Income and expense accounting application. Review of mobile applications for personal financial accounting

“A penny saves the ruble.” This old saying remains relevant today. It is necessary to control your personal finances, otherwise unplanned expenses will not only eat up your entire salary, but can also put you in debt. If you make regular loan payments, pay a number of bills, support your family, or spend money on medicine, keeping track of your personal finances becomes critically necessary.

Counting money is also useful when you are saving for something serious: children’s education, a house, a car, a trip. The balance between saving and spending is very important, because it is always useful to have a “financial cushion” for a rainy day.

Today we will talk about programs that help control personal finances. We will look at solutions for tablets on Android and iOS.

Personal finance accounting programs - overview

Programs for accounting and control of personal finances have a number of similar capabilities.

The availability of certain functions depends on the specific product, but the main capabilities of the programs are as follows.
Carrying out financial transactions. At the same time, programs can support multiple currencies, be able to attach notes and files to transactions, edit lists of recipients and payers, have pre-defined transaction categories, allow you to add recurring transactions, use tags and lists of transactions.
Financial account management. This includes the ability to support multiple accounts, predefined accounts, the ability to add new account types, make transfers between accounts, and account for loans and borrowings. It is not always necessary to use accounts to make payments.
Budget management. The programs allow you to create budgets, maintain a single or family budget for all expenses, plan and forecast budget expenses.
Graphical representation of data. This includes histograms, graphs and trend lines, charts of various types (pie, dot, etc.), tools for creating graphical reports based on specified parameters and filters.
Financial planning and calendar. The ability to mark recurring expenses, future expenses, retrospective analysis tools.
Interface management. Ability to create your own themes, upload custom icons and icons, use landscape mode.
Data export. The ability to upload data in various formats (CSV, QIF, HTML, etc.), the availability of custom data upload formats, the presence of a desktop client, the ability to synchronize with the cloud or computer.
Reminders, notifications, invoice statements, password protection.

Programs for controlling personal finances on Android

MoneyWise

The design of the application cannot be called intuitive, but the depth of its functionality is impressive. The program allows you to sort expenses by date, category, linked account, and supports all world currencies, including rare ones. Expenses can be classified according to a number of customizable parameters, for example, to separate personal expenses from corporate ones. Ability to build graphs and diagrams, create, plan and forecast budgets, use recurring operations. The application allows you to work with several accounts and budgets, sort and analyze data over different time periods, use categories and labels, and customize the interface. Creation of backup copies is supported, incl. to SD cards.

Data is exported to HTML, CSV formats; the program does not require an Internet connection. Information can be protected with a password.

Personal Finance Family Budget

A very functional program with a rather complex, albeit pleasant, design. Allows you to control income and expenses, work with loans and borrowings, convert currencies, carry out advanced analysis of your finances, planning and forecasting cash flows. A large number of customizable reports. You can create an unlimited number of your own transaction categories and subcategories. The program allows you to fully account for and control monthly expenses, as well as deposits and set aside funds. The product was developed using 1C 8.

The program allows you to create backups, export data to CSV, and protect information with a password. Supports a range of languages. An Internet connection is not required for the program to work.

Personal financial manager (Finance PM)

The application is distinguished by rich functionality and thoughtful design. The program allows you to create different accounts in different currencies, plan goals, set spending limits, create your own categories and subcategories (there is an advanced hierarchical structure). It is possible to plan recurring operations, set new currencies, and import data. Operation templates are available. Synchronization with multiple devices is available.

Data can be protected with a password. Export in XLS format is supported.

Whallet

The application has an intuitive, pleasant design containing pastel shades. The program is easy to learn and does not require special skills or knowledge in the financial field. It allows you to classify income and expenses into categories, add your own categories, compare income and expenses in different months, and share information with friends.

The product supports English and Spanish.

The program has an intuitive design and a user-friendly set of functions. The product is suitable for those who do not need in-depth statistical analysis and forecasting, but still need to manage their cash flows. The program allows you to create budgets, plan personal expenses, create your own transaction categories, and use a calendar. A number of languages and 45 types of currencies are supported. Data can be saved and restored.

Rise Money

The program has a good balance between functionality and ease of use. The design is intuitive, all graphs and reports are very clear. The product allows you to use multiple accounts, edit transactions and categories, and makes it possible to create multiple budgets. Accounts can be maintained in various currencies, there are widgets for displaying balances, and there are several types of reports and charts.

Data can be archived and restored, and exported in CSV format. The program supports synchronization, data can be protected with a password. Russian and English languages are supported.

Programs for controlling personal finances on iPad and iPhone

The program has a stylish design and an intuitive interface. The graphics are made in the form of pencil drawings, the overall design of the product resembles an expensive diary.

The product allows you to work with several currencies, add lists of senders and recipients of transactions, and has a number of predefined transaction categories. It is possible to work with several accounts and transfer funds between them. MoneyWiz makes it possible to create budgets, plan and forecast expenses for them. You can protect your data with a password and set reminders for important events.

The program has a calendar, various types of charts and graphs, and allows you to export data to CSV and QIF.

CoinKeeper

The program is interesting from a design point of view. At the beginning of work, educational elements will appear that explain the purpose of certain product functions. The movement of funds is carried out by dragging coins. The program can automatically plan expenses and budgets based on the earnings specified when starting, or you can also plan everything manually. It is possible to set financial goals. The program has game elements, you can develop skills such as “Thrift” or “Prosperity”.

The product supports working with multiple currencies, makes it possible to set lists of payers and recipients, work with multiple accounts, create and forecast budgets. Visualization includes histograms, pie charts, and reports filtered by specified parameters.

Data can be password protected and there are notifications. Export is possible in CSV format, there is synchronization with a computer and the Internet.

HomeBudget with Sync

A functional application that allows you to take into account daily expenses, dividing them into categories with subcategories, control money in different accounts and in different currencies, and also use exchange rates and available income in calculations.

The design of the program is quite simple, the emphasis is on functionality. There is the possibility of deep customization of categories and subcategories of expenses. The program allows you to customize lists of payers and recipients, create, plan and forecast budgets, including single and family budgets, a calendar, schedules and reports with filters are implemented. It is possible to customize, use a password, and create statements. The program synchronizes with the computer and the Internet.

CashSync

The application has a nice design in pastel colors, the interface is intuitive. The product allows you to share money accounting (with family, friends, etc.), supports iCloud, and has a built-in calculator and currency converter. It is possible to create interactive reports. The program is adapted for travelers; it is possible to keep records of data in one country in the currency of another state.

The calendar makes it possible to plan transactions and receive reminders about important events; pie charts and reports with filters are available from the visualization. The product, unfortunately, does not provide the ability to create and manage budgets, and it is also impossible to customize the interface.

Data is exported to CSV and is password protected. Synchronization is only possible with iCloud; there is no desktop client.

Spender

The product has a minimalistic and intuitive design. There is no need to waste time mastering the functionality; in just a few seconds you will be managing your finances. The application allows you to see monthly and total balances, makes it possible to group income and expenses, and add your own categories.

The program supports one account, allows you to add your own transactions, and makes it possible to create budgets, including a single one.

Unfortunately, the application does not allow export or synchronization. There is no ability to present data in the form of graphs or charts. Also disappointing is the lack of a calendar, custom reports and the ability to customize the interface. But the program is easy to learn and allows you to manage personal finances quickly and efficiently. Data can be protected with a password.

Control of personal finances is a common phenomenon in the West; in Russia this phenomenon is becoming increasingly popular. Accounting for your own money allows you not only to minimize expenses and eliminate unnecessary expenses, but also promotes the development of personal discipline and stimulates a rational and conscious approach to life.

If you are one of those people for whom every penny spent is important, then most likely you will be interested in this a selection of mobile applications for home accounting and personal finance on Android. With the help of these applications, you can easily manage your income and expenses, make a plan, see the result in the idea of graphs and sort the money spent by category.

Today's review of the most popular home accounting applications includes: AndroMoney, Expense Manager, “Family Budget”, EasyMoney, CoinKeeper And "Home accounting".

AndroMoney

Category: Finance
Developer: AndroMoney
Version: 2.7.12
Price: Free - Google Play
Pro version for $5 – Google Play

AndroMoney– a multifunctional application for maintaining “home accounting” for Android. According to the developers, when creating this application, they wanted to make it with an intuitive interface, a huge number of different settings and additional functions that would help in the daily management of user expenses and income. It's safe to say that they succeeded.

Thanks to the wide functionality, every user will be able to find suitable reporting tools for themselves. A distinctive feature of this application is the fact that it allows you to set a budget for one day, month, year, or a separate budget for a selected category.

In addition to all that has been said, the AndroMoney application can create backup copies of your accounting records, saving them both to a memory card and to cloud storage Dropbox or Google Drive. Also, if desired, each user will be able to save their report in CVS format and continue working with it on a personal computer.

pros:

Convenient, intuitive interface;
Wide functionality and many additional settings;
Data backup;
Convert to CVS format for further work on a PC;
Password protection and much more.

Minuses:

During testing of the application, no cons were found.

Expense Manager

Category: Finance
Developer: Bishinews
Version: 2.0.5
Price: Free - Google Play
Pro version for $5 – Google Play

Expense Manager– there are currently several applications with a similar name on Google Play, but it is the application developed by Bishinews that, according to users, is the most popular and popular. This can be judged by the download counter in Google Play, which just recently reached 5 000 000 downloads.

The functionality of the application is huge, but the most important thing is planning your finances. Yes, the developers did not provide the program with a Russian interface, but in principle it is not needed, because everything here is clear and convenient. Initially, when we enter the program, we will see a template with several expense items, which, if desired, can be changed by going to the settings. You can also very easily view the required payments or look at a detailed and visual expense schedule.

Like AndroMoney, this application can easily backup your reports to Dropbox cloud storage or your device’s memory card. A distinctive feature of this application is the presence of a built-in currency converter, which, by the way, only works if there is an Internet connection.

In the Google Play app store, this program is available in two versions: a free version and a full version, which can be purchased for $5, but with wider functionality

pros:

Convenient minimalist interface;
Many useful functions;
View reports in graph idea;
Data backup;
Currency converter (only if you have an Internet connection).

Minuses:

Limited functionality of the free version;
Russian language is missing

"Family budget"

Developer: maloi

Version: 2.1.11

"Family budget"- an official mobile client for Android that exactly replicates the functionality of one of the popular web services for accounting. The developers claim that their service is the most convenient for planning expenses, and will also easily allow you to monitor the family budget and spend money more efficiently.

The application turned out to be no less simple and convenient, making it quite simple and convenient to use, and the presence of huge functionality allows you to easily monitor the financial affairs of your family directly from your phone or tablet.

Each generated report can be viewed in the form of graphs that more clearly display all the necessary information on cash expenditures. The application interface turned out to be quite convenient; there are no unnecessary elements or unnecessary functions. A convenient feature of this service is automatic synchronization with an Android device, which allows you to quickly and comfortably transfer data entered on the site using a PC to a mobile device and vice versa.

pros:

User-friendly interface;
Maximum settings;
Synchronization with the service;
Visual display of reports in the idea of graphs.
There is a “desktop” version of the service

Category: Finance
Developer: Handy Apps Inc
Version: Depends on device
Price: Free - Google Play
Pro version for $10 – Google Play

EasyMoney– the most expensive and most functional application in this category of applications. But judging by the number of downloads in Google Play The price of the application does not stop users at all, especially since there is a free version of the program and you can test the initial functionality on it, and only then decide whether it is worth spending money on this program or not.

Of all the functionality that the program has, I would like to note such features as: displaying interactive reports and charts, maintaining several accounts in foreign currency, maintaining a home budget and tracking investments and plastic card balances.

With the data backup feature, you don't have to worry about saving your reports safely. You can easily transfer all the work done to a memory card or export reports in format QIF (CSV).

pros:

Huge functionality;
Visual reports in the form of interactive graphs;
Transferring ready-made answers to a memory card;
Availability of a convenient widget.

Minuses:

Not entirely clear interface;
Lack of Russian language;
High cost for the full version of the program.

CoinKeeper

Category: Finance
Developer: IQT Ltd
Version: 1.5.3
Price: Free for the first 15 days - Google Play

"Home accounting"

Category: Finance
Developer: Keepsoft
Version: 5.2.128
Price: 4$ – Google Play

Bottom line:

Surely each of us cannot imagine life in the modern world without mobile devices. After all, with their help you can solve many important problems, for example, making a shopping list, listening to the radio on the road, and other equally interesting tasks that modern gadgets can do.

In today's review, each of the applications deserves your attention; the functionality of almost each application is unique and may be needed by different types of users. I made my choice in favor CoinKeeper, and which application is best for you is up to you to decide, of course.

Financial accounting applications perform several important functions. Firstly, they allow you to conveniently and quickly record income and expenses. Secondly, with their help you can view statistics for a specified period, and you can extract a lot of useful information from the statistics, which will help reduce costs.

There are many similar applications for Android - the Finance category on Google Play, for the most part, consists of them.

Participants of the first part of the review:

Mofix

The following applications will also be mentioned:

Financisto is a personal finance manager. It has a strict and uncomplicated interface. The functions are divided into four tabs. In the first tab, “Accounts,” balance information is available. The user can specify the type of currency for each open account and set the initial balance. Any number of accounts, in almost any currency, is supported.

Financisto synchronizes courses online and automatically converts them into the specified format. For example, account totals are displayed in home currency.

In the “Journal” tab, the user can familiarize himself with all the operations performed.

Actually, in this section you can create a transaction (income or expense), specify the recipient, account, project, currency, location, photo of the receipt and other accompanying information on payments.

The “Budgets” category stores funding data. In addition to the account, you can specify a (sub)category, project - in the future, statistics can be segmented using a filter. It is also convenient that money can be transferred to the balance at a specified interval (the function of scheduled and recurring transactions).

Among other things, it is necessary to note detailed financial statistics - they are available in the “Reports” tab. As follows from the above, expenses are segmented not only by accounts and categories, but also by periods, projects, recipients, etc. You can display data in the form of graphs and charts, and activate a filter to filter out unnecessary information.

Financisto configures automatic backups on a schedule. Copies of files are stored in the cloud (optional - Dropbox and Google Docs services). Manual import/export of reports in QIF/CSV formats is also possible.

Summary. Perhaps the main thing in Financisto is detailed and customizable statistics on all operations. The second advantage of the program is automation: budget replenishment and scheduled backups.

At the same time, some of Financisto's complexity may confuse users who only need the most basic operations. For simple transactions, other applications will be useful (see below).

Financius is a financial accounting application that will be of interest to users if complex tools are not required. Here, all operations are simplified, and you can understand the manager’s structure as you go.

To get started, you should create the first transaction and enter the expense amount. After this, you will need to create an account (or several) as a source. When creating an account, the user can select a currency, and exchange rates are synchronized with the server, maintaining current values.

Both expenses and income are divided into tags and categories. Accordingly, in Financius it is convenient to segment transactions by selecting the desired accounts and categories. In the transactions section, in chronological order, information about completed transactions is displayed: date, name, amount and account.

On the “Overview” page, Financius generates statistics, which can be viewed by selecting a reporting period: year, month, week or day. Statistics display expenses, balance, as well as trends - a graph of expenses and income for a specified period. When you click on the top block, information about expenses by category is displayed.

The program supports local and cloud (Google Drive) storage of backups and export of reports in CSV format.

Summary. Financius is suitable for simple accounting of income and expenses. There are no complex functions like replenishing the budget, setting goals, and automation is not available. Therefore, this product can be recommended purely for personal use.

ViZi Budget is a multifunctional financial manager for calculating both personal and family expenses. With its help, you can segment transactions, set goals, view statistics in various visual representations, and much more. etc.

The ViZi main page displays the current balance, information about income and expenses. To get started, you need to create accounts and, if necessary, additional categories.

The initial layout of the sections is not very intuitive. Order is established through the application settings; the interface adapts well to the user’s needs. Easily rearrange blocks on the ViZi main screen (current balance, expenses, income, accounts), navigation buttons, charts and other elements. In addition to this, there are widgets that display the balance on the home screen: small (1×1) and standard (3×1).

The initial account is indicated in any convenient currency. In addition, you can set the account expiration date, initial balance and card number. Exchange rates are synchronized with the server.

After adding an account and setting up income and expense categories, transactions are created. Settings familiar from other applications are used here: transaction type (income, expense or transfer), date, account, category and amount. You can create recurring events - that is, replenishment of your account on a schedule. A flaw was discovered in financial transactions: currency conversion is not available in ViZi, so you either have to make all transactions in one currency or convert using a calculator.

A few words about statistics. ViZi allows you not only to view transaction information, but also to track performance. For example, if income or expenses do not correspond to the planned ones, they will be marked with the appropriate “signal” color.

Reports are segmented by income and expenses, balance sheet, budget, categories, and you can also open an annual report. Statistics are presented not only as a graph, but also in a table. The CSV format is available for export, but synchronization is present only in the pro version of ViZi.

Summary. ViZi Budget offers convenient mechanisms for accounting for finances: accounts, categories, goals, etc. When managing a family budget, statistics presented in graphs and tables will be useful - as a result, it is easy to control what the money was spent on, when the budget runs out, etc. The only thing that complicates working with ViZi is the lack of a currency converter.

Mofix

Financial accounting applications typically offer a universal CSV format for export. Accordingly, reports need to be divided into columns for comfortable viewing. Which is not welcome in a situation with a mobile device.

Mofix keeps records of income and expenses in Excel - XLSX format. The statistics file is available for printing and viewing immediately, without requiring unnecessary manipulation of the columns.

The Mofix interface, in general, differs from other representatives of the review: it is minimalistic and does not contain prompts. The first two sections (with the − and + icons) are designed to track expenses and income, respectively. You can specify the category, account and amount, and all this is available in a “one window” mode. When entering the amount, you can first use a financial calculator. The third section is for transferring money from one account to another.

One of the most interesting features of the application is reading and parsing SMS received from the bank. Data from incoming messages is processed through a template and recorded in an .xlsx file, along with manually entered transactions. In addition to the SMS templates from the list, you can use custom templates created through a special editor.

The reports created within the program are very modest in visualization - more precisely, it is completely absent, not counting the marking of income and expenses. There are no filters, and the only way to create a selection is to specify a period: day, week, month or year. Apparently, the developers decided not to complicate the reporting, since in the same MS Excel you can customize charts of any type at your discretion.

To synchronize reports, it is easy to connect to Dropbox in Mofix. The file will be available on any device, and statistics can be viewed or changed in the spreadsheet processor.

Summary. Mofix is, first of all, operational reporting: quick addition of income and expenses, instant export to XLSX. However, in terms of visualization, the statistics still do not reach ViZi and many other participants. The application will also be useful for processing SMS with financial information received from the bank.

Money Lover does not frighten you with its complex interface, on the contrary: it seems that this is a “casual” and very simple application. However, as it turned out, there are plenty of interesting functions here, and ML gives a head start to most of the review participants.

The first step is to add an operation. When creating it, you can specify the associated contact, wallet, event and other parameters. The list of categories for expenses and income has already been determined; all you have to do is select the one you want. In addition, it is easy to create your own category and assign an association icon to it.

On the program overview page you can view the statistics or go to the full report. The reports look not only informative, but also beautiful, not far from infographics. The corresponding categories are marked with icons on the diagram - this is clear.

In the left panel, all transactions are grouped by wallet: you can view information about the transactions themselves, debts, trends and categories. Another notable feature of the app accessible from the sidebar is scheduling. Briefly described, Money Lover allows you to define a budget by category, set a financial goal, and also track expenses during your travel/event. In the latter case, all transactions are recorded “on account” of the trip, which is convenient for monitoring current expenses. To switch to travel mode, just toggle the slider in the Money Lover sidebar.

ML also includes various tools related to financial calculations. Among them: currency converter, SMS banking, tip calculator, interest rate, etc. Statistics are exported in CSV and XLS formats (the latter is only in the premium version). In addition, there is a function for uploading to the server and creating a backup copy of data.

The only complaint about the program is the lack of online synchronization of exchange rates, which is why you have to convert from one currency to another manually (by default, outdated data is used).

Summary. Money Lover has a good interface and rich functionality. The result is one of the strongest applications in its category. ML can be used for various purposes: direct accounting of income and expenses, budget forecasting, for family purposes, maintaining statistics while traveling.

Worthy of attention

Drebedengi is a client for synchronization with the online service of the same name; it is intended for joint or personal accounting of finances. It should be noted that without a paid subscription the application will not work fully, and some functions are only available in the browser version.

However, despite the strict connection of “Drebedeneg” to the server, the application is quite convenient for managing expenses and income. You can categorize finances, add accounts, and transfer money from one account to another.

Statistics can be tracked through the “Balance” and “Reports” sections. The latter provide information for the selected period - year, month, week or day, up to an hourly display of transactions performed.

The developers of the “Sea of Money” application accommodated the inexperienced user and simplified the tools as much as possible. However, the necessary functions are present: accounting for income and expenses in the specified currency, viewing statistics. Statistics are only available in the paid version of the application, as are reminders and periodic payments.

For convenience, expenses can be divided into categories, files can be attached to transactions and the location can be indicated. Export features include local and online statistics export in CSV and Dropbox format respectively.

Monefy is a client that is functionally similar to Financius. It is easy to learn, fortunately the user can refer to the application prompts.

The main feature of Monefy is the quick recording of income (Deposits, Salaries, Savings) and expenses (Food, Health, Nutrition, etc.). To do this, just click on the “+” or “−” icon, enter the amount and indicate the appropriate category. However, in the free version you cannot add your own categories.

It was also noted that although the currency type can be set when creating an account, the list is far from complete. Conversion is also not available.

Account statistics are displayed on the main page. It includes the current balance and information on all expenses and income. You can select the reporting period to display.

Synchronization is carried out through a Dropbox account, backup and export of statistics are available.

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.

Navigation

This application is one of the most downloaded in the Play Market in its category. 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. Using a swipe, you can call up the side menu, which contains such sections 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.

You can also import the database of this application without any additional settings into 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 areas 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. The Money Lover app has been downloaded more than 1 million times on the Play Market. 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, the free version cannot create more than 2 wallets and one budget. There are other restrictions, as well as the presence of 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, it cannot be used for more complex financial statements.

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 personal finance manager that 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 data at the time of conversion. To do this, the application requires an Internet connection.

All transactions 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 an amount will be automatically transferred using a template at a 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 manually 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". You can also place widgets on your home screen that display your 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.

Another interesting solution was to create 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? running on the Android operating system. Unfortunately, without a paid subscription to the premium features of this site, the client will not work. 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, etc.

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. Something that is not found in other applications of 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's top notch. 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 in 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 is distributed free of charge. But the free version has one 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 some 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. Moreover, “Zen-Money” is 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 with which we want to finish our review of the best finance managers 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

Money is like water - it flows through your fingers, no matter how hard you try to hold it. And figuring out where they flow can be very difficult. Few of us keep in mind the amount of daily small expenses, but it is they who create that very gap in the family budget that is not clear from where.

Have you finally decided to put your family finances in order? Don't rush to sign up for accounting courses. A computer program can become your personal economic advisor. Don't think that this is something complicated and expensive. Many programs for home accounting are completely free and do not require special knowledge of economics. They will open up channels of cash leakage for you, take on the responsibility of reconciling debits and credits, teach you how to plan your budget correctly and tell you where you can save. As practice shows, those who regularly use such programs have managed to reduce monthly expenses by 5-25%.

More than 15 years old, but users still consider this program one of the best among its analogues. It does not shine with sophistication of design, but it is very clear and simple, as can be judged even by the appearance of the main window. In addition, it is very functional: if you compare the capabilities of CashFly and the majority of free analogues, the first one wins in many ways.

Here is an incomplete list of what she can do:

Work without installation, which allows you to use it on different computers (for example, at work and at home). It is enough to unpack the archive with application files into a separate folder and save it on removable media or in the cloud.
Keep records of income and expenses for an unlimited number of items, several accounts and in different monetary units. Initially, the program contains US dollars and rubles, but you can add other currencies.
Take into account the income and expense transactions of several users - both in the general budget and separately.
Maintain accounting for a small enterprise.
Make calculations using a calculator.
Make account statements, compile summary reports on the flow of funds for selected periods of time and display them in the form of graphs and charts.
Print summaries.
Protect data with a password.
Plan a budget for future periods.
Save old data in archives.
Store user notes (diary) and phone book, more precisely, lists of organizations and individuals with their phone numbers, addresses, dates of birth and other information. Make reminders about events.
Convert amounts from one currency to another, according to the rate set by the user.
Disable unused features.

Unfortunately, the development of CashFly is currently stopped. Its last version was released in 2010, and since then the product has not been updated. The list of systems it supports officially only includes Windows 7 and earlier OSes, but, as it turned out, it starts and works on Windows 10 without any problems.

(download from the mirror) is another worthwhile personal finance management tool, but, like CashFly, it has long been abandoned by its developers.

The main advantages of the program are simplicity and flexibility, as well as high performance due to the absence of rarely used functions. The user can customize the appearance of the main window to his liking by enabling or disabling individual blocks and panels in it.

How Xenon will help you control your Family budget:

Will take charge of accounting for incoming and outgoing transactions for any period of time. A list of the main items of income and expenses is already present in the program. Each operation can be supplemented with text notes and comments.
Allows you to control the movement of funds on several accounts in five currencies: Russian ruble, Ukrainian hryvnia, Kazakh tenge, US dollar and euro. Current rates do not need to be entered manually, as in CashFly. Just download them from the Internet.
Shows reports by transaction types and currencies for the selected period of time.
Exports the selected data to Excel documents or prints them to a printer.
Saves your notes about various events.

"Xenon Family Budget" is a single-user program, but allows you to keep track of the income and expenses of several family members. There are no restrictions on the amounts, numbers of accounts and transactions.

The last release of the program was released in 2006, and since then it has also never been updated. However, no problems were noticed using it on Windows 10.

It is a lightweight version of AceMoney, an advanced commercial product for home accounting. The difference between the free version and the paid one is the ability to manage only two accounts (the program counts not only funds stored in the bank as an account, but also, for example, cash belonging to the family). The remaining functions of both products are almost the same.

AceMoney Lite features:

Control and accounting of any incoming and outgoing transactions.
Automatic accounting of regular payments and income (for example, loan payments and salaries) according to a user schedule.
Supports 150 world currencies. Displays exchange rates in real time (if you have Internet access).
Planning a budget for various purposes over different periods of time.
If a bank account is connected to the program, AceMoney can receive up-to-date data on its status directly from the bank (however, the program is not “friendly” with Russian banks).
Displaying current information about the value of exchange shares (significant information for investors).
Calculation of debts (payments on loans and credits), savings (deposits and deposits), mortgage payments.
Various types of reporting: on the movement of funds in the account, expenses, income, expense categories (for example, monthly expenses on gasoline, groceries, utilities), budget, investments, etc. Reports on individual correspondents (those to whom you pay and from whom you receive payments from).
Password protection of reports and backups.

For those who are just mastering the science of home economics, help on working with the program will be a useful help. In AceMoney it is in Russian.

AceMoney Lite, unlike the two above-mentioned applications, is updated regularly. In addition, it officially supports Windows 10 and all earlier system releases starting with Windows XP.

- another “lite” version of the commercial product of the same name. The free version retains full functionality until the total monthly income of all its users exceeds 14,000 rubles. After exceeding this modest amount, the program will offer you to buy the full version, which costs 250-500 rubles.

Features of Economy Lite:

Supports multiple users and any number of their accounts in different currencies (US dollars, rubles, euros, pounds sterling).
Accounting for income and expenses of debts (loans) both for each user individually and jointly.
Accounting for transfers of funds from account to account (for example, when withdrawing funds from a bank card, the program will write off the amount from the “card” account and add it to the “cash” account).
Generating reports on income, personal expenses, account balances, debts (how much and to whom you owe, as well as how much and who owes you), loans, income minus expenses. Display reports in graphical and text form.
Printing reports on a printer.
Color highlighting of individual categories of income and expenses for greater clarity.
Reminder about the deadlines for regular payments, for example, loan installments, utilities, etc.
Built-in help in Russian and useful tips on using the program.
Scheduled data backup.
Convenient system for searching and filtering information of interest.
Password protection of access to the program.
Automatic installation of updates that come out almost every month.
Technical support.
Transition from the Economy Lite interface to useful articles on the developer’s website. Articles are devoted to finance, personal growth, making money on investments, work and career (including making money on the Internet through affiliate programs, blogging, YouTube, freelance exchanges, etc.).

Economy Lite is officially supported by all versions of Windows, starting with XP.

is the only cross-platform application in today’s rating that, in addition to Windows, can be used on Mac OS X, Linux, iOS and mobile phones running the java platform. To install the distribution, you must have Java SE Runtime Environment 1.5 or later versions on your system.

At first glance, DomEconom may seem complicated (at least in comparison with other applications reviewed), but immediately after installation, along with the main window, Russian-language help opens, which contains all the necessary information on working with the program. In addition, the registration of a user account and the creation of the first financial notebook (a file where information about income and expense transactions is stored) is accompanied by the Wizard.

DomEconom features:

Supports multiple independent user accounts.
Maintaining general and separate budgets.
Entering data from various devices. When you connect your computer or phone to the Internet, DomEconom data is automatically synchronized, but if you wish, you can work offline.
Supports different types of accounts (cash, bank, credit, etc.) in almost any currency.
Automatic update of exchange rates.
Planning expenses for various types of needs.
Drawing up balance sheets and reports for all categories of income/expenses in tabular and graphical format.
Export reports to Excel documents.
Creation of an unlimited number of individual and shared notebooks, protected by passwords.
Automatic backup.
Password protection of user accounts.
A large number of built-in templates for all types of operations, expense items, etc.
Help section in the main window, where tips on actions in the program are displayed (can be disabled if desired).

Currently, the development of DomEconom is suspended, but the official website, from where you can download the application distribution for all supported OS, is still working.