5 Apps for Your Smartphone to Manage Personal Finance

Here are five apps that may help you to manage your personal finances. The apps mostly revolve around how to budget, save money and track your expenses. However,because they are all so different (functionality wise) it was unfair to rank them,therefore the list is in no particular order.

1 - BillTracker
Just $1.99 for the iPhone

It is unlikely that all of your bills need to be paid on the same day, which is why the BillTracker app was invented. It can keep track of all your routine bills. All you need to do is program it with the amount you pay for each bill, and when it needs paying. The app will put this information onto a calendar so that you can check your bills through the month.

The app allows you to keep track of all your bills as the month progresses. You can keep checking your app to see which bill is coming next, or you can set an alert so that it lets you know what a bill date is rolling around. It is a good app for if you have trouble budgeting and a good app if you are fearful of forgetting your bills. Late fees and overdrawn fees are not only an expense nobody wants, they also act as a black stain on your credit rating.

2 - Easy Money
Just $9.95 for the Android

This app is a toolbox app that has a mix of features and functions to help you manage your money. You can program it to warn you about recurring transactions and bills. It can also be set to warn you about overdue bill notifications. It will give you access to customizable financial reports in which you can add color-coded budgets and keep a note of the transfers between accounts.

You can use the Easy Money home screen widget to see an account summary as a result of your programmed transactions. You may also add any new transactions without needing to open the app. You may also take photos of your bills and receipts and store them with the app. You can export any results and calculations onto a spreadsheet (CSV format), which will allow you to store the information or use it for analysis and further calculations. The app seems expensive, but you can try their free 30-day trial first to see if you will feel any benefit through its use.

3 - Pageonce Personal Finance
Just $6.99 for their Personal Assistant Premium on the Android.

This app is able to track your bills, credit cards, investments and bank accounts. If you program it with the relevant information then it will alert you when your bills are due.However, there is no budgeting feature. Your app can track other pay-as-you-go metrics such as your frequent flyer miles and cell phone minutes. The premium version will even provide you with flight information.

It has a few non-financial features too, such as allowing you to check your Netflix queue,Facebook and eBay accounts. Since this app has access to your personal and financial information, it is a good idea to research the app thoroughly prior to installing it. You should also make sure you add a very strong password onto the app too. They do offer a free limited account that has adverts on it.

4 - Mint.com
Free for the iPhone and Android.

This app is free and allows you to keep track of your finances. You can use it on the iPhone and on the Android operating systems, which includes letting you transport information from one to the other. You can check your accounts, set up budget notifications and add transactions to your app. It is good budgeting app, even if it is free.

5 - Barcode Scanner Shopping
Just $0.99 for the iPhone.

This is a money saving app. You need to take your iPhone shopping with you. You take a photograph of a barcode and this app will read it. It will then bring up a list of places where you can buy that product, and the costs of the product. It will also show you where the store it and when it’s opening hours. You can also use this app to learn more about the product you are looking at. You can check to see if it was ethically manufactured and other details that are often placed upon websites.

Just like Google shopping, the online version is flawed. Just like Google, the website will show a price, and even tell you that it is free shipping, until you get to the final checkout stage where it will add in a shipping charge. So before you opt to leave a store and buy online, you need to test the website. You need to take the transaction all the way to the point where they want your payment details so that you can find out their true shipping cost. Because you may discover that it would be cheaper to purchase the item there and then from the store you scanned it in.

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