The program for home accounting. Family Budget Review - Introduction

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To competently and simply conduct family accounting, there is a program for the family budget, which is called "Home Accounting". This software allows you to manage general and personal finances from various devices with data synchronization and exchange between a computer and mobile devices, since its versions work on Android, iPhone, and iPad. In the free test mode, it can be used for 30 days, after which it will be offered to buy software. However, for those who do not want to spend money, there are other services in the public domain that structure home expenses and income. The best programs for accounting and maintaining the family budget, which can be downloaded for free, are presented in our review.

  Home Accounting Program

Since the offer from "Home Accounting" (http://www.keepsoft.ru/) can be used for a month for free, users who choose intuitive, simple and functional versions of software can, in this example, compare the capabilities of paid and free programs "in the field conditions. " Thanks to the function of uploading data to Excel in a month, you can return to the tables without loss of accounting if you wish.

The distinctive advantages of Home Accounting include:

  1. Accessibility of using not just a list of income for each of the partners, but a link to the “general wallet" of the status of several accounts - cash, bank cards, electronic money.
  2. An interface in which you can see the general picture in one table, and each of the subsections in a separately displayed window (for example, a loan and debt window).
  3. The ability to build visual charts that, at a glance, allow you to evaluate the current financial situation in the family.
  4. Additional features:
    • revenue and spending planning,
    • importing bank statement data,
    • export to Excel, Word, Access, HTML

Unlike many free “empty templates”, the basic part is already registered here. For example, the items of possible expenses are introduced in such detail that it is extremely rare to add something (although there is such a possibility, as well as the opposite - the removal of the "extra" article). So 16 main basic categories of expenses are divided into many subcategories. For comparison:

  • in the category “Car” 9 subcategories of “default” are already entered: Car wash, Gasoline, Spare parts, Tax, Repair, Parking, Insurance, Inspection, Fine.
  • in the category “Clothing” - 44 subcategories.
  • in "Household goods" - 62 options from nails and hangers to light bulbs and filters.

Thanks to such detail and even the “meticulousness” of the authors, it’s much easier to plan, as the menu itself seems to suggest something that is usually forgotten in everyday chores.

Separately, it should be noted the search function with details on names, categories, subcategories, repaid and outstanding debts, notes, etc. That is, by entering a marker word in a note, you can use search to immediately see all movements that relate to an “encrypted” topic .

The mobile version of the service differs from the offers of most competitors in its functional variety, which becomes noticeable even when you look at the start menu.

The “Home Bookkeeping” has many good reviews from users with many years of experience who note its dignity, and one “drawback” is that it is paid. Software allows you to log in, changing user names, and conduct independent budgeting. However, in a paid offer, this advantage is leveled, because for the free use of several family members, most likely, you will need to buy a more expensive license.

In total, there are 3 main options and a monthly subscription with renewal:

  1. Private license for installation on one computer - 800 rubles. during the discount period and 990 rubles on an ongoing basis.
  2. Family license for two computers 1200 rub. at a discount and 1490 rubles. - without.
  3. The same cost is the portable (recommended by the manufacturer) option for free movement of the program on a USB flash drive.

  “Family budget”: program, reviews, opportunities

“Family budget” is a program for Android, the free version of which can be considered as a good example of bringing a useful product to the market for free. Of the minuses of use are called only:

  • the presence of advertising that is disabled for money,
  • the ability to backup only to the memory card of a mobile device in version 2.1.11, while you can download the family budget program for free and without registration in version 2.2.5–2.2.7 (for example, here http://top-android.org/programs / 1379-semeynyiy-budjet /) - general requirement: Android from 2.1 and higher.

“Family Budget” is an official mobile application for Android that duplicates the functionality of a web service for accounting.

The advantage over desktop-top competitors is that in a mobile application all expenses can be entered “without leaving the cash desk” and without forgetting about them.

And there are a lot of such everyday petty waste, and it is they that require special consideration, because, judging by the statistics, the general treasury quietly melts not when buying TVs and refrigerators, but because of snacks, coffee breaks and unaccounted beer on Fridays.

To create a new record in the accounting history:

  • select a menu item
  • enter the amount of expenses and a note,
  • mark a category (either create it yourself or select from a ready-made list).

The functionality added in later releases allows you to specify the means of payment, fixing the status of funds on a bank card and cash in your wallet. Synchronization with Mobile Bank is available. A separate section is reserved for planning potential costs.

  • At the beginning of the month, the total amount of upcoming expenses is calculated and indicated.
  • The amount is signed in categories indicating the portion planned for food, utilities, loan repayments, etc.
  • The end of the month shows savings or negative balances.

As in the previous software, this application provides a search, the ability to leave notes, as well as generate a report on movements in the family wallet in the form of diagrams.

  AndroMoney, CoinKeeper, Expense Manager

Andromoney

It looks like the previous and another multi-functional AndroMoney application, which is also used to record housekeeping on Android devices. The aim of the developers was to make the interface for the hostesses - an intuitive menu without compromising functionality.

There is a free version and a Pro version (about $ 5). The advantages include: choosing the “step” (day, month or year), narrow budgeting for certain categories and the ability to create copies both in the device’s memory and in cloud storage services (Google Drive, Dropbox). Data can be password protected and, if necessary, converted to CVS format for working on a PC.

Coinkeeper

The difference between shareware (the first half of the month a test version is used) of the CoinKeeper platform from others is that it allows both “manual control” of your finances and automatic mode, for which you must first specify a monthly income. The work will be facilitated by the fact that each menu item is explained, thanks to which the platform has one of the most understandable interfaces among similar products.

Allowed: synchronization with other devices, storage in cloud services, setting a password. But, in comparison with others, this application has few reports, there is no "desktop" version, slow animation.

Expense Manager (from Bishinews)

In Expense Manager (from Bishinews), in addition to the limited functionality of the free option (the full version also costs about $ 5), the absence of the Russian language is considered a relative disadvantage. In an English-language environment, multimillion-dollar downloads demonstrate the popularity of this software. Here you can plan the ratio of income to expenses, change the settings for yourself, display a detailed schedule of expenses, store information in the cloud or on a memory card. The interface looks minimalistic, but it only simplifies the work of both the user and the gadget.

To account for expenses and income. Now the turn has come to choose the best Android application for maintaining a family budget.

Modern technologies have allowed developers to create a full-fledged software platform - the Android operating system. Thanks to this system, the mobile application market was born. Many developers began to release mobile versions of their programs that are adapted for smartphones and tablets. The largest players in the mobile OS market are platforms such as Android and iOS.

In the official play.google.com application store, you can find many worthy programs that will make it easier for you to do home bookkeeping. Despite the wide variety of software, there are not many really high-quality applications.

  Read also:

My Wallet - My Money Tracker Lite

My Money Tracker Lite is an application for accounting personal finances. There is also a paid analogue of the program - the Pro version. MyMoneyTracker copes well with revenue and expenses. After starting the application, the user enters the transaction section. By clicking on the red button with the image of lightning at the bottom of the screen, you can quickly add an expense or a profitable operation. Before making a transaction, you need to choose its name, for example, clothing, food, gasoline, and also indicate the amount. You can add an expense through the top menu (ellipsis - “add transaction”). The program has a two-level directory of operations (for example, categories and subcategories: children / toys, children / kindergarten). To make the directories for yourself, you need to enter the settings section (the third icon at the top), go to the "groups" and click on the "add group" button. For the new element, you need to specify the group name, type of operation (expense or income), an icon, and also indicate whether this group is the default element (if so, it will be displayed when lightning is added via the button on the main screen).

To build reports, go to the appropriate section (second icon at the top) and select a report type. In the current version there are seven types of reports, of which the most popular are the following: expenses / income by month, operations by group / subgroup. The report is available both in the form of a chart and in a table view.

Findings. In general, the application left a good impression. No errors or errors were found during testing. The program interface is simple and functional. You can add a transaction in two touches (plus entering numbers). As for the reports, they are also quite informative. My Money Tracker Lite has established itself as a simple and reliable tool for controlling your family budget.

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1Money - convenient expense and income accounting

The functionality of the 1Money application is slightly wider than that of the previous program, but there is one significant minus - there are serious restrictions in the free version (for example, there is a limit on the number of accounts and categories). If you can get by with two accounts (cash and a card) for personal bookkeeping, the 1Money application will work fine.

I would like to note an interesting approach in the design of the main screen of the application (category section). Here is a list of expense categories indicating the costs of each transaction in the current month. To see the structure of expenses for the previous month, just move the screen to the right (or select the time interval from the top). If you are interested in income, then you need to click in the center of the screen and you will get the income structure for the selected period. The circle in the central part of the screen in the “Categories” section is also a chart that shows the share of expenses for all categories involved. The application does not have a hierarchy of categories, that is, the transaction guide has one level. It is difficult to say whether this is a drawback, because a two-level guide would violate the clarity.

Adding a transaction is very simple - just click on the appropriate inscription in the "categories" section. After entering the flow, it is automatically summed up with the previous value for the selected category. In the "overview" section, you can familiarize yourself in more detail with the expenses and incomes of your personal bookkeeping - a detailed report is presented in tabular form. At the top of the section there is a chart that shows the dynamics of expenses and income by day.

Findings. I was pleased with the approach to the design of the interface - at first everything seems unusual, and then comes the realization that it’s not more convenient. Upset restrictions in the free version, for example, you can add only one "your" category of expenses, you can not use more than two accounts. It can be seen that the developer tried very hard and well thought out the functionality and interface of 1Money, but he was clearly greedy with limitations. If you need a colorful and visual tool for home accounting, then you can recommend a free version of the program only if you later switch to a paid one.

Personal finance manager

The application has a large set of functions. It has everything that is required to control the family budget: income and expenses accounting, planning, debts, currency accounts and much more. The personal financial manager noticeably surpasses competitors in functionality, but loses to them in the design of the interface. The appearance of the program is rooted in the past - to the first versions of Android. If you are not confused by such an interface, then this application will become a reliable assistant in the field of personal finance.

To add a transaction, for example, expense - you need to click the plus opposite the "expenses" section. Then we fill out a simple form - we indicate the name of the transaction, the wallet to be debited, the amount, date and category. It is interestingly thought up that it is possible to enter a transaction name and its description. With such informativeness, you definitely will not get confused in your notes. Pleased with a fairly detailed and voluminous directory of expense categories. Unlike the previous application, the reference book is two-level (for example, you can specify “car - fuel”). This reference book is easy to edit, it supports nested subcategories (for example, you can create “children - school”, “children - gifts”). Profitable operation is made out in a similar way. Also pleased with the revenue guide - it is already filled out and supports nested subcategories.

The list of debts can be arranged in the section "debt management". Everything is simple here - there are two types of debt (“borrow” and “lend”). It is a pity that there is no automatic notification of past due debts. Such a notice can be issued independently in the "planning" section. Another interesting feature is setting a limit by category and by wallet. Such a restriction will be useful to those who are used to thoughtlessly spending money.

The reports in the Personal Financial Manager are also in order - you can get the report in the form of a pie chart and in tabular form. You can separately see how much money has been spent on a given category. Another useful report is a cost / income comparison. This feature will be useful, for example, to compare expenses for the past and current months.

Findings. The application has all the functionality for effective control of personal finances. The feature set is very good, especially for the free application. There are flexible settings for directories and user accounts. The reports are of high quality and informative. We can confidently recommend the program to those for whom the "colorfulness" of the interface is not in the first place.

KeepFinance: expense and income tracking

KeepFinance can be attributed to a professional tool for controlling personal finances. The functionality of the program allows you to import transactions from SMS messages of banks. To do this, just configure the message templates once. The main screen is very informative - here you can see account balances, a summary of expenses and even reminders of important payments. There are icons on the top panel that show plus and minus signs. Through them, you can draw up income and expenses.

To quickly add a consumable operation, you should use the right screen (scroll left) - here you can add an expense with two touches. To do this, enter the amount, indicate the account to be debited and the expense category. Another “feature” of the application is that you can see the current balance on the smartphone’s lock screen. One gets the feeling that you are not carrying a phone with you, but a wallet. There is a function of planning expenses by category - you can set the appropriate limits and monitor the approach to them.

It should be noted that the free version of KeepFinance has some limitations: only one wallet is available, you can use no more than five accounts, as well as one source of income. There are still limitations regarding reports - in the free application only simple reports on income and expenses are available. Despite this, the information content of the reports is enough for the effective management of personal finances. To build reports, you need to go to the "summary" section (through the main menu). Everything is simple here - we select the reporting period and get a summary of expenses and income (at the bottom there is a panel for choosing the type of report - expenses, income and summary).

The directory of income and expenses is single-level (that is, there are no nested categories). This is unlikely to be a disadvantage of the application, but some advanced users may experience inconvenience.

Findings. KeepFinance application left a pleasant impression - a well-thought-out interface and ease of data entry make the program quite attractive. The basic (free) feature set will satisfy any family budget. For the lazy, there is a useful function - recognition of transactions in SMS messages from banks. Once I set up the templates, and the application itself enters the data (if paid by credit card). The program will be useful not only for beginners, but also for more advanced users who need advanced functionality to conduct home accounting.

Home Bookkeeping lite

Home accounting is one of the oldest and most popular applications on the software market designed to control personal finances. Despite this, the program clearly loses to its free competitors in terms of usability. The free version has all the necessary tools for home accounting, but the program interface itself, in our opinion, cannot be called friendly. This is not the main criterion for evaluating the application. The set of tools is quite extensive: cost and income accounting, multicurrency, expense planning, debts and loans, detailed reports and much more.

The free version has a number of restrictions, for example, only one user and three accounts are supported. When you try to add a second family member or a fourth account, a proposal appears to buy the full version of the program.

Reports are not the strongest side of this application. Here the claims are not so much to the reports themselves (they are quite informative), but to the process of setting them up. We tested and there were also similar difficulties. For some reason, all constructed reports are saved in the list, and in order to get a report, for example, on monthly expenses, a chain of actions is required: go to the “reports” section, press “reports” at the top, select a report type and specify a period.

Why not make sure that in the “reports” section a report for the month on expenses and income is immediately built up, and only then it would be suggested to set additional parameters and filters. Agree that four steps to get a simple report is a bit much for a mobile application.

Findings. The application does a good job of home accounting - there is a good set of tools. If someone lacks the basic functions (free version of the program), then you can always upgrade to the premium version. Of the minuses, a slightly sophisticated interface and its low information content can be noted, which is quite critical for a small screen.

As far as we can look into history, money played a very big role for people. And about now and say no. Everyone has their own attitude to money: someone worships them, someone despises, someone just makes money. According to Chinese science, Feng Shui, if money is treated with respect, accuracy, and kept in order, this will help the family to live in prosperity.

Even those who are not familiar with this science know that money loves an account, therefore control over their finances is necessary. Previously, a variety of devices were used for this - from clay tablets to modern books on expenses and income. But nowadays it has become very easy to keep track of your acquired assets - with the help of a computer and special programs for accounting for finances. Instead of programs, you can use online services that can be accessed from anywhere in the world.

If you are interested in applications for accounting for finances on smartphones or tablets, we recommend that you turn to the publication “Budget planning for Android” for this.

You can enter your income in a variety of currencies, convert it to another at any time, and if you have an Internet connection, update the exchange rate with the click of a button. The program integrates a calendar in which you can record the days of possible expenses and income, and a reminder will not let you forget about the event.

Since the program has a large set of functions, studying it right away will not be easy. You will have to spend a couple of weeks to master the intricacies of her work, but a well-arranged control of income and expenses for a month and ample opportunities compensate for the time spent.

MoneyTracker program is paid, the trial version has no time limit for use, but the ability to enter data into the database is limited.

There is the possibility of replenishing the database using SMS messages. jMoney supports the output of reports and the function of printing them, also the program is equipped with a reminder system for current payments. In the program, you can create a backup copy of the database so as not to be afraid of spoiling or losing anything.

The jMoney program can be used free of charge, provided that the income of users does not exceed 14 thousand rubles, otherwise you will have to pay.

Home Bookkeeping.

The Home Accounting program is a comprehensive solution for accounting finance. The program can be installed both on computers and on mobile devices between which data can be synchronized. With its help, you can keep track of not only personal finances, but also the finances of your entire family, or use it for bookkeeping your company.

The program has such features as accounting for expenses, income, money given and borrowed, control over the return of debts, planning expenses and income, accounting for funds on an unlimited number of accounts. Home accounting supports maintaining records in several currencies, with the ability to receive exchange rates from the Internet, displaying reports in the form of diagrams and exporting any information.

Web services for accounting finance.

In addition to the usual programs for managing your income and expenses that are installed on a personal computer or smartphone, there are also online services that provide access to your data stored on the server from anywhere and anytime. Among the popular online services, the following can be distinguished: zenmoney.ru, drebedengi.ru and easyfinance.ru. Some are afraid to store such personal information as the size of their income somewhere on an unknown distant server, but almost all web services guarantee confidentiality and security, since the data on them is stored in encrypted form.

Bright and colorful service easyfinance.ru is designed for financial accounting. It has both free and paid tariffs. Staying at a free tariff, you can keep records only using the site, this tariff is convenient for a small number of accounts. Developers guarantee that free functionality will surpass any competitive product.

The drebedengi.ru service is intended for those who do not want to spend a lot of time planning and controlling their funds and diving into the study of the service. Chatter is a simple and convenient free system. A multi-user mode for joining other family members to control the finances is possible.

Service zenmoney.ru (Zen-mani) is an excellent service for maintaining financial accounting, which is used by freelancers and entrepreneurs. The service is able to recognize SMS messages from banks and automatically create transactions in the service.

In addition to the listed online services, there are many others, both foreign and domestic, with different approaches and methods.

We examined different ways of accounting for finances. As a result, we can say that there is no better or worse among them. As they say, how many programs, so many opinions. The choice is huge, in addition to the ones covered in the review, there are hundreds of others, paid and free, with their own methods and principles.

If you wonder about what to stop at - a regular program or a web service, there is no definite answer either. Today, some services offer a full range of accounting capabilities for personal bookkeeping simultaneously on the service, from the program on a computer or on a smartphone.

If you and your family members thought it was convenient home accountingIn order to visually see not only your income, but also your monthly expenses, the familiar paper notebook with a pen is an outdated option, and standard Excel is, of course, not bad, but if you have not fully mastered this program, then a special program for conducting home bookkeeping, which is quite easy to download for free on the Internet, will be the best solution for realizing your goals.

There are a lot of such programs, so among all the variety you will definitely find the one that turns out to be ideal for you. Programs for accounting for the home budget can be either paid or shareware ( limited functionality or with a trial period) and completely free. I would like to immediately note that free programs do not mean " bad»Program, because they also have all the necessary functionality for competent and clear accounting of family funds. The differences most often lie in the design, as well as in some convenient “ chips", Without which, in principle, you can do.

In our article, we will examine in more detail completely free programs, as well as those that you can download for free, but in the future they will need their activation to expand the functionality. All programs in our review are issued in Russian.

Free Home Accounting Software

Cubux

Cubux(www.cubux.net) is a fairly convenient service for managing income, expenses and debts online. Using a gadget or just a computer, data is synchronized and stored from all devices in one database.

Maintaining a common budget with the whole family is quite possible with the help of the “Joint Accounting” function. After leaving the store, you can quickly and simply create an operation for the expense, thanks to the function "Multi-flow". The action is performed in three clicks: Account, Category, Date and after entering the amount, the expense is saved.

The report on your finances is monthly reflected in statistics. Do not forget about your debts, as well as about your debtors, the "Debts" section will help.

Use the instructions for using the service or contact the technical support service to resolve the issue. Do not worry about the data, you can download it to an Excel file and save it to your computer.

Supported platforms: Windows, IOS, Mac Os, Android.

(http://homebank.free.fr/) - fully freean application that allows you to organize - accounting of expenses and income. A distinctive feature of this program is that it supports data exchange with the service Microsoft money, and Quickenand some other applications. Works using the following formats:

  • QFX (OFX);

Features of work:

  • the possibility of splitting expenses and income into categories;
  • data output in the form of diagrams;
  • planning for future expenses;
  • the ability to create transactions in automatic mode;
  • visualization of current operations;
  • import data in certain formats that the program works with.

If you decide to download for free (https://dervish.ru/), then opening the program for the first time, its interface may seem too simple, straightforward and not attracting attention, but do not rush to close the newly installed application. If you stay in it for at least 20-30 minutes, you will understand that it is unique and completely in front of you free without registration  a lot of opportunities open up.

With AbilityCash you can:

  • create a variety of accounts without limiting their quantity and currency;
  • work with popular formats. xls and.xml;
  • print various report options on paper;
  • use some rare languages \u200b\u200b(Ukrainian and Lithuanian);
  • customize the appearance to your preferences: add options hidden by default (“price”, “quantity”), use a tree structure with the ability to add an unlimited number of subcategories, make notes and important marks to specific cells.

By default, only the Russian ruble is preinstalled, but the list of currencies can be expanded using current data from the site of the Central Bank of the Russian Federation.

Another fully released program in Russian  language (http://www.softportal.com/software-4910-semejnij-byudzshet.html).

Among the benefits Family budget  the following can be noted:

  • can keep track of income and expenses on several accounts at once;
  • the function of automatic selection of categories is available, i.e. starting to enter a specific product, it will automatically be sorted into a specific category;
  • the ability to create a report of 8 points by pressing just one button;
  • use of the popular formats .bmp, .txt, .xls, .doc;
  • printout of reports;
  • the ability to use the program at once by several people, and registration is free for each user with the creation of their own username and password, which must be entered at the entrance.

  (http://myhomesoft.ru/) in addition to the standard features for accounting for income and expenses, family budget planning, it has some individual features that distinguish the program from analogues:

  • the ability to create multiple accounts.
  • not only cost analysis is available, but also their control, i.e. upon reaching a certain maximum set by you, the program will notify you of approaching the mark;
  • the ability to account for debt obligations, both yours and those who owe you;
  • use of various currencies;
  • creating backup copies of the database, which can subsequently be restored or uploaded to Microsoft Excel.

(http://www.domeconom.ru/) refers to free programs without registration for home accounting, so it can be downloaded from both the official and any other site.

The program allows you to work on multiple devices at once, and through automatic synchronization.

The functions of this utility otherwise completely repeat the similar and standard for similar programs ( e.g. Home Bookkeeping, and other free software).

What is noteworthy, the help is implemented quite competently and clearly, therefore, if you don’t know where to start or how to organize work with the utility, then after reading the appropriate section, you can easily figure out the problem.

  (http://www.ownmoney.org/) - a completely free application with great features:

  • accounting of income, expenses, including those that you plan in the future;
  • multicurrency, unlimited number of accounts and accounts;
  • tree structure with various subitems and branches;
  • transfer of funds between accounts;
  • automatic updating of exchange rates;
  • accounting not only for purchases, but also for their weight;
  • the ability to schedule some operations in automatic mode, as well as temporarily disable such payment;
  • work with counters, as well as accounting for benefits and discounts.

(http://www.softportal.com/software-1128-cashfly.html) - free home accounting, which allows you to calculate complex operations associated with income and expenses for various items. Among the main advantages are:

  • the ability to archive data;
  • password protection;
  • drawing up planned operations;
  • building graphs and charts for various parameters;
  • the ability to print data;
  • address book for recording data of persons and organizations;
  • the ability to keep a diary and set up alerts for memorable dates.

Shareware for home accounting

These programs can be downloaded free of charge without registration, but to expand the functionality or long-term use may require payment.

(http://www.mechcad.net) is available in four versions, so you can download the full version or use the Lite version, as well as use add-ons. The Lite version differs only in that with the help of the program you can manage no more than two accounts, but for most families this will be more than enough. An account here means not only bank cards or accounts, but also the cash of family members, i.e. if the family has two employees, then the Lite version will be enough for them. The cost of the full version of the program is   1 300 rubles.

Using AceMoney, you can:

  • manage your money in various currencies (more than 150 types of currencies are represented);
  • monitor online changes in exchange rates;
  • allocate your budget according to cost items (more than 100 options for spending money are predefined in the program);
  • tracking budget revenues and expenses;
  • calculation of expenses according to a specific sample for the time period of interest (utility bills, mobile communications, products, etc.);
  • reporting (common formats are available. xls and .html);
  • accounting for savings, debt, mortgages;
  • the ability to create a backup, etc.

The program (https://www.keepsoft.ru/) is one of the most common among those that are distributed on the Internet for free. Today you can download the Home Bookkeeping program for free without registration from many services, but do not flatter yourself, since you will have to pay 400 rubles to get the full extended version. This computer application will allow not only to calculate the accounting of expenses and income in the family, but also cope with the bookkeeping in a small company.

Home Accounting Program May:

  • keep track of expenses and income;
  • calculation of debt obligations (both yours and those that formed before you);
  • calculate the possibility of partial repayment of debts, as well as interest on debts;
  • remind you of the time to pay debts or obligatory payments;
  • build reports in the form of tables and diagrams;
  • synchronize databases, compress them, clean up excess, etc.

Main advantages over other programs:

  1. availability of pop-up budget planning tips;
  2. updating via the Internet;
  3. customization of the interface;
  4. the ability to convert data in the 15 most popular formats;
  5. currency exchange, current information on 5 selected currencies, current rate;
  6. planning income and expenses for the future, etc.

You can download the Home Accounting program for free without registration on the official website (https://www.keepsoft.ru/), here you can expand the functionality.

Family pro

Family pro  (http://www.sanuel.com/en/family/) - Another shareware version of the paid program. Do not rush to look for something else, since it is quite convenient to use and for free 30 days you can definitely understand whether it suits you specifically or if you should look for something else. If free version  you are completely satisfied, then to give for a full package of 500 - 600 rubles is not so much.

For private business purposes, this program is also suitable for home accounting, which can be downloaded for free from many Internet services. In this utility, the most interesting and competent among competitors is the ability to create and save reports, as well as instant sending to print. Using Family Pro, you can create the following types of reporting:

  • family budget analysis;
  • detailed report on items of expenses and income;
  • comparative analysis by months;
  • analysis of debt obligations and a list of debtors;
  • comparison of income and expenses, etc.

Using the utility tools, the user can plan deposits and loans for free, forecast spending and budget revenues for a specific month or period, predict a possible cash flow if there are several sources of income and an “in-mind” account is completely unacceptable.

  (http://www.personalfinances.ru/) is unique in that you can create on your computer a specific database of your budget, you can download home accounting  and on your mobile device by installing a similar application based on Android or IOS and synchronizing information.

The Personal Finances program is presented in a free demo version with limited, but sufficient for comfortable use, functionality, as well as in a paid version starting at 2,450 rubles (personal and commercial licenses). Moreover, these licenses are mutually exclusive, i.e. Commercial cannot be used for home and vice versa.

The program has a lot of opportunities:

  • family budget management;
  • tracking mode online  interest on deposits;
  • the ability to repay loans;
  • multicurrency with the ability to update courses from the Internet;
  • organization of expenses not only by categories, but also by each family member;
  • work with debts;
  • reports in the form of graphs, charts, projects, etc.

Economy

Program Economy(http://home-economy.ru/) is ideal for those who are not “friends” with economic and financial terminology at all, and who cannot distinguish the concept of “transaction” from “investment”. There are no hard-to-understand terms and words, so this utility can probably be used even by a teenager or an elderly person.

True, the program is not completely free, because there are limitations: if your budget is more than 14,000 rubles per month, buy the paid version.

Advantages of the application:

  • simple, intuitive, convenient and nice looking interface;
  • creation of an unlimited number of accounts and accounts in each of them;
  • the ability to create foreign currency accounts, as well as accounting in various currencies;
  • a reminder of the dates of payment of loans, utility bills and other obligatory payments;
  • the possibility of using all kinds of filters;
  • data backup, recovery option;
  • reference information for Russian-speaking users.

If your budget has grown above 14,000 rubles, then you can always buy a paid version, especially since its cost is only 250 rubles.

Conducting personal accounting on the Internet

Home accounting can be conducted completely free even without downloading any applications to your mobile devices or home computer, as today there are quite a lot of online services for recording expenses and family income.

Among the most common and free are the following services:

  • Rubbish;
  • Where is my money?;
  • Easy finance;
  • Homemoneyetc.

The convenience of these services is that there is no need to download applications, and all data is stored on servers on the Internet, which allows you to view your entire history from any computer or device with Internet access. At the same time, functionality does not suffer at all, since you have access to all the same functions and features as standard programs.

Budget planning is the key to a successful life, even with a small income.

This article presents far from all currently existing home accounting programs and. Only the most popular, successful, and also available for download without restrictions are described here. If desired, each Internet user can find something more suitable for themselves than is presented here. For example, X-Cash, Xenon, Home Finances, DaReManager  or something else. Look for what suits you and plan your budget!

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Not every financial accounting application is adapted for general control, and family members either have to conduct their own separate bookkeeping or choose one household to whom the rest will report daily on their spending. It is very uncomfortable. For the family budget, programs that synchronize the expenses and incomes of each are more suitable, in other words, allow you to work in multi-user mode. We will tell about them.

1. Alzex Finance: family budget

In the application, you can divide income and expenses into different categories and subcategories, including family members, which shows the overall financial picture in great detail. This is the main feature of the program - to divide everything into small components and arrange them in a way that is convenient for a particular family. For example, a user can create as many accounts in the program as he needs - cash, credit cards, bank accounts, electronic wallets, etc. - and combine them into groups.

Several people can work with the family financial database, all you need to do is to synchronize changes through the Internet every time using the Dropbox cloud service.

Cost: The main functionality is free. But the opportunity for different family members to keep one account is paid. It is provided for in the premium version, which costs 599 rubles (unlimited). The purchase is not tied to the phone, but to the Play Market account, so the premium version will be available on all phones where this account is specified in the settings.

Available for: Android, iOS

2. Crap

The application is very convenient and easy to record new expenses, according to the developers, this can be done without leaving the cash desk. The number of accounts and cost categories is not limited in any way, each family member can leave comments on their expenses. There is an opportunity at least every day to view the extended report on the total budget. Of the additional options is a shopping list for going to the supermarket so that you don’t forget to buy anything at the store.

Cost: The application can be downloaded and used for free, but connecting to the whole family’s system is only possible in the paid version - 549 rubles per year for all.

3. Family budget

The system helps streamline expenses, revenues and accounts and manage them together. Synchronizing data with the site allows you to conduct home bookkeeping from both a computer and a smartphone. All entries can be grouped into categories, build charts, which simplifies further analysis of all expenses. A family can plan a budget for any business or major purchase and adjust its expenses accordingly. Of the features of the program - the ability to maintain separate statistics on the consumption of electricity and water. It is enough to choose a tariff and enter the meter reading. The service itself will calculate the amount payable and save the payment history.

Cost: The main functionality of the application is free, including multi-user mode, but the activation of the Budget module is paid (1,169 rubles per year).

Available for: Android, iOS

4. Personal finance EasyFinance.ru

The EasyFinance.ru application, like other similar resources, makes it quite easy to record your income and expenses, group them into categories and subcategories. There is still the opportunity to create templates for frequent operations and work with budget items. Distinctive features include the tachometer, which signals in case of overspending. There is a bit more functionality on the site itself, for example, you can set financial goals.

Cost: Basic functions can be used for free, but connecting additional ones, including the ability to keep records with the whole family, is already included in the paid package. To connect two users you have to pay from 69 rubles per month (depending on how long the service is activated), up to six people can be connected for at least 99 rubles per month.

Available for: Android, iOS

5. Toshl Finance

This app features a fun finance approach. He has Toshi monsters that give advice to users, warn about cost overruns and praise for the savings. When paying in a restaurant, the service itself can calculate the tip size. He also reminds about the need to pay bills, knows how to translate expenses in rubles into rubles.

Cost: A free application, but the use of certain functions, including multi-user mode, is only possible in Toshl Pro for $ 19.99 per year or $ 1.99 per month.

Available for: Android, iOS, WindowsPhone

6. Zen mani: cost accounting

The application is able to recognize and account for SMS messages from banks in expenses and revenues. Family members can divide their accounts into general and personal, transactions on which will be hidden from the eyes of relatives.

Cost: The standard version is free, advanced functionality with reports, account management and SMS recognition can be connected indefinitely for 1 249 rubles for all family members.

Available for: Android, iOS

7. Where is Money - accounting for expenses and income

Nice and intuitive interface. The service allows you to quickly and conveniently record expenses and analyze the expenses of each family member. When one user displays a new purchase in a shared wallet, others receive push notifications.

Cost: A shared wallet with a family, SMS recognition, reports, photo uploads are included in the premium package, you can activate it for 2,290 rubles. Other functions are free.

Available for: iOS

8. Money OK: personal finance and budget

The program is easy to learn, expenses are simple to enter, the statistics are clear - they are displayed as a pie chart separately for income or expenses. An editor for working with subcategories of expenses can be noted as a distinctive feature; you can group them simply by dragging one icon onto another, as happens with creating folders on the iPhone screen.

Cost: The application is free, for the extended Pro version costs 299 rubles for each family member. It is possible for one to buy the initially paid version of “Money OK 2” for 379 rubles and set up a free one for programs.

Available for: iOS

9. Home Bookkeeping

The set of tools is convenient, but standard: a detailed accounting of income, expenses, debts, maintaining several accounts, visual reports and budgeting. Relatives can keep financial records both together or separately, protecting their personal account with a password.

Cost: No free functionality. For the multi-user mode, you need to buy a family license on a PC and separately each family member must also install a paid mobile application, if you buy a software package, it will turn out cheaper - 1 698 rubles for two. Purchases and updates within the current version of the program are unlimited, but the installation of the next generation version is paid.

Available for: Android, iOS

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