, diagrams are added to the text.

"Family Budget Lite"

In order to get started with this program, you just need to indicate your income and expenses in the appropriate columns. All operations are performed automatically. Data is reported in several main categories. In the program, you can keep monthly records of loans, deposits, etc. When specifying the names of goods, the application automatically selects the required category from the list.

For creating detailed report you need to make 1 click with the computer mouse. The program works with HTML, BMP, TXT formats, as well as MS Word and Excel. If necessary, you can print and save the document. Each user who wants to work with the utility needs to register. The password can be set when starting the program.

Searching for invoices is very convenient. The user can customize the search results using several filters: “product”, “date”, etc.

"Family Accounting"

The utility allows you to analyze and control income. The user will learn to plan expenses and think through a budget. He will no longer have to remember where the funds set aside for important purchase. The program allows you to keep records of revenue and debts in various currencies and analyze financial transactions.

The user can not only work in the application independently, but also provide access to other people. Each participant in the system will have their own credentials. The program for accounting income and expenses creates archival copies of the database, which are saved for later restoration or export to Excel.

CashFly

This is a simple and very user-friendly utility. The PC owner can create visual, multi-level structures and complex graphs that display input data and other important financial information. Here the user will find address book, a list of enterprises and a personal diary.

The organizer allows you to save notes about important events. The utility was created to keep track of income in any currency, carry out planned operations and print information. To restrict access to the database, the user must set a password.

"Home Accounting Lite"

This utility is designed for daily accounting of incoming funds. The user can systematize personal and family expenses. Owners will also like the app small firms and enterprises. The interface of the program for accounting income and expenses of individual entrepreneurs is simple and understandable. To work with the utility, it is not necessary to have special knowledge in the field of accounting.

The user can take into account income, expenses and other transactions. There is no limit on the number of accounts in the program. The user can select a currency, adjust the interface to suit their own needs, and look for answers to questions in a special help system. To start working with the application, you must enter your username and password.

AbilityCash

Using this application, you can keep financial records both at home and in an organization. The user gets access to a large number options. At the same time, the demon paid program accounting for expenses and income does not take up much space on your PC. The utility's interface is quite simple. Thanks to this, the application can be used without special knowledge and skills.

The program allows you to adapt any function. The user can keep separate records for each item of personal expenses. He does not have to enter data into the proposed category. Accounting for incoming funds is carried out in any currency.

Using this utility, you can create a plan for cash receipts and expenses for any period. The program helps you accumulate the required amount of money within a specified time frame.

Personal Finances

Another convenient app for managing money. The developers invite users to download trial version income and expense accounting programs for free or purchase a license. The utility has a user-friendly interface. Using the demo base, you can master the program in short time. The application allows you to control the expenses of all family members, track bank deposits and loan payments, and plan a budget in different currencies.

The user can transfer money from one account to another, view a list of debts, and create reports on selected categories. The utility was created for operating systems Windows and iOS. The application can also be launched from a USB drive.

Family Pro 11

This is another paid program for tracking income and expenses for the home. The developers offer PC owners to download a trial version of the utility. This is necessary so that the user has the opportunity to explore all the options and understand whether he will purchase a license. The interface is convenient and clear. The application can be mastered in a few hours.

A program for tracking income and expenses allows you to track loan payments, create goals, and plan a family budget. The user can save reports for a specified period and synchronize with other devices. The disadvantages of the utility include the lack of an option to add categories.

Keeping a book of income and expenses in the program is very convenient. To store data, just install the utility. After this, the PC owner can begin to make calculations, while simultaneously systematizing income and other financial transactions.

conclusions

Users who want to work with a full-featured utility will appreciate the HomeBank and CashFly applications. The Family Pro 11 program will be chosen by people who know how to succinctly manage a family budget.