The best programs for managing your finances. Pocket Accounting: The Best Expense Control Apps for iOS and Android

The issue of saving the family budget in a financial crisis is becoming increasingly relevant. How to reduce expenses if you cannot increase revenue? The most in a simple way Saving is control and accounting of every expense. This helps to avoid unplanned, impulsive purchases that we only regret over time. It is our emotions that marketers rely on when arranging goods in supermarkets in a certain way. Understanding that it needs to be added to the list of expenses can protect you from unplanned expenses. And you won’t be able to find a reasonable explanation for why you purchased a truly unnecessary product.

Smartphones have long been part of our daily lives. Today it is not just a mobile phone. With wide functionality smart gadgets we develop, have fun, and solve many complex daily problems. The best will help us organize control of your budget financial applications for Android, which we will look at today in this article.

For installation similar applications you will need reliable smartphone, the purchase of which will not force you to put a bold budget minus in your financial accounting application. Therefore, we recommend a powerful, modern and affordable smartphone from a young British brand. This is the Wileyfox Swift 2 Plus model.

Home accounting in your smartphone

Let's look at the TOP 5 free applications that will help you get your home accounting in order. These are financial applications for Android that you can download and install on your smartphone completely free of charge.

1. Home Accounting Lite

The application will help you organize your finances and take control of your family budget. This is one of the most popular free applications created for mobile devices running Android OS. You only need to regularly enter data on the movements of your funds, and the application will automatically analyze all this information.

Application features:

• Organize accounting of the revenue and expenditure side of the budget;
• Plan large purchases and budget expenses;
• Use two currencies at your discretion when making calculations;
• Control funds in different accounts;
• Monitor your credit obligations and plan a repayment schedule;
• The ability to synchronize the application with other devices, including a computer;
• Receive a visual report on the movement of your funds, which facilitates its analysis and planning;
• Control exchange rates.

The application reliably protects all your data. Login to the application using a password. It is possible to synchronize the application with popular cloud services.

2. Personal financial manager

This Android financial accounting application is designed to allow you to organize control of your family budget as simply and quickly as possible. Thanks to the program, you will always know where your money was spent - on car maintenance, rent, education, sports, food, recreation, entertainment, etc. The application will also help you save money for a vacation or for a major purchase.

The functionality of the program allows you to control the movement of funds on all existing accounts and wallets electronic currencies. You can set a spending limit for each of your accounts. This will help you stay within your budget and see where you are spending more than you planned. In addition to the application itself, you can also use the program's web interface.

3. AndroMoney

Simple and effective application for calculating finances on Android. AndroMoney is your personal tool for managing your personal or family budget using your smartphone. The program is simple and easy to manage, allowing you to monitor the movement of money by expense categories on a daily basis. You can receive reports in the form of a visual graph.

The application allows you to use several accounts with different accounts and balances at the same time. You will also be able to synchronize application data with storage in cloud service Dropbox or Google Docs, as well as with your other devices. You can keep financial records in different currencies and convert them if necessary. The application is password protected, which will protect your information from prying eyes.

4. Cost accounting. Rubbishmoney

The application will allow you to organize accounting of your income and expenses, thereby putting your finances in order and eliminating unforeseen expenses. You will only need to regularly make changes to the family budget - both income and expenses. Thanks to this, you will have up-to-date information at any time about how much money was earned and how much was spent. certain period time.

Application features:

• Recognize SMS from banks and automatically enter data into the appropriate budget categories;
• Quick data entry manual mode and demonstration of current account balances;
• The ability to separate family budget control and expenses for each user;
• Control over your credit obligations and funds that you have lent to third parties;
• The multi-currency nature of the application allows you to keep records in any currency;
• Ability to analyze your expenses and budget planning;
• Reliable application protection with password and PIN code.

5. Expense journal

An expense journal will allow you to keep track of your financial flows. The interface is simple and clear. You will be able to enter information about the receipt of funds or new expenses into the application, monitor the overall picture and make plans for the future.

The expense journal allows you to:

• Monitor income and expenses in different currencies;
• View statistics for any period of time;
• Visually provide the family budget in the form of a diagram;
• Balancing income and expenses;
• Selecting and editing the list of categories;
• Control exchange rates.

The application is password protected.

Conclusion

We have focused on the five most popular solutions for home accounting. Now you can choose the best Android finance app and use it in your life to learn how to manage your family budget.

Why Wileyfox smartphones are attractive

Wileyfox smartphones were first demonstrated to the market in October 2015. In order to attract attention to its products, the company’s team has provided for the most current requirements that users place today on mobile gadgets. As a result, each model of the brand received exactly the functionality that most buyers are looking for. And most importantly, Wileyfox smartphones received competitive pricing in comparison with products from other companies with similar characteristics. By choosing any smartphone from Wileyfox, you are guaranteed to receive:

• Ability to work with two SIM cards;
• Connection to high-speed mobile 4G LTE Internet;
• A high-quality device, with impeccable assembly and powerful equipment;
• A device with high performance and software stability;
• Wide possibilities for customization;
• Inexpensive modern stylish smartphone;
• Official guarantee 12 months;
• Access to a wide network service centers(more than 200 representative offices throughout Russia).

The new product on the mobile market was noticed and appreciated by users. New models and experts did not go unnoticed. Behind short term Wileyfox was highly praised by experts:

• In December 2015, the team of the authoritative magazine recognized the Wileyfox Swift model as the smartphone of the year;
• In January 2016, Wileyfox Storm, according to the resource tdaily.ru, became the best budget smartphone;
• In February 2016, Wileyfox received first place in the Manufacturer of the year category at the prestigious British Mobile News Awards 2016;
• In October 2016, the authoritative online publication Hi-Tech Mail.ru admitted that best smartphone at a price of up to 10,000 rubles - this is Wileyfox Spark+.

Wileyfox Swift 2 Plus

Wileyfox Swift 2 Plus has a stylish modern design and excellent specifications. The body is made of modern aluminum alloy - durable and lightweight. The model is equipped with a fingerprint scanner, navigation modules and NFC module. The smartphone display has a diagonal of five inches, with an IPS HD screen, with stylish 2.5D rounded edges. The display provides high quality images even at wide viewing angles – up to 178 degrees.

The hardware is based on a powerful powerful 8-core processor Qualcomm Snapdragon 430 MSM8937, built on a 64-bit architecture and operating at 1.4 GHz. The smartphone has 3 GB of RAM and 32 GB of internal memory, which can be expanded by installing a microSDXC card up to 64 GB. The phone has a high-quality 16-megapixel main camera. The front camera module has a resolution of 8 megapixels.

You can order the Wileyfox Swift 2 Plus smartphone on the official website for 11,990 rubles. There you can familiarize yourself with the model in more detail, study its characteristics and capabilities.

Did you like the article? You might be interested in a selection of useful apps for motorists. Read more in our article.

If you find an error, please highlight a piece of text and click Ctrl+Enter.

Greetings to everyone who continues to get acquainted with the world of investments and all its components! Financial well-being depends not only on how much a person earns, but also on how he manages it in cash. How to choose the best financial accounting application to conveniently monitor the movement of your money? I will tell you and show you in this article.

Programs for PC (desktop computer)

Family

We can safely call the best option among budget monitoring programs individual user or group of people. The application provides loans and deposits. Registered categories, which take into account the user’s property.

Exists synchronization computer version with an application on the phone. However, the connection between the two programs has not been thought through different computers. This feature can be an inconvenience if you consider Family as an option with a multiplayer mode. The developers of the project made it so that You won't be able to switch to another product without losing data. The system for exporting and importing information is not well thought out. Therefore, when starting to work, you will have to record income, expenses, etc.

Installing the full version on your computer will cost 14,95-29,95$ . The mobile phone application will cost the user $4.95. The convenient thing is that you can download the program and use it free trial for a month. Download link: http://www.sanuel.com/ru/family/download.html .

Keepsoft.ru (home accounting)

Designed to monitor financial condition all family. In this case, a password can be set for each individual user’s record. The rules for creating and maintaining a list of sources of personal income are described in detail in the instructions, so all family members can understand them. A function synchronization between computers and smartphones will allow you to simultaneously work with keepsoft.ru on different devices. For the convenience of analyzing the family budget, there are visual graphs and charts.

You can record your sources of personal income and financial transactions immediately in several currencies, if necessary. There is monitoring of loans and money that you have borrowed or borrowed. There is a timely reminder system for this category of funds. The application allows you to import and export information.

Mobile applications

CoinKeeper

Very convenient for working with the touchscreen. For example, Money transfers are carried out by dragging and dropping coin icons of different accounts. This system allows you to quickly complete a transaction. Difficulties can only arise if you have a lot of accounts.

The program can be used by several people who form joint budget, since it exists system cloud synchronization data. In CoinKeeper you can select one or more currencies. Categories of debts and loans are specified for which reminders are provided.

The cost of such a program is approximately 265 rubles per year. The application is suitable for Android and iOS devices, and you can download it here: https://coinkeeper.me/ .

EasyFinance

Pleasantly surprises the user already upon registration. At the beginning of your work, you can set up individual categories, taking into account which you will periodically be offered recommendations on income distribution. If you start spending too much, a special indicator will let you know..

There is a function in the program financial cushion. When registering, you create a goal for yourself to accumulate a reserve for six months of living in conditions if you do not have a stable income. A financial cushion is a cash reserve that will help you in unforeseen life circumstances. With the help of the planning wizard, you can see at the beginning of the month how much money you need to allocate to pay debts, loans, mandatory expenses, and how much you can spend at your own discretion. Automatic synchronization with Google calendar will help you avoid fines and penalties for late payments.

It is worth noting that EasyFinance supports multi-user mode of operation. For example, it is much more convenient to keep track of the expenses of family members if you group lists of expenses by user. The advantage is that you can set up automatic synchronization with bank accounts. Besides, Favorite accounts and lists of systematically recurring transactions are saved.

EasyFinance, a program for creating a complete personal financial plan, is available for installation on phones with iOS and Android. You can download the application from the link: http://easyfinance.ru/#apps .

BUDGET

This is a system that is better than others disciplines the user and teaches them to use their funds rationally. The special feature of the application is that it calculates the amount that can be spent daily.
You indicate your monthly income and planned expense items, and the amount of funds for each day is automatically calculated. If you spent more money, a recalculation occurs immediately and the daily norm decreases. All this is very convenient to follow.

To avoid spending too much, you can enter maximum amount expenses, which should not be exceeded. When your monthly expenses approach this mark, you will receive a corresponding message, and this will mean that it is time to start saving. Unfortunately, there is no function that allows you to set payroll dates.

Feature BUDGET is the presence of the mode " Journey" When you travel to another country and pay in a currency other than your usual one, tracking expenses becomes a little more difficult. “Travel” allows you to temporarily enter a conversion rate and record your costs in the currency of the country where you are located. The information will automatically adapt to the main currency system.

By using BUDGET Personal finance accounting is done in the program for free. The application sends reminders. Reporting on the user's financial status is presented in the form charts and graphs.

BUDGET– the best program for accounting cash in iOS system. If you decide to download it, then use the link: http://www.dailybudget.de/

Toshl

Distinguished by its bright and attractive interface, interesting system working with the user. The program will help you design, instructions for drawing up which will be given with the help of a funny character. It is the cute three-eyed alien who will tell you the state of your monthly budget.

Expense categories must be configured manually by entering tags. The fields must be filled out at the same time. accustoms you to some systematic work with Toshl. Another advantage is that information export is supported. Some additional functions open only after payment, which, of course, is not very pleasant. The personal finance accounting application is available for smartphones with iOS, Android, Windows Phone. You can download Toshl from this link: https://toshl.com/ru/ .

Other programs

In the review I presented the most common and convenient programs. In addition to the listed options, there are quite a lot of them: savecash.me, Moneytracker, AceMoney, Your Money, Personal Finances, Cash Organizer, Zen Money and many others.

Conclusion

In this article, I made a selection of popular paid and free programs for personal finance accounting. They all work approximately according to the same scheme, but still each has its own distinctive features. To understand which financial control system is right for you, you need test several such programs. Write in the comments what applications you use and why. Goodbye!

If you find an error in the text, please select a piece of text and click Ctrl+Enter. Thanks for helping my blog get better!

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

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

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

Here is a partial list of what she can do:

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

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

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

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

How Xenon will help you control your Family budget:

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

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

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

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

AceMoney Lite features:

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

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

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

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

Features of Economy Lite:

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

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

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

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

DomEconom features:

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

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

Markswebb Rank & Report tested 11 of the most popular Russian-language applications for monitoring and planning a personal budget and selected the best. Applications are available in Apple's online software catalog.

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

The problem with banking applications is that in most cases they analyze expenses on accounts and cards in a particular bank, while most Russians usually use the services of several credit institutions, and often spend cash. At the request of RBC Quote, the Markswebb Rank & Report agency selected the most popular apps for home accounting iOS platforms and Android and tested them.

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

Both programs allow you to import bank statements in several formats. True, entering this data is only possible in synchronization with mobile application web versions. It was not the first time that this was done correctly on the Easy Finance website. In addition, for this you need to have Excel skills.

And in order to set up automatic entry of transactions in the Zen Money application, you need to send an e-mail about completed transactions from the bank to email address, provided by the developers of this project. This way, you can automatically enter card transactions from, for example, Citibank, VTB-24, and Bank St. Petersburg into the application. In total, the service offers synchronization of expense data in one way or another with eight banks.

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

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

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

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

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

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

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

“In the end, we found 5 services to be the most convenient and visually attractive,” says Alexey Skobelev, CEO of Markswebb Rank & Report. Here they are:

• Spendee is suitable for students and those who practically do not use banking services.
• Zen Money and CoinKeeper are attractive and convenient applications for easy expense tracking. Suitable for those who use cash and several bank cards at the same time.
• MoneyWiz and Money Pro are complex applications with a lot of settings. Suitable for those for whom functionality is a priority over convenience.

In addition to analyzing expenses, applications often offer to set certain goals - to save the necessary amount of money, for example, for a car or to create a financial “cushion” for 6 months.

Application developers (in in this case Easy Finance) have fully absorbed the advice of financial advisors. This one - about the need to have enough money for six months of comfortable existence just in case - is one of the most favorite. As well as advice - monitor your expenses.

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

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

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 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. Accounting programs 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 from Excel file and save 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. Distinctive feature this program is considered to support 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 in automatic mode;
• 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 not attractive to you, but do not rush to close it just now 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;
• put on paper various options reports;
• use some rare languages ​​(Ukrainian and Lithuanian);
• tune appearance according 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 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 standard features for accounting income and expenses, planning a family budget, 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 program 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/) – completely free application with great possibilities:

• 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. Counting here means not only bank cards or bills, but also 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 (utility payments, mobile connection, products, 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. Given computer application will allow you not only to calculate the accounting of expenses and income in the family, but also to 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 conditional free version 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 completely satisfies you, then give it for full package 500 - 600 rubles 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 tools, the user can plan deposits and loans for free, predict expenses and income in the budget for specific month or period, predict the possible cash flow if there are several sources of income and counting “in your 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 similar application on Android based or iOS and synchronizing 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 tracking 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 of the current existing programs on 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!

If you find an error, please highlight a piece of text and click Ctrl+Enter, and we will definitely fix it! Thank you very much for your help, it is very important for us and our readers!