Personal finance apps for mac uk
A few apps, such as Mint and Doxo, include a bill payment service that lets you authorize payments to be made from accounts you authorize to the biller or sometimes a third party that facilitates the payment. In both Mint and Doxo, this part of the service is optional, so you can skip it if you do not want to give those apps any authority to move money. Is there a risk to using an online personal financial app?
Should it prevent you from actually using these apps? Is it possible that the payoff of getting your head around your debt, spending habits, and net worth is greater than the slim risk of fraud? Set a strong and unique password, and put your fears aside. If you're really paranoid, however, there are some financial apps that operate offline, or at least offer that option, such as YNAB.
For more tools for people who work for themselves, you can read our roundup of the best online accounting tools. While you're thinking about your money, you might also want to read our feature on the best tax preparation software. Pulls credit reports and scores from two bureaus. Great for learning about credit.
Pros and cons listed on offers. Useful credit simulator tool. Underdeveloped tools for tracking spending. No features for budgeting, financial goals, or bill payment. Bottom Line: Credit Karma lets you see your credit reports and scores, and it provides a good deal of information about how to change them. It's free, though it does serve you some targeted financial ads.
Includes invoicing and expensing. Offers team management and scheduling. Excellent integration options. No desktop apps for Windows or Linux. Whether you're a freelancer who needs to need to track time and expenses, or you run a small business and need to manage team members and bill clients, Harvest handles it all. Highly automated personal finance tracking. Integrates with all major U. Excellent bill payment features. Quick and simple. Useful ads. No percentage-based savings goals. Mint is the best personal finance software available.
It's free and ad-supported, but even the ads bring value to this fantastic tool for keeping an eye on your money. Free tools for tracking expenses and income. Shows spending trends over time.
Neat tools for analyzing credit card debt repayment options. No way to automate simple, recurring corrections. Budgeting tools could be more complex. Works with U. The online personal finance tool LearnVest provides free tools for tracking your spending habits, determining your financial goals, and budgeting your money. It's a great solution if you also happen to be on the hunt for a personal financial planner. Most comprehensive personal finance manager available. Connects to multiple types of accounts.
Revamped user interface. Online bill-pay. Can track your home's value. Robust planning and investing tools. Dozens of report templates. Enhanced mobile app. User interface still looks dated. Tools don't co-exist smoothly. These features help you avoid expensive fees for late payments and overdrafting your bank account.
As you create your budget and manage your daily finances, the software provides you with tutorials that will help you tackle some of the tougher financial topics. The software automatically links to your bank account, bringing in your spending information for analysis and budgeting tracking. The traditional envelope budgeting system helps you stick to a budget by using envelopes to manage your budget. Choose the financial goals that are most important to you, then add your bank accounts and set your income.
There are several different versions to choose from one of the versions is free with some of the higher-priced options providing additional features and coaching options. Entering your tax information is fairly simple — you can import your W-2 information from your employer or take a picture of the form and the software will transfer the information into the form. Paid versions of TurboTax include a feature to help you maximize your deductions by uncovering deductions you may not have known were available to you.
The investment software provides free personalized recommendations to help you diversify your portfolio, which you can follow or not follow as you see fit. Personal Capital allows you to manage all your financial accounts in a single platform.
You can include your bank accounts, mortgage and other credit accounts, plus your investment accounts to have your complete financial picture right in front of you. If you have multiple accounts — as most of us do these days — using Personal Capital can save you from having to switch between multiple screens to understand where you stand. Anything you don't spend in an envelope stays there, giving you more to play with in your next pay cycle.
It's intuitive to use, and there are mobile apps for Android and iOS, essential for taking a peek inside your envelopes when it comes time to pull any money out of them…. UK readers will be pleased to know that unlike most accounting software, this is produced by a British company — not that other apps are terrified of good old Pound Sterling or anything, but it's slightly easier to put your financial trust in home-grown software, and its support for data from UK banks is very strong.
Banktree is more than happy to support worldwide currencies, and in fact does a solid job if you're working simultaneously with more than one, offering balances in multiple currencies rather than rounding them off into a single total. It's also good for keeping track of everything, allowing you to scan receipts with its mobile app and import them later on.
It's not the prettiest software around, and it's slightly more awkward to use than many of its more refined cousins, although Banktree does produce very neat reports which you can break down by time, or by payee. It may be worth experimenting with the free trial before you choose to invest in this one.
Hook up every one of your UK bank and credit card accounts and you'll be able to see each of your balances in a single place with a single login. That in itself is enough for us to recommend it.
Best personal finance software - Which?
But there's more — Money Dashboard will track your spending, offering you an overall pie chart depicting your spending on loans, consumables, transport and the like. There's an at-a-glance overall balance, showing exactly how much money you have available across all of your accounts, and you can compare this to the previous month's figure to show how well you've been managing your funds.
That's a great motivator. It's super-safe, too: Money Dashboard locks down your login with an equivalent level of security to that of your bank, and it's completely read-only — your money isn't going anywhere. Made primarily for Mac users but also out on Windows and Linux , Moneydance is a desktop money management package with a very neat single-window interface.
Load it up and you'll get an instant view of your finances, upcoming bills, recent expenses and more. Click an item in the left hand sidebar and the main content changes to reflect it. Its reporting features are quite strong if not spectacular to look at, and one of Moneydance's most useful sections is its account register.
If you're old-school and once managed a cheque book, this operates on a very similar principle. There's also an iOS app for logging transactions on the go, which later syncs with the software on your desktop. Unfortunately for UK users, Moneydance doesn't support the connection protocols used by UK banks, so you'll need to download your transaction history manually to keep on top of it and revert to your bank's own app to move money around. US users, however, are well covered. The stuffiness of money management can negatively affect some.
We've certainly been in the position of not wanting to even look at a spreadsheet full of depressing numbers. Coinkeeper boils it all down to a series of circular pots — drag coins from your current account, and you can allocate them to all of your spending needs. We wouldn't exactly say it makes money management fun, but it's cute at least. It's brilliant for keeping track of your expenses, and don't be fooled by its frivolous looks — you'll be able to see at a glance where your money is going, and export your data in a CSV file to use in virtually any other finance app or spreadsheet.