Home money program for a computer. Paid and free programs for home accounting

As far as we can look into history, money played a very important role for people. And now there is no need to talk about it. Everyone has their own attitude to money: someone idolizes it, someone despises it, someone just earns. According to the Chinese science of Feng Shui, if money is treated with respect, neatly, kept in order, then this will help the family to live in abundance.

Even those who are not familiar with this science know that money loves an account, so control over your finances is necessary. Previously, a variety of devices were used for this - from clay tablets to modern books of expenses and incomes. But in our time, it has become quite easy to keep track of your belongings - with the help of a computer and special programs for accounting for finances. Also, instead of programs, you can use online services that can be accessed from anywhere on the planet.

If you are interested in financial accounting applications on smartphones or tablets, we recommend that you refer to the publication “ Budget planning for Android".

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

Since the program has a large set of functions, it will not be easy to learn it right away. It will take a couple of weeks to master the intricacies of its work, but the well-arranged control of income and expenses for the month and the wide range of opportunities compensate for the time spent.

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

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

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

Home bookkeeping.

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

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

Web services for financial accounting.

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

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

The drebedengi.ru service is designed for those who do not want to spend a lot of time planning and controlling their funds and immerse themselves in the study of the service. Drebedengi is a simple and convenient free system. A multiplayer mode is possible to join other family members to control finances.

The service zenmoney.ru (Zen-money) is an excellent service for keeping track of finances, which is used by freelancers and entrepreneurs. The service is able to recognize SMS messages from banks and automatically create completed transactions in the service.

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

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

If you ask yourself what to stop at - a regular program or a web service, there is also no definite answer. Today, some services offer a full range of personal accounting options at the same time on the service, from a program on a computer or on a smartphone.

Roskachestvo told how to manage your money

The Russian Quality System (Roskachestvo) has published the results of a study of mobile applications in the personal finance category. During testing, experts evaluated each service according to 70 indicators, completed hundreds of transactions, optimized their expenses and formed a family budget for months ahead. Which application will not steal banking data and help you save money for a vacation -

According to the National Financial Research Agency (NAFI) for 2017, about 50% of Russians today do not have access to financial services and do not keep records of their income and expenses, and more than 73% of citizens do not have any savings. A significant part of the population decides to manage their own money not on the basis of analysis or consultation with specialists, but on the advice of friends, acquaintances or at random. All this suggests that the majority of citizens in general do not understand financial instruments. However, mobile budgeting applications that are available to smartphone users are gaining more and more popularity. According to experts, on average, recording expenses will reduce costs by 5-30%, depending on the total volume.

To understand how modern financial accounting applications work, Roskachestvo conducted a rolling study on 70 quality indicators. The laboratory of Roskachestvo selected 27 apps for Android and 28 for iOS. These are the most popular applications in the Russian segment of the Google Play and App Store stores that allow you to take into account both expenses and income. The test program included application functionality, data processing and storage speed, performance, ease of use.

According to the results of the study, the top iOS apps outperformed Android leaders in the final score. At the same time, applications for the latest operating system have more functionality than their counterparts in iOS.

For example, the Spender application on Android allows you to create multiple accounts (wallets) by counting the total balance of the user, while this feature on iOS is limited to creating only one account. Also, this iOS app lacks the function of transaction planning and manual currency conversion.

The Wallet app for iOS does not have the functions of accounting for debts and setting financial goals, while in a similar app for Android, the account management block is implemented almost completely. In addition, this iOS application does not have the ability to manage budgets - create a spending limit for specific categories or time periods.

Note that iOS apps are expected to be more secure than Android apps. It's all about the closed operating system from Apple, which makes it less vulnerable to hacker attacks and hacking than the open Android OS. This also applies to the recognition of SMS from banks and their display in the application in the form of a completed transaction with a bank account: this process can only be automated in the Android operating system. On iOS, this function only works when manually copying a message (of course, only in those applications that have this function).

The study shows that, despite the large number of financial applications on the market, not everyone has a full package of features. Experts analyzed each indicator and made a rating of applications. Based on the overall score, which was formed from a combination of points, the highest results were shown by: "Debit & Credit - Accounting for Finance", "Money Pro" and "MoneyWiz Premium - Financial Assistant" for iOS and "Wallet - Finance and Budget", "MoneyWiz 2 Financial Assistant" and "Finance Monitor Cost Accounting" for Android.

In the last places of the rating of the studied applications were "Spender - Budget Control", "Personal Finance EasyFinance.ru", "Finance Book" and "Money Planner Pro - expense tracking, personal finance, family budget" for iOS, "Toshl Finance - budgets ”, “Journal of expenses” and “Personal finance family budget” - for Android.

Looking for free home bookkeeping software? Then you have come to the right place.

Household bookkeeping is the success of maintaining wealth in the family.

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

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

1. homebank;
2. Family Budget Lite;
3. Family Accounting;
4. cash fly;
5. Home Accounting Lite.

home bank

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

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

The program supports tight integration and data import from Microsoft Money and Quicken services, as well as other applications for managing your own funds.

Supports QIF, QFX, CSV and OFX formats.

Of the functions, the detection of duplicate transactions is provided. This avoids confusion in calculations and clutter in the database.

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

Set an annual or monthly budget level for each category, if required.

Generate dynamic reporting reflecting 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 torment regarding the calculation of personal expenses. All you need to do is enter your own income and expenses in the appropriate columns.

The program will do all other operations on its own.

The client benefits are:

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

Several people can use the client at the same time. In this case, everyone will have their own account and password.

The latter can be installed when the application starts.

The search for income and expenses is very convenient, since it is possible to set up results for several filters at once: product, date, category, etc.

Accounting Family

If you don't want to systematically wonder where your money goes all the time, use this program.

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

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

The client has a lot of options:

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

CashFly is a simple and very user-friendly personal financial tracking software.

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

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

It provides an address book, a list of organizations, as well as a personal diary that allows you to record reminders of important events for you.

The application is able to keep records in almost any given currency, perform scheduled calculations and print data.

Databases are password protected for greater security and content security.

Decided! We begin to keep track of expenses and income. How? Someone writes them down in a notebook, someone keeps a tablet in Excel, and we advise you to download a convenient free program for your mobile phone. We have already talked about them before, but now we decided to open this topic.

The Platiza online instant financial assistance team has tested some of the best personal finance management software and prepared a fresh review especially for you, dear readers.

UPD This review presents applications in which you need to enter data yourself. However, more recently, a mobile application for Android - Balance - has appeared, which automatically calculates your total balance, expenses in the current month and the forecast for the balance. To do this, you just need to upload your bank card data to it with the SMS informing service connected to them. Modern technologies based on artificial intelligence will make accounting for personal finance easier and more convenient.

1) The simplest - Wallet

Very simple application, made in a minimalist style. It is convenient and easy to use. Money appeared - click "plus" and enter the desired amount, spent - select "minus". The amount in the middle is the total for the current account. You can create any number of such accounts. The program is perfect for beginners.

Pros:

Password protection

Quick accounting of expenses and income

Ability to add photo, audio and location

Visual final balance

Minuses:

There is no distribution of funds by day

No detailed statistics and graphs

Only available on iOS, no Android version

Supports: iOS

The application is used by several people from our team at once: an analyst, a PR manager and a technical director. Rated 5 out of 5.

2) Most Caring - Zen Mani

The application will help you plan payments, budget and set financial goals. The main difference from others is that it recognizes sms from banks.

Pros:

Recognizes SMS messages from banks, while you can make transactions manually

Integrates with electronic money systems like Webmoney and Yandex.Money

Can work offline and download changes when connected to the network

Minuses:

Doesn't show the total costs for the current day on the "statistics" tab

Supports: Android, iOS and PC.

Our programmer Zhenya has been using this application for several months now and is very satisfied, rating 4.5 out of 5.

3) The most advanced - EasyFinance

The service makes it possible to create several accounts, link them to bank cards. Category lists and currency can be customized. Allows you to set financial goals (“apartment”, “car”, “vacation”) and control their fulfillment: the service gives recommendations if you too rarely save money for one of the planned big purchases.

Pros:

Automatic synchronization of transactions via SMS

Convenient budget and goal planning

You can enter the operation in offline mode

There is a "credits" tab

Minuses:

Most useful services are paid

No multiplayer mode

Supports: iOS, Android

Our marketer likes the app, rating 4.8 out of 5.

4) The most intuitive - Where is the Money

A beautiful animated application, before starting to use, it offers to get acquainted with the demo version of the wallet, which is very convenient for beginners. There are popular categories, but you can create your own.

Pros:

Unlimited accounts

Quick overview of the current period on the summary screen

Data access protection via password (touch ID support)

Minuses:

Full control over the creation of categories and subcategories

Supports: iOS only

Web designer and system administrator put "like". Rated 4.7 out of 5.

5) Most playful - CoinKeeper

An application for personal finance with large colorful icons, convenient statistics charts and a clear interface. Expenses are started in this way: you need to move a coin on the screen from one field to another. The "auto budget" function allows the program to calculate the main categories of expenses for the month.

Pros:

You can set reminders for recurring expenses

Family Sharing from Multiple Devices

Sends reminder notifications

Beautiful statistics, bright and visual diagrams

Financial goals help you save up for what you dream of.

Minuses:

The interface seems complicated at first glance

Supports: iOS, Android

Olya, an expert in the collection of overdue debts, recommends this application. Rated 4.5 out of 5.

6) Funniest - Toshl

Expenses can be tracked by categories, which are self-configuring using the tagging system. The application has an assistant, a three-eyed alien, he gives quite funny tips, warning about a possible budget overrun: “Money may not be enough! Get a hold of yourself."

Pros:

Reminds you every day to keep a budget at a certain time, which you can set yourself

Beautiful graphics, funny characters

Supports data export

Minuses:

Registration is required, but it is simple and fast

Tags are entered manually

Many additional features are paid

Supports: iOS, Android, Windows Phone

The application is used by our tester. Rated 5 out of 5.

7) The most convenient - Budget (Budget)

The application differs from all others in that it allows you to specify the monthly income and displays the remaining amount for the day, taking into account constant and planned payments. If the amount for the day is exceeded, the remaining money is recalculated, respectively, the amount for the day decreases. Very visual. Discipline not to go beyond the daily budget.

Pros:

Nothing extra, the application is not overloaded

It is clear exactly how much is left for the day

You can enter all your monthly expenses, the application will calculate everything automatically

Sends reminders

Minuses:

Doesn't allow you to set payroll dates

Supports: iOS

The project manager uses this application for half a year. Everything suits me. Rated 4.5 out of 5.

8) The most visual - M8 - my money

Are you used to spending several hundred rubles a day on various nonsense? Using this application, you will realize that by saving on chocolates, you could buy yourself something more or less worthwhile. Minor expenses add up to a big figure. The pie chart clearly shows where you spend most of your income: on transport or, for example, food.

Pros:

Clear and simple interface

Minuses:

- there is no option to specify expenses for the last month

- no income, only expenses

Supports: iOS, Android

The application is used by our quality control manager. Rated 3 out of 5.

Do you keep track of finances? If yes, how? Share your experience in the comments with us and other readers.

Sometimes you just don’t understand where the money goes, where the money comes from. And sometimes it is not easy to deal with this problem. Moreover, many have loans and do not want to constantly think about them, so as not to miss the deadline for paying the next installment.

There are two main exits here:

• Use Microsoft Excel and write expenses and income there. In theory, a very simple and convenient option. But it’s not very convenient for practice, especially when you need to compile some kind of report, for example, monthly expenses for housing throughout the year. Everything has to be done by hand. However, for greater clarity, I use this method. Although, if I change the program for home accounting, then I can not use this option.
• Use a special Internet service. Great option. You can access your accounting from any device: computer or smartphone. There are such disadvantages, such services have problems with data protection, and there is always a risk that someone will hack into your account and find out everything about your financial condition. Yes, you need a permanent internet connection. And it costs money, especially for mobile devices: smartphones and tablets.
• Use a special program for home accounting for these purposes. At the moment the most ideal option. It is very easy to create reports and there are no problems with data protection.

Now let's take a closer look at the last option. And such software is divided into two large groups:

• for the home user. Everything is optimized for home budgeting. Most often, such software is free and it mainly has the following functions: accounting for expenses and income, working with debts. In principle, nothing else is needed for a home budget. I myself use a similar program. And everything suits me. Among them, there are also paid ones that support working with online banking, but here the issue of security is already acute. I myself do not really trust such programs. Although even if you are hacked, they will not be able to transfer money from your account. For this, programs such as DomFin, Home Accounting, AceMoney Lite, MyMoney, Family Accounting and Zhadyuga are best suited.
• to run a family business. There is already a large set of different reports, and work with a large number of different accounts. But again, such software is far from professional accounting. But for running a small business under a simplified taxation scheme, it is quite enough. Also, such programs have various additional features: debt payment reminders, exchange rates, and so on. Such software for accounting is mostly paid, but there are also free options with a maximum income per month. This is such software as MoneyTracker and CashFly.