• Application for accounting and financial planning. Family budget accounting: the best accounting program

    Price: basic version – free, premium – 149 rubles. per month.

    The first thing you can immediately love about CoinKeeper is that there is no need to register. No names, dates of birth or connection to social networks– immediately open the application and start using it.

    CoinKeeper's interface is simple, with your wallets at the top of the main menu and spending categories at the bottom. Default expenses include groceries, transportation, eating out, housekeeping, entertainment, and services. If this division does not suit you, you can add new categories, delete old ones and change their places.

    To add an expense entry, simply swipe from your wallet to the desired category. After this, you can indicate the amount spent, add a comment, select a date and indicate the frequency of payment. However, if you do not have the time or desire to write in such detail, it is enough to limit yourself to just entering numbers.

    CoinKeeper also has statistics on expenses and income, which can be viewed by month or day. The application provides statistics in the form of graphs and charts, which is very convenient.

    Cash Organizer

    Price: basic version – free, premium package – 249 rubles. per month.

    After downloading Cash Organizer, you can immediately synchronize the application with your bank: this will save you from manual entry. You don’t have to worry about the security of your accounts - the application is protected by an SMS password, and also has a security system in which even developers cannot access your data.

    Cash Organizer's interface is not as simple as CoinKeeper's, but it is quite convenient. If you still encounter difficulties with use, you can open the instructions directly in the application.

    Besides standard features similar IT accountants, for example, statistics, reports, budget planning columns, Cash Organizer has a function for maintaining a joint account. It is convenient to maintain a joint account with your spouse or financial partner so that you can see where the money is going in real time. If necessary, you can use the “split check” function - then the expenses of one person in different categories will immediately become visible.

    The application is available for IOS and Android, and there are also web versions for Mac and Windows.

    Debit & Credit

    Price: basic version – free, premium – 299 rubles.

    Another beautiful and simple application. Debit & Credit combines the simplicity of the CoinKeeper interface and the wide functionality of Cash Organizer.

    The developers of Debit & Credit are proud high speed, with which you can create transactions. They assure that manual entry will not take more than five seconds, and the new updated version also has support. To create an expense, you can say: “Siri, pay my check for 100 rubles in Debit&Credit.”

    One interesting thing is that the application has a function for scheduling bill payments in the future: you need to enter the date and amount of payment, and the application will remind you of the payment with a notification.

    In addition, you can reconcile your transactions with the bank. Reconciliation mode minimizes possible errors and allows you to better control spending.

    Money Lover

    Price: Basic version is free, premium is $5 one time.

    To use the application you need to indicate email or log in using or . This does not take much time, but it is necessary that all data is saved in the cloud and synchronized with other devices.

    I'm pleased with the intuitiveness of the application: home page At the bottom there are three icons - operations, report, planning and the “add operation” button. I'm not happy with the advertising under the icons. You can get rid of it only by purchasing the Premium version. However, a small advertisement does not interfere with using the application, but free version already rich in functions.

    Hidden under the “more” button useful tools: Find ATMs and banks nearby, tip calculator and scan receipts. And if circumstances forced you to borrow money, then this figure can be entered in the “debts” tab. The tab can help maintain your relationships with friends and family if you suddenly forget about your loan.

    The application is popular with Android users, but is also available to iPhone lovers, and also has a web version.


    Split

    Price: for free.

    Split will be appreciated by those who live in a hostel or rent an apartment with friends. The application was created to control joint expenses for an apartment, public utilities or products. To use it effectively, you need to add all participants, and everyone will be able to create their own transactions. Split determines the balance of each account participant and records who owes whom and how much. Especially for those who are forgetful, the application sends balance sheet results and debt calculations by e-mail. This will help save time and avoid a showdown.

    However, the application can be used alone - all its functions are suitable for this.

    The updated version of the application has the ability to synchronize expense accounts for different devices. It's nice that this can be done without creating a special account.

    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 an incomplete 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 a separate folder and save it to 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.

    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, number 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 bookkeeping. 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 income and expense 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 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 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 rating that, in addition to Windows, can be used on Mac OS X, Linux, iOS and mobile phones running 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 (at least in comparison with other applications reviewed), but immediately after installation, along with the main window, Russian-language help opens, which contains all the 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.
    • Data entry 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 various types 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.

    Using a smartphone. Applications that help organize expenses, plan a budget, or monitor the status of accounts can help in this matter. Alas, with the current pace of life, not everyone will show the desire to spend a lot of time on such programs. That's why I decided to choose App Store three, in my opinion, the most convenient free apps to calculate expenses.

    Shut up and count my money!

    I immediately became interested in this application, feeling the simplicity of the interface and ease of use that came from the name itself. In fact, to start using the application, you need to add all the necessary accounts, select icons (if desired), and select the main currency. After this, working at “My Money” becomes quite pleasant.

    By clicking on the selected account, the user can view the spending history and enter new income or expenses. On the “Accounts” tab, you can monitor the total amount of money, delete and add new storage locations.

    The “Statistics” section allows you to monitor expenses and income using a graph by selecting the required period of time in the calendar and the type of information displayed.

    Not a bad app, but I would like to offer you something simpler.

    Financial Book

    The Financial Book application is not overloaded with absolutely any unnecessary functions: There are no tabs and you don’t need to configure it before using it.

    All work happens on the main screen. Here we can monitor the state of the balance, the amount of money spent and earned per current month. The “+” and “-” buttons are used to quickly enter income or expenses, respectively.

    A useful option in the settings is a notification about the need to pay expenses. The program will remind you of itself every day at the time specified by the user, which is very convenient.

    A small number of functions, a simple interface, and the presence of notifications helped me choose the “Financial Book”, and now I use this application on my iPhone every day.

    Kubyshka

    This application turned out to be even simpler than those described above. There is no way to enter your income here - “Kubishka” is focused only on accounting for expenses, allowing you to enter your next expense in just a couple of seconds.

    The application keeps track of money spent in five categories, and the only additional function is to view the total amount of money spent for the month.

    This is where Kubyshka's capabilities end: there are no settings, no different accounts, no additional currencies, which does not prevent the application from coping well with its main function.

    On the Russian-language Internet? Because we love to save. And we want you to save too!

    Therefore, we made an objective and honest review the most convenient applications for a smartphone to manage your home budget. Let's go!

    AndroMoney


    • Developer: AndroMoney
    • Price: Free – Google Play

    A distinctive feature of the application is the option to set a budget for a day, month, year, or even a separate budget for a selected time category.

    The AndroMoney application can create backup copies of your budgets, while saving them to a memory card, or cloud storage. Also, if desired, the report is converted into CVS format and you can continue working with it on your personal computer.

    The advantages of this program include:

    • Intuitive and clear interface;
    • Flexible functionality and a lot of settings;
    • Option to create backups;
    • Converting to CVS format for working with information on a PC;
    • User-data password protection

    According to user reviews, no obvious disadvantages were found.

    Expense Manager


    • Group: financial instruments
    • Developer: Bishinews
    • Price: Free – Google Play
    • Pro version for $5 – Google Play

    Expense Manager - an application developed by Bishinews - is popular among users - five million users! The functionality of the application is huge, but the main function is financial planning.

    When launching the application, users are presented with a template with several expense items, which can be changed if desired by going to the “settings” menu. You can also quickly view the required payments or study a detailed and visual expense schedule. Like AndroMoney, Expense Manager will easily do backup copy reports to the cloud Dropbox storage or the device's memory card.

    A distinctive feature is the presence of a built-in currency converter. Functionality free option Expense Manager is enough to manage your personal expenses.

    Pros:

    • Intuitive ergonomic interface;
    • Many useful functions;
    • View reports in graph idea;
    • Data backup;
    • Currency converter (only if you have an Internet connection).

    Well, from the minuses:

    • Incomplete functionality of the free version of the application;
    • Lack of Russian language

    "Family Budget"


    • Group: financial instruments
    • Developer: Maloi
    • Price: Free – Google Play

    "Family Budget" - official mobile client for Android, which exactly replicates the functionality of the popular web service for accounting. The application turned out to be no less simple and convenient, and the presence of extensive functionality makes it easy to monitor the family’s financial affairs from a mobile device.

    Each generated report is optionally presented in the form of graphs that clearly display necessary information on spending money.

    Pros:

    • Interface;
    • Maximum settings;
    • Synchronization with the service;
    • Visual display of reports in the idea of ​​graphs.
    • Version of the service for a personal computer

    Cons:

    • Availability of advertising (can be disabled only for money);
    • Backup to device memory card only.

    EasyMoney


    • Group: financial instruments
    • Developer: Handy Apps Inc
    • Price: Free – Google Play
    • Pro version for $10 – Google Play

    EasyMoney is the most expensive and most functional application in this category of applications. However, there is a free version of the program and you can test the initial functionality on it, and only then decide whether it is worth spending money on the full version of the application.

    Some of the interesting things in the program include: displaying interactive reports and charts, maintaining several accounts in foreign currency, maintaining home budget and monitoring investments and plastic card balances.

    With the data backup feature, you don't have to worry about saving your reports safely.

    You can easily transfer all the work done to a memory card or export reports in QIF CSV format.

    Pros:

    • Impressive functionality;
    • Visual reports in the form of interactive graphs;
    • Transferring ready-made answers to a memory card;
    • Availability of a widget on the desktop.

    Cons:

    • Complicated interface;
    • Lack of Russian language;
    • Not cheap!

    CoinKeeper


    • Group: financial instruments
    • Developer: IQT Ltd
    • Price: Free for the first 15 days - Google Play

    CoinKeeper – popular app for keeping track of expenses and income on an Android smartphone or tablet. After the first launch, the application will prompt you to select the appropriate income planning method: automatic (in this case, the amount of monthly income is indicated) or manual (requires separate setting each of the parameters).

    Each of the main menu items has a clear and visual explanation. Categories are color-coded and separated by special icons, which can be adjusted if desired.

    Among the functions of the program, I would like to note a serious number of accounts (not limited by the program), adding another expense transaction in a couple of seconds, icons display the current expenses of flowers and in case of overspending cash will change color, financial goals, backup information to a memory card or cloud storage, as well as password protection.

    Pros:

    • Ergonomics and intuitiveness of interfaces - operations are implemented by dragging one icon onto another;
    • Hints;
    • Automatic budget planning;
    • Data backup;
    • Automatic transfer of information to other devices;
    • Setting a password.

    Of the minuses, we note:

    • Small number of financial reports;
    • Slow animation that lags even on modern devices
    • There is no "desktop" version of the program

    "Home accounting"

    ​​​​​​​

    • Group: financial instruments
    • Developer: Keepsoft
    • Price: 4$ – Google Play

    “Home Accounting” is the last application in today’s review for maintaining accounting records on mobile device. It implements the maintenance of both personal financial records and family budget. No special accounting knowledge is required, the application is easy to use, and thanks to the “tasty” filling and a large number functions, using the application is frankly a pleasure.

    An interesting feature of the “Home Accounting” program is that several users can use the application at once (each logs in under their own name).

    Pros:

    • Intuitive interface;
    • Russian localization;
    • Each category is marked with a separate icon;
    • Backup information;
    • Exceptional functionality;
    • Clear reports;
    • Setting a password for the application;
    • Availability of a “desktop” version of the application for keeping records on a PC and prompt exchange of information.

    Obvious disadvantages y " Home accounting» was not found by users.

    Whatever application you install, do not forget to add “cashback from” to your income item. And we will ensure that you have a constant surplus on this item;)

    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 his money. How to choose best app for financial accounting in order 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 groups of people. The application provides loans and deposits. Registered categories, which takes into account the user’s property.

    Exists synchronization computer version with an application on your phone. However, the connection between two programs on different computers has not been thought out. 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$ . Application for mobile phone will cost the user $4.95. The convenient thing is that you can download the program and use it free trial version throughout the month. Download link: http://www.sanuel.com/ru/family/download.html .

    Keepsoft.ru (home accounting)

    Designed to monitor financial condition the whole 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 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 customize 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 have spent more money, a recalculation occurs immediately and the daily rate decreases. All this is very convenient to follow.

    In order not to spend too much, you can enter a maximum amount of expenses, which you do not want to exceed. 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 accounting takes place personal finance 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 – best program to account for funds 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, an interesting system for 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 need to be configured in manual mode, 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 features 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. Except listed options, there are still quite a lot of them: savecash.me, Moneytracker, AceMoney, Your Money, Personal Finances, Cash Organizer, Zen Money and many others.
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