As far as we can look into history, money played a very important role for people. And there is no need to talk about now. Everyone has their own attitude to money: someone worships it, someone despises it, someone just earns. According to the Chinese science of Feng Shui, if you treat money with respect, carefully, keep it in order, it will help the family to live in prosperity.
Even those who are not familiar with this science know: money loves counting, so control over your finances is necessary. Previously, a variety of devices were used for this - from clay tablets to modern books of expenses and income. But in our time, it has become quite easy to keep track of your acquired property - with the help of a computer and special programs for accounting for finances. Also, instead of programs, you can use online services, which can be accessed from anywhere in the world.
If you are interested in applications for accounting finance on smartphones or tablets, then we recommend that you refer to the publication "Budgeting for Android".
You can enter your income in a variety of currencies, convert to another at any time, and if you have an Internet connection, update the exchange rate with one click of a button. The program has an integrated calendar, in which you can record the days of possible spending and income, and a reminder will not let you forget about the event.
Since the program has a large set of functions, it will not be easy to study it right away. You will have to spend a couple of weeks mastering the intricacies of her work, but perfectly arranged control of income and expenses for a month and ample opportunities will compensate for the time spent.
MoneyTracker is a paid program, the trial version has no time limit, but the ability to enter data into the database is limited.
There is a possibility of replenishing the database using SMS messages. jMoney supports the output of reports and the function of printing them, the program is also 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 for free, provided that the users' income does not exceed 14 thousand rubles, otherwise you will have to pay.
Home bookkeeping.
Home Bookkeeping is a comprehensive solution for financial accounting. The program can be installed both on computers and on mobile devices, between which data can be synchronized. With its help, you can keep records of not only personal finances, but also the finances of your entire family, or use it to maintain your company's accounting.
The program has such features as accounting for expenses, income, money given and borrowed, control over debt repayment, planning expenses and income, accounting for an unlimited number of accounts. Home bookkeeping supports the maintenance of records in several currencies, with the ability to receive exchange rates from the Internet, display reports in the form of diagrams and export any information.
Web services for accounting finance.
In addition to the usual programs for managing your income and expenses, which 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 at any time. Popular online services include the following: 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.
The bright and colorful service easyfinance.ru is designed to keep track of finances. Has both free and paid plans. While staying on a free plan, you can keep records only using the site, this tariff is convenient for a small number of accounts. The developers guarantee that the free functionality will outperform 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. Trash is a simple and convenient free system. Possible multiplayer mode for joining other family members to control the finances.
The zenmoney.ru service (Zen-money) is an excellent service for keeping track of finances, which is used by freelancers and entrepreneurs. The service is able to recognize SMS messages from banks and automatically create conducted 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 looked at different ways to keep track of finance. 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 those highlighted in the review, there are hundreds of others, paid and free, with their own methods and principles.
If you are wondering where to stop - a regular program or a web service, there is also no clear answer. Today, some services offer a full range of possibilities for maintaining personal accounting records simultaneously on the service, from a program on a computer or on a smartphone.
Price: basic version - free, premium - 149 rubles. per month.
The first thing for which you can immediately fall in love with CoinKeeper is the absence of the need to register. No names, birthdays or social media links - just open the app and start using it.
CoinKeeper's interface is simple, with your wallets at the top of the main menu and expense categories at the bottom. By default, expenses include groceries, transportation, eating out, household, entertainment, and services. If this division does not suit you, you can add new categories, delete old ones and swap them.
To add an expense record, just swipe from the wallet to the desired category. After that, you can indicate the amount spent, add a comment, select a date and specify the payment frequency. However, if you do not have the time or desire to paint in such detail, it is enough to limit yourself to just entering numbers.
CoinKeeper also has statistics on expenses and income, which can be viewed by month or day. The application provides statistics in the form of graphs and diagrams, which is very convenient.
Cash Organizer
Price: basic version - free, premium package - 249 rubles. per month.
After downloading Cash Organizer, you can immediately synchronize the application with your bank: this will save you from manual input. There is no need to be afraid for the safety of accounts - the application is protected by an SMS password, and also has a protection system in which even developers cannot access your data.
Cash Organizer's interface is not as simple as CoinKeeper's, but it is quite user-friendly. If you still have difficulties with using, you can open the instructions directly in the application.
In addition to the standard functions of such IT accountants, for example statistics, reports, a graph for budget planning, Cash Organizer has a function for maintaining a joint account. It is convenient to keep a joint account with a spouse or financial partner to see where the money is going in real time. If necessary, you can use the "split check" function - then the expenses of one person in different categories will immediately become visible.
The application is available for IOS and Android, as well as web versions for Mac and Windows.
Debit & Credit
Price: basic version - free, premium - 299 rubles.
Another beautiful and simple application. Debit & Credit combines the simplicity of the CoinKeeper interface and the broad functionality of the Cash Organizer.
Debit & Credit developers pride themselves on the high speed at which transactions can be created. They assure that manual input will not take more than five seconds, and the new updated version also has support. To create an expense, you could say, "Siri, pay my $ 100 check in Debit & Credit."
Interestingly, the application has a function for planning the payment of an invoice in the future: you need to enter the date and amount of payment, and the application will remind you of the payment by notification.
In addition, you can check your transactions with the bank. The reconciliation mode minimizes possible errors and allows for better control over spending.
Money lover
Price: Basic version - free, premium - $ 5 one time.
To use the application, you need to specify your email address or log in with or. It does not take long, but it is necessary that all data is saved in the cloud and synchronized with other devices.
The intuitiveness of the application pleases: on the main page at the bottom there are three icons - operations, report, planning and the button "add operation". Not happy with advertising under the icons. You can get rid of it only with the purchase of the Premium version. However, a small advertisement does not interfere with using the application, and the free version is already rich in features.
Beneath the More button are useful tools such as finding ATMs and nearby banks, a tip calculator, and scanning receipts. And if circumstances forced you to borrow money, then this figure can be entered in the "debts" tab. The tab can help maintain your relationships with friends and family if you suddenly forget about your loan.
The app is popular with Android users, but it is also available for iPhone lovers, and also has a web version.
Split
Price: is free.
Split will be appreciated by those who live in a hostel or rent an apartment with friends. The application was created to control joint spending for an apartment, utilities or food. For effective use, you need to add all participants, and everyone can create their own transactions. Split determines the balance of each account member and records who owes whom and how much. Particularly forgetful, the application sends balance results and debt calculations to e-mail. This will help save time and avoid a showdown.
However, the application can be used alone - all its functions are suitable for this.
In the updated version of the application, it became possible to synchronize expense accounts on different devices. It's nice that this can be done without creating a special account.
Looking for free home accounting software? Then you have come to the right place.
Household bookkeeping is the success of maintaining wealth in the family.
You can control income and expenses as in the old fashioned way, i.e. in a notebook, and by modern methods, by installing the appropriate software on a PC.
In particular, we will consider 5 of the most convenient and common programs for these purposes.
- HomeBank;
- Family Budget Lite;
- Family Accounting;
- CashFly;
- Home Bookkeeping Lite.
HomeBank
A free application that allows you to keep track of your finances.
With the help of the software, you will be able to fully control your income and expenses, plan your family budget, analyze your spending and more. Take full control of your spending.
The program supports tight integration and data import from Microsoft Money and Quicken services, as well as other applications for managing your own funds.
Supports QIF, QFX, CSV and OFX formats.
The functions provide for the detection of duplicate transactions. This avoids confusion in calculations and clutter in the database.
Note! Transactions can be sorted into categories. You can also schedule the automatic addition of receipts to the created database by adding various tags and more. There is also a function that allows you to simultaneously edit several fields at once, which greatly speeds up and simplifies the accounting process.
Set an annual or monthly budget level for each category, as needed.
Generate dynamic reports reflecting the current state of your financial position. If necessary, they can be provided with diagrams for clarity.
Family Budget Lite
This program is designed to relieve your agony in terms of counting personal spending. All you need to do is enter your own income and expenses in the appropriate columns.
The program will do all other operations on its own.
The customer benefits are as follows:
- the profitability is taken into account for several main categories and accounts;
- you can deal with accounting for your own debts, loans, investments, deposits and other settlements;
- you can use the auto-categories function, i.e. when entering product names, the program will automatically select the required category from the table;
- detailed report from 8 parts with one click;
- export to HTML, BMP, TXT, Word, etc. It is also possible to print and save the document.
The client can be used simultaneously by several people. Moreover, everyone will have their own account and password.
The latter can be installed when starting the application.
Searching for income and expenses is very convenient, since it is possible to set up the search results by several filters at once: product, date, category, etc.
Family Accounting
If you do not want to systematically wonder where money is constantly going, use this program.
You do not have to speculate and remember where the money went, which was put off for so long for an important purchase, but at a critical moment took and disappeared in the literal sense of the word.
The program will allow you not only to analyze, but also to control revenue. You can also plan your own expenses by thinking over the budget more carefully.
The client has enough opportunities:
- accounting of income and expenses;
- accounting for debts (both borrowed and borrowed);
- analysis of financial transactions;
- possibility of accounting in different currencies.
CashFly is a simple and very user-friendly program for accounting personal financial transactions.
You can create layered structures that display items of income and expense.
It is also possible to build charts of varying degrees of complexity, based on previously entered data and other important financial information for you.
It includes an address book, a list of organizations, and a personal diary that allows you to record reminders of important events for you.
The application is capable of keeping records in almost any given currency, performing scheduled calculations and printing data.
Databases are password protected for greater security and safety of content.
Roskachestvo told how to manage your money
The Russian Quality System (Roskachestvo) has published the results of a study of mobile applications in the personal finance category. During testing, experts evaluated each service according to 70 indicators, executed hundreds of transactions, optimized their expenses and formed a family budget for months ahead. Which application will not steal bank data and help save money for vacation -
According to the National Agency for Financial Research (NAFI) for 2017, about 50% of Russians today do not have access to financial services and do not keep records of their income and expenses, and more than 73% of citizens do not have any savings. A significant part of the population makes decisions about managing their own money not on the basis of analysis or consultations with specialists, but on the advice of friends, acquaintances or at random. All this suggests that the majority of citizens in general do not understand financial instruments. However, mobile budgeting apps that are available to smartphone users are gaining popularity. According to experts, on average, recording expenses will reduce costs by 5-30%, depending on the total volume.
To understand how modern applications for financial accounting work, Roskachestvo conducted a rolling study on 70 quality indicators. Laboratory Roskachestvo selected 27 apps for Android and 28 for iOS. These are the most popular applications in the Russian segment of Google Play and App Store that allow you to take into account both expenses and income. The test program included application functionality, data processing and storage speed, performance, and usability.
According to the research, the best iOS apps outperformed the Android leaders in total score. At the same time, applications for the latest operating system have more functionality than their iOS counterparts.
For example, the Spender app on Android allows you to create several accounts (wallets) by calculating the total user balance, while this function in iOS is limited to creating only one account. Also, this application for iOS lacks the function of scheduling transactions and manual currency conversion.
The "Wallet" application for iOS does not have the functions of accounting for debts and setting financial goals, while in a similar application on Android, the account management unit is almost completely implemented. In addition, this iOS application lacks the ability to maintain budgets - creating a spending limit for specific categories or time periods.
Note that iOS apps are expected to be more secure than Android apps. It's all about the closed nature of Apple's operating system, which makes it less vulnerable to hacker attacks and hacking than the open Android OS. This also applies to the recognition of SMS from banks and their display in the application already in the form of a perfect transaction with a bank account: this process can be automated only in the Android operating system. In iOS, this function works only when manually copying a message (of course, only in those applications that have this function).
The research shows that, despite the large number of financial applications on the market, not everyone has a full package of opportunities. The experts analyzed each indicator and ranked the applications. Based on the overall score, which was formed from the aggregate of points, the highest results were shown: "Debit & Credit - Finance Accounting", "Money Pro" and "MoneyWiz Premium - Financial Assistant" for iOS and "Wallet - Finance and Budget", "MoneyWiz 2 Financial Assistant "and" Finance Monitor Expense Tracker "for Android.
The last places in the rating from the studied applications were "Spender - Budget Control", "EasyFinance.ru Personal Finance", "Finance Book" and "Money Planner Pro - expense tracking, personal finances, family budget" for iOS, "Toshl Finance - budgets "," Expense journal "and" Personal finances family budget "- for Android.
Household bookkeeping is a guarantee of maintaining wealth in families. Users can control finances both in the old fashioned way, that is, in notebooks, and in modern ways, by installing appropriate applications on computers. In this review, the best program for recording income and expenses will be selected.
HomeBank
Free utility that allows you to do home bookkeeping. With this, the user can control the family budget, analyze expenses, etc. The application allows you to import data from the Quicken service and utilities for managing personal funds. The program for recording income and expenses works with QIF, QFX, CSV and OFX formats.
Incoming transactions are automatically added to the database. The user can write tags and edit multiple lines at the same time. This will speed up the work and simplify the settlement process. The application can create an annual or monthly plan for each category, as well as generate dynamic reports reflecting the current financial situation. Diagrams are added to the text for clarity.
"Family Budget Lite"
In order to start working in this program, you just need to indicate income and expenses in the appropriate columns. All operations are performed automatically. The data is presented in several main categories. The program can keep monthly records of loans, deposits, etc. When specifying the names of goods, the application automatically selects the required category from the list.
To create a detailed report, you need to make 1 click with a computer mouse. The program works with HTML, BMP, TXT, as well as MS Word and Excel. If necessary, you can print and save the document. Each user who wants to work with the utility needs to register. The password can be set when starting the program.
Searching for accounts is very convenient. The user can customize the issue using several filters: "product", "date", etc.
"Family accounting"
The utility allows you to analyze and control income. The user will learn how to plan expenses and think over a budget. He will no longer have to remember where the funds set aside for an important purchase have gone. The program can keep track of revenue and debts in different currencies, analyze financial transactions.
The user can not only work in the application independently, but also provide access to other people. Each participant in the system will have their own credentials. The program for accounting of income and expenses creates archive copies of the database, which are saved for later recovery or export to Excel.
CashFly
It is a simple and very end-user friendly utility. The PC owner can create intuitive multi-level structures and complex graphs that display input data and other important financial information. Here the user will find an address book, a list of companies and a personal diary.
The organizer allows you to keep records of important events. The utility was created to keep track of income in any currency, carry out scheduled operations and print information. To restrict access to the database, the user should set a password.
"Home Bookkeeping Lite"
This utility is designed for the daily accounting of incoming funds. The user can organize personal and family expenses. The application will also appeal to owners of small businesses and businesses. The interface of the program for accounting for income and expenses of an individual entrepreneur is simple and intuitive. It is not necessary to have special knowledge in the field of accounting to work with the utility.
The user can keep track of income, expenses and other transactions. There is no limit to the number of accounts in the program. The user can choose a currency, adjust the interface to suit his own needs, look for answers to questions in a special help system. To start working with the application, you must enter your username and password.
AbilityCash
With this application, you can keep financial records both at home and in the organization. The user gets access to a large number of options. At the same time, the free program for accounting of expenses and income does not take up much space on the PC. The utility interface is quite simple. Thanks to this application, you can use it without special knowledge and skills.
The program allows you to adapt any function. The user can keep separate records for each item of personal expenses. He does not need to enter the data into the proposed category. Incoming funds are accounted for in any currency.
With this utility, you can plan cash receipts and costs for any period. The program helps to accumulate the required amount of money within the specified time frame.
Personal finances
Another handy cash management app. The developers offer users to download a trial version of the income and expense tracking software for free or purchase a license. The utility has a user-friendly interface. With the help of the demo base, you can master the program in a short time. The application allows you to control the expenses of all family members, track bank deposits and loan payments, plan a budget in different currencies.
The user can transfer money from one account to another, view the list of debts, create reports on selected categories. The utility was created for Windows and iOS operating systems. The application can also be run from a USB stick.
Family Pro 11
This is another paid income and expense tracking software for home. The developers offer PC owners to download a trial version of the utility. This is necessary in order for the user to be able to study all the options and understand whether he will purchase a license. The interface is user-friendly and straightforward. The application can be mastered in a few hours.
The program for keeping track of income and expenses allows you to track loan payments, create goals, plan a family budget. The user can save reports for the specified period and synchronize with other devices. The disadvantages of the utility include the lack of an option to add categories.
It is very convenient to keep a book of income and expenses in the program. To store data, just install the utility. After that, the owner of the PC can begin to make calculations, while systematizing income and other financial transactions.
conclusions
Users looking for a fully functional utility will appreciate the HomeBank and CashFly apps. Family Pro 11 will be chosen by people who know how to concisely manage their family budget.
