Mobile application for personal finance accounting. Overview of programs for maintaining a family budget - Introduction

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

Financial accounting programs allow you not only to obtain detailed statistics on all transactions, but also to get rid of the need to keep unnecessary information in your head. It’s unlikely that anyone will remember how much they spent on a trip or a new TV 3 years ago, but if you save this data in the application, it will not disappear anywhere.

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

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

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

Some financial managers have a web version and tools for exporting to XLS, CSV and other formats. Even if they don’t have their own service on the Internet, many similar applications are integrated with Dropbox and Google Drive, so backups and spreadsheets can be saved in the cloud.

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

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

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

To create an account with Controle Financeiro Mobills you will need an email. The account allows you to synchronize data with the cloud and log in from other devices. Without export to a memory card or integration with services like Dropbox, this is your only backup tool.

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

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

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

The application provides almost all the necessary tools for controlling finances. Here you can manage your budget by limiting expenses to certain categories, view transaction reports for any period, and much more. There is also a set of widgets and even a web version of the service.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Total Money Lover gets 4.6 points.

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

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

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

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

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

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

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

Monefy only gets 4.3 points.

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

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

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

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

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

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

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

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

Expense Manager gets 4.6 out of 5.

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

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

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

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

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

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

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

Total Money Manager gets 4.7 points.

Finance PM is a simple and convenient application containing a basic set of functions for monitoring financial transactions.

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

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

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

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

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

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

Overall Finance PM gets only 4.3 out of 5.

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

There is no need to create an account in Spending Tracker, since synchronization here is carried out via Dropbox. If desired, you can enable automatic backup to the cloud.

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

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

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

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

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

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

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

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

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

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

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

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

Conclusion

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

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

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

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

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

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

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

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

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

Looking for free home accounting software? Then you've come to the right place.

Maintaining home accounting is the success of maintaining wealth in the family.

You can control your income and expenses the old fashioned way, i.e. in a notebook, and using modern methods, by installing the appropriate software on a PC.

In particular, we will consider the 5 most convenient and widespread programs for these purposes.

1. HomeBank;
2. Family Budget Lite;
3. Family Accounting;
4. CashFly;
5. Home Accounting Lite.

HomeBank

A free application that allows you to keep track of your finances.

Using the software, you can fully control your income and expenses, plan your family budget, analyze expenses and more. Take complete control of your spending.

The program supports tight integration and import of data 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 include detection of duplicate transactions. This allows you to avoid confusion in calculations and clutter in the database.

Note! Transactions can be organized into categories. You can also schedule the automatic addition of incoming transactions to the created database, adding various tags and more. There is also a function that allows you to edit several fields at once, which significantly speeds up and simplifies the accounting process.

Set annual or monthly budget levels for each category as needed.

Generate dynamic reporting that reflects the current state of your financial situation. If necessary, they can be provided with diagrams for clarity.

Family Budget Lite

This program is designed to relieve your agony regarding counting personal expenses. All you need to do is enter your own income and expenses in the appropriate columns.

The program will perform all other operations independently.

The client benefits are as follows:

• profitability for several main categories and accounts is taken into account;
• you can account for your own debts, loans, investments, deposits and other calculations;
• you can use the auto-category function, i.e. when entering product names, the program will automatically select the required category from the table;
• detailed report of 8 parts in one click;
• export to HTML, BMP, TXT, Word and . It is also possible to print and save the document.

The client can be used by several people at the same time. In this case, everyone will have their own account and password.

The latter can be installed when the application starts.

Searching for income and expenses is very convenient, since it is possible to customize the results using several filters at once: product, date, category, etc.

Accounting Family

If you don't want to systematically wonder where your money is constantly going, use this program.

You don’t have to speculate and remember where the money went, which was put aside for so long for an important purchase, but at a critical moment it took it and evaporated in the literal sense of the word.

The program will allow you not only to analyze, but also to control revenue. You will also be able to plan your own expenses by thinking through your budget more carefully.

The client has enough options:

• accounting of income and expenses;
• accounting of debts (both borrowed and borrowed);
• analysis of financial transactions;
• Possibility of accounting in different currencies.

You are free to work in the program yourself, or give access to other users. Everyone will log in with their own credentials.

For security, archival copies of the databases are provided, which can be saved for later restoration from the archive or uploaded to Excel/.

CashFly

CashFly is a simple and very user-friendly program for recording personal financial transactions.

You can create multi-level structures displaying income and expense items.

It is also possible to build charts of varying degrees of complexity, based on previously entered data and other financial information important to you.

There is an address book, a list of organizations, and a personal diary that allows you to record reminders about events that are important to you.

The application is capable of keeping records in almost any given currency, performing scheduled calculation operations and printing data.

Databases are password protected for greater reliability and security of content.

Home Accounting Lite

This application is designed for financial accounting. You can systematize both personal and family expenses.

The program is also perfect for systematizing the profitability of small companies and enterprises.

The software is very easy to use and does not require any accounting knowledge from the end user. You have the opportunity to take into account income, expenses and other transactions.

The number of accounts is unlimited.

Note! You can make your entries in several currencies without being tied to any specific unit of account. If several people use the application at the same time, entries are entered independently, since they are logged in under different accounts.

The program interface is in Russian. It is intuitive even for beginners. It is possible to adjust the interface to the needs of a specific user.

A special help system is provided to resolve questions.

As you can see, home accounting is possible not only on paper.

Now, in order to store several records and not get confused in the calculations, you just need to install one of the applications, create your account and start making calculations, systematizing the total profitability and other financial transactions.

This is much more convenient than spending many hours calculating expenses on a calculator and then filling out tables.

And it is much more difficult to make mistakes in calculations, since the system will warn about possible duplicate data.

The best program for home accounting. Review of home accounting

Top 5 free home accounting programs for every day

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

10.07.2018

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

07.09.2016

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

22.07.2016

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

20.07.2016

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

19.07.2016

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

14.07.2016

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

HomeBank

A free utility that allows you to do home accounting. 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 accounting income and expenses works with QIF, QFX, CSV and OFX formats.

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

"Family Budget Lite"

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

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

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

"Family Accounting"

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

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

CashFly

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

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

"Home Accounting Lite"

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

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

AbilityCash

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

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

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

Personal Finances

Another convenient app for managing money. The developers offer users to download a trial version of the income and expense accounting program for free or purchase a license. The utility has a user-friendly interface. Using 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, and plan a budget in different currencies.

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

Family Pro 11

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

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

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

conclusions

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

If you and your family members have thought about a convenient home accounting in order to clearly see not only your income, but also your monthly expenses, then the usual paper notepad with a pen is already 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 home accounting, which you can download for free on the Internet quite easily, will be the best solution for realizing your goals.

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

In our article we will look in more detail at completely free programs, as well as those that can be download for free, but in the future you will need to activate them to expand functionality. All programs in our review are released in Russian.

Free programs for home accounting

Cubux

Cubux(www.cubux.net) is a fairly convenient service for managing income, expenses and debts online. Whether you use a gadget or just a computer, the data is synchronized and saved from all devices into one database.

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

A report on your finances is reflected monthly in statistics. The “Debts” section will help you not to forget about your debts, as well as about your debtors.

Use the instructions for using the service or contact technical support to resolve the issue. Don't 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/) – completely free an 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 Quicken and some other applications. Works using the following formats:

• QFX (OFX);

Features of work:

• the ability to break down expenses and income by category;
• displaying data in the form of charts;
• planning future expenses;
• the ability to create transactions automatically;
• visualization of current operations;
• importing data into specific formats that the program works with.

If you decide to download for free (https://dervish.ru/), then when you open the program for the first time, its interface may seem too simple, uncomplicated and unattractive to you, 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 possibilities open up.

With AbilityCash you can:

• create a variety of accounts without limiting their number and currency;
• work with popular formats. xls and .xml;
• print various versions of reports on paper;
• use some rare languages ​​(Ukrainian and Lithuanian);
• customize the appearance to suit 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 notes to specific cells.

By default, only the Russian ruble is preset, but you can expand the list of currencies using current data from the website of the Central Bank of the Russian Federation.

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

Among the advantages Family budget The following can be noted:

• can keep track of income and expenses in several accounts at once;
• The auto-selection function of categories is available, i.e. When you enter a specific product, it will automatically be sorted into a specific category;
• the ability to create an 8-item report by pressing just one button;
• use of popular formats .bmp, .txt, .xls, .doc;
• printing reports;
• the ability to use the program by several people at once, and registration is free for each user with the creation of their own login and password, which must be entered when logging in.

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

• ability to create multiple accounts.
• not only analysis of expenses is available, but also their control, i.e. when you reach a certain maximum you set, the program will notify you that you are approaching the mark;
• the ability to account for debt obligations, both your own and those who owe you;
• use of different currencies;
• creating database backups, which can later 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 the official or any other site.

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

The functions of this utility are otherwise completely identical and standard for similar programs ( for example, Home Accounting, and other free programs).

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

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

• accounting for income and expenses, including those that you plan for the future;
• multi-currency, unlimited number of accounts;
• tree structure with various sub-items and branches;
• transfer of funds between accounts;
• automatic updating of exchange rates;
• taking into account not only purchases, but also their weight;
• the ability to schedule certain operations to be carried out automatically, as well as temporarily disable such payment;
• working with counters, as well as accounting for benefits and discounts.

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

• ability to archive data;
• password protection;
• preparation of planned operations;
• constructing graphs and diagrams for various parameters;
• the ability to print data;
• address book for recording data of individuals and organizations;
• the ability to keep a diary and set up notifications about memorable dates.

Shareware programs for home accounting

These programs can be downloaded for free without registration, but payment may be required for expanded functionality or long-term use.

(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 there are two workers in a family, then the Lite version will be quite enough for them. Cost of the full version of the program – 1,300 rubles.

With the AceMoney program you can:

• manage your funds in various currencies (more than 150 currencies are represented);
• monitor online changes in exchange rates;
• distribute your budget according to expense items (the program has more than 100 preset options for spending money);
• tracking budget revenues and expenses;
• calculation of expenses according to a certain sample for the period of interest (utilities, mobile communications, groceries, etc.);
• reporting (common formats are available. xls and .html);
• accounting for savings, debt obligations, mortgages;
• the ability to create a backup copy, etc.

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

The Home Accounting program can:

• keep records of expenses and income;
• counting debt obligations (both yours and those incurred in front of you);
• calculate the possibility of partial repayment of debts, as well as interest on debts;
• remind you about the time to pay debts or mandatory payments;
• build reports in the form of tables and charts;
• synchronize databases, compress them, clean up unnecessary things, etc.

Main advantages over other programs:

1. the presence of pop-up tips for budget planning;
2. update via the Internet;
3. customizing the interface;
4. the ability to convert data in 15 most popular formats;
5. currency exchange, current information on 5 selected currencies, current exchange 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 also expand the functionality.

Family Pro

Family Pro(http://www.sanuel.com/ru/family/) - another shareware version of a paid program. Don’t rush to look for something else, as it is quite easy to use and in the free 30 days you will definitely be able to understand whether it is right for you or if you should look for something else. If free version will completely satisfy you, then paying 500 - 600 rubles for a complete package is not so much.

For the purposes of private business, this program for home accounting is also suitable, which can be downloaded for free from many Internet services. This utility, in the most interesting and competent way among its competitors, implements the ability to create and save reports, as well as instantly send it to print. With Family Pro you can create the following types of reporting:

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

Using the utility’s tools, the user can plan deposits and loans for free, predict expenses and income in the budget for a certain month or period, predict possible cash flow if there are several sources of income and counting “in the head” is completely unacceptable.

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

The Personal Finances program is presented in a free demo version with limited, but sufficient functionality for comfortable use, as well as in a paid version costing from 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 possibilities:

• family budget management;
• tracking mode online interest on deposits;
• possibility of repaying loans;
• multi-currency with the ability to update rates from the Internet;
• organizing expenses not only by category, but also by each family member;
• dealing with debts;
• reports in the form of graphs, diagrams, projects, etc.

Economy

Program Economy(http://home-economy.ru/) is ideal for those who are completely unfamiliar with economic and financial terminology, and also cannot distinguish the concept of “transactions” from “investments”. There are no terms or words that are difficult to understand, so even a teenager or an elderly person can probably use this utility.

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

Advantages of the application:

• simple, clear, convenient and pleasing to the eye interface;
• creating an unlimited number of accounts and accounts in each of them;
• the ability to create foreign currency accounts, as well as maintain records in various currencies;
• reminders about the dates of payment of loans, utility bills and other obligatory payments;
• the ability to use various 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 the paid version, especially since its cost is only 250 rubles.

Maintaining personal accounting online

You can do home accounting completely free of charge, even without downloading any applications to your mobile devices or home computer, since today there are quite a few online services for keeping track of family expenses and income.

Among the most common and free services are the following:

• Rubbishmoney;
• Where is my money?;
• EasyFinance;
• HomeMoney etc.

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 capabilities as standard programs.

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

This article does not present all currently existing programs for maintaining home accounting and. Only the most popular, successful, and also available for downloading without restrictions are described here. If desired, every Internet user can find something more suitable than what is presented here. Eg, X-Cash, Xenon, Home finance, DaReManager or anything else. Find what suits you and plan your budget!

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