Money Watch – Personal Finance Blog

Monzo is the digital banking app that rewards you for being you. With one app to manage all your finances, in real time.

CASH BACK FOR ALL

Get cash back on all your purchases for your first month*. 5% cash back with Preferred account. 1% cash back with free Everyday account
Cash back means cash: withdraw, spend or save it.
Cash back is instant, straight into your account or Savings Jar.

Instant access to cash with our network of 38,000 free ATMs across the US.
Real-time notifications each time you spend on your debit card.
Set a target for how much you want to spend and we’ll help you stay on track.

NO STRESS SAVINGS

With a Preferred account, get our best savings rate of 3.75% APY interest. With an Everyday account, you’ll receive 2.00% APY.
Earn interest on every goal. No catch, no small print. Just instant access savings and smart tools to help you reach your goals faster.
Set aside money for trips, bills, emergency funds and more in a Savings Jar.
Set a goal on a Jar and we’ll show progress as you save. Tell us when you want to reach your goal, and we’ll do the math to figure out how much you need to deposit each day, week or month.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.

ONE APP FOR YOUR FINANCES

Connect all of your accounts and cards for a big picture view of your finances. You can connect all your accounts on with Preferred.
Get money saving insights across all your bank accounts and credit cards.
Get paid early with a direct deposit.
Your money is eligible for FDIC pass-through insurance up to $250,000.

SERIOUSLY SECURE

Your money is eligible for up to $250,000 in FDIC pass through insurance.¹
Anti-fraud systems that make sure your money is safe, without adding friction for you.
Protect your money with Touch ID, Face ID, and PIN.

*Monzo Preferred account may be required to access certain features. Other terms apply.

Monzo’s Savings Jar Annual Percentage Yield (APY) is as of November 25 2025. Interest rates are variable and may change. Fees may reduce earnings. The interest comes from us, not Lead Bank or Sutton Bank. Your total Savings Jar balance is capped at $100,000.

Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108

Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov.

The Monzo Mastercard Debit Card is issued by Sutton Bank or Lead Bank, Members FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

¹Your funds are held at Sutton Bank or Lead Bank, Member FDIC. Though Monzo is not an insured bank, money in your Monzo account is eligible for pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Sutton Bank or Lead Bank failed. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov.

Take control of your money and tax with the HMRC app

It’s secure, free to download, and easy to use. Get on it, and join millions of people already saving time with the HMRC app.
Key Features:
- Quick setup: sign in using face recognition, fingerprint scan, or a six-digit PIN
- Stay in control: check your tax code and see your pay before it even shows in your bank, so you know you're paying the right amount
- Claim a tax refund: find out if you’re due any tax back from us and quickly claim a refund if you’re owed one
- Check your State Pension: see how much State Pension you could get, when you can get it and how to increase it, if you can
- Self Assessment: a safe and secure way to make Self Assessment payments and get information you'll need to file
- Child Benefit support: claim, manage, and update your Child Benefit details
- National Insurance: find and save your National Insurance number so you have it when you need it
- Go paperless: opt to receive key messages from HMRC online

Download the HMRC app today and stay on top of your money and taxes

Earn money as an online tester? As often and whenever you want?

Join Germany's largest platform for paid online jobs and join over 2,900,000 online testers.

After signing up for free, you'll immediately have access to countless online surveys.

- Earn over USD 850 directly after download, whether on the go or from the comfort of your home, maximum flexibility guaranteed.
- Choose from the largest assortment in the German-speaking area, orders that fit you exactly.
- You will be regularly invited to the latest surveys.
- Orders with multi goals allow you to achieve higher earnings through continuous testing.
- Fast and secure payout: Get paid within 24 hours.
- Upgrade to a premium tester and earn exclusive access to higher-paying assignments.
- Tested, Verified, Recommended! We value authenticity and trustworthiness. Not for nothing we are recommended by Verbraucherschutz.de. In addition, testerup.com is certified with the TÜV - eKomi rating of 4.3/5.

Join the 70+ million customers worldwide who use our app to spend, send, and save smarter.

Make your spend, well-spent
Pay any way, with physical cards, virtual cards, single-use virtual cards for extra protection, Google or Apple Pay
Spend abroad with great exchange rates (fees additional to the rate provided may apply)
Access 55+ K in-network ATMs worldwide with no fees
Link your external bank accounts to stay on top of all your spending
Design a physical card you vibe with (fees may apply).

Set your kids up for financial success. Get them a Revolut ＜18 account, with their own card, so they can learn about money in a safe and fun way

Send money near, far, wherever they are
Request or send 25+ currencies with a tap to anyone, anywhere
Chat, send, and receive money, in one place. Whatever your plans, transfers are almost instant between your Revolut friends with P2P payments
Split and settle bills in one place. You can even share a fun GIF to diffuse any tension

Save the interest-ing way
Grow your money with up to 4.25%* APY with Savings Vaults, Access your savings whenever you need to, with zero penalties or fees
Build your savings effortlessly — set up recurring transfers and round up spare change to stash cash

Explore Stock Trading (capital at risk)
Start trading stocks from $1 (other fees may apply)
Choose from 2,000+ stocks to invest in some of the world's most popular companies
Enjoy no-commission stock trading within your monthly allowance (other fees may apply)

All investments involve risk, including possible loss of principal. Investment accounts and disclosures may be displayed together. Self-directed brokerage products are provided by Revolut Securities Inc., member FINRA/SIPC. Brokerage Products • Not FDIC Insured • No Bank Guarantee • May Lose Value. Automated investing is provided by Revolut Wealth Inc, an SEC-registered investment adviser.

End the overspend
Get instant spending notifications to keep track of every payment
Use smart budgeting and analytics tools to stop wondering where your money went, and start telling it where to go
Worried about missing upcoming payments or subscription charges? Don't be — we'll notify you beforehand
Upgrade to one of our paid plans to get exclusive cards, more benefits, and even cooler perks. Pick the plan that's right for you: Premium or Metal (Paid Plan T&Cs and subscription fees apply).

Unlock security features that you control
Freeze and unfreeze your card in a tap
Use single-use cards with new details generated each time you use it, for an extra layer of protection
Set spending limits and get notifications to keep track of your money

How we protect your money
Our sophisticated fraud prevention system flags high-risk transactions and pings you an alert, so you can spot scams, and nip 'em in the bud
Extensive identity verification keeps sign-ups secure, and your account is protected with passcodes and biometrics
We're available 24/7 via our in-app customer support

Funds in your Revolut Prepaid Card Account are held at or transferred to Lead Bank, Member FDIC, and are insured by the FDIC up to $250,000 applicable limits by the FDIC in the event Lead Bank fails if specific deposit insurance requirements are met. See FDIC-Prepaid Cards and Deposit Insurance Coverage.

California Privacy Notice: https://www.revolut.com/en-US/legal/privacy

*The highest APY is available to users on a Premium or Metal plan. Annual Percentage Yield (APY) is a variable rate and subject to change. These APYs are accurate as of October, 20th, 2023. Monthly fees apply for Premium and Metal plans. Terms and Conditions Apply. No minimum amount required. Savings Vault services provided by Sutton Bank, Member FDIC

Revolut Ltd (No. 08804411) is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 900562). Registered address: 107 Greenwich Street, 20th Floor, New York, NY 10006

UK's #1 app for active trading & long-term investing.* (72% of retail CFD accounts lose money when trading with this provider)
Access global financial markets commission-free and hassle-free.
Start with a free, lifetime practice account with virtual money.

Trading 212 Invest & ISA:

- Unlimited commission-free trades;
- 13,000+ Real Stocks and ETFs from the UK, the US, Germany, France, Spain, the Netherlands and others;
- High interest on your uninvested cash: 3.8% on GBP, 2.2% on EUR, 3.30% on USD, and more. Paid daily. Terms apply.
- Multi-currency account: deposit, invest and earn interest in 13 currencies;
- Fractional shares, Pies and AutoInvest: create a diversified portfolio and invest automatically, reinvest dividends, or copy popular portfolios;
- Trading 212 Card - experience revolutionary low exchange rates and get high cashback;
- Extended hours trading with fractional shares;
- 24/5 trading for US stocks: non-stop market access from Monday until Friday via more trading sessions;
- Portfolio transfers: transfer shares from and to other brokers. Free of charge;
- Trading 212 community: see how others invest;
- Uncompromising, direct trade execution - we don’t sell your order flow.

Trading 212 Cash ISA:

- 3.85% AER (variable tracker rate), earned daily, paid monthly;
- Flexible - withdraw anytime;
- Completely free - no account fees.

ISA accounts are provided by Trading 212 UK Ltd.


Trading 212 CFD:

- 9,000+ CFDs on Stocks, Forex, Gold, Oil, Indices and more;
- Competitive spreads even at news time;
- Smooth and easy to use charts for technical analysis, powered by TradingView.

...and always an outstanding live customer service, responding within seconds.

Investments can fall and rise. You may get back less than you invested. Past performance is no guarantee of future results. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 72% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.


Trading 212 provides execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions.


Zero commission refers to no broker fee being charged for buying or selling shares.
FX fee of 0.15% applies when buying or selling securities denominated in a currency different from that of your Trading 212 account.


* Based on statistics by data.ai as of January 2025.


Trading 212 is the following companies:

Trading 212 UK Ltd. authorised and regulated by the Financial Conduct Authority (Register number 609146).
Trading 212 Markets Ltd. authorised and regulated by the CySEC, Cyprus (Register number 398/21).
FXFlat Bank GmbH is authorised and regulated by German Federal Financial Supervisory Authority (BaFin) (BaFin ID number 10109603).
Trading 212 AU PTY Ltd. authorised and regulated by the Australian Securities and Investments Commission (License number 541122).
Trading 212 Ltd. authorised and regulated by the FSC, Bulgaria (Register number RG-03-0237).

Seller: Trading 212
Address: Aldermary House 10-15 Queen Street, London, EC4N 1TX

The UK's most trusted credit score* is available for free. Get free access to a wide range of our services, from credit score checks, credit card comparison & eligibility and personal loan comparison & eligibility.

Your Experian Credit Score is a straightforward way of showing how lenders may view your application. As part of a credit check, companies may look to see whether you’ve paid back your credit on time, how much credit you currently have and how you’re managing it. The better your credit score the better your chances are of getting a credit card, loan or even a mortgage, along with great rates for each.

Compare credit cards and loans with us. Let Experian help by showing you the credit cards and personal loans you’re most likely to be accepted for, helping you save hassle and avoid too many unsuccessful applications impacting your credit rating.

Experian is a credit broker not a lender†, so we show you impartial search results.

Free Experian account features:
• Your Experian Credit Score on the go
• Credit card and loan comparison
• Summary of your total credit
• See how likely you are to get accepted for personal loans and credit cards before applying
• Tips, articles, videos and expert knowledge to improve your suitability for credit checks at your fingertips
• Quick and easy login with Touch/Face ID or PIN

CreditExpert subscribers get access to these additional features:
• Personalised tips on how to improve your credit score
• Score Influencers show you what’s positively and negatively affecting your Experian Credit Score
• Get your Experian Credit Score & Report updated daily
• Alerts notify of you credit score changes
• UK call support for credit report & score
• Timeline shows you a single view of your score history and alerts
• Web monitoring
• Dedicated fraud support

Checking your Experian Credit Score regularly won't affect your credit report or credit rating. What's more, the app search covers a range of selected credit cards and loans.

*Most trusted’ based on 59% of 1086 respondents. ICM Unlimited survey, June 2018.

†Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans comparison services, meaning it will show you products offered by lenders and other brokers.

Experian acts independently and although our comparison service shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. Comparison services are provided free however we will receive commission payments from lenders or brokers we introduce you to.

All free and paid for Experian consumer services are provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. The web monitoring feature and its alerts within CreditExpert is not Financial Conduct Authority regulated activity.

BE THE BOSS OF YOUR MONEY
Manage your money with confidence, whenever and wherever you need. Join our 10 million App users – get the app and get started.

Seeing your balance, paying a bill or checking your transactions are just the start. Here’s some of the great stuff we’ve got going on in the App.

SPEND? SAVE? BORROW? INSURE? INVEST? APPLY IN THE APP TODAY
-Not yet banking with us? Don’t worry – download the App, it’s the quickest and easiest way to apply for a bank account with us.
-You can share documents with us in real-time using your built-in camera to complete your application quickly.

TAKE CONTROL OF YOUR EVERYDAY SPENDING
-Ever fallen into the subscription trap after that free trial? See, block and cancel subscriptions anytime.
-Need to settle up or transfer money fast? With Faster Payments you can sort it in quick time.
-Splitting the bill? Friend forgot their card? Request and receive money you’re owed from family and friends using ‘Request a Payment’.
-Get support all day and night, every day.

STAY IN THE KNOW WITH REAL TIME INSIGHTS
-Know what’s going on with your money in real-time, with upcoming payments and instant notifications when money’s coming in and going out.
-Wondering where your money goes? See where you’re spending and where you might be able to save, with Spending Insights.

MAKE YOUR MONEY WORK HARDER FOR YOU
-Enjoy a cheeky bargain or three with Everyday Offers. Earn cashback of up to 15% from a range of retailers with our current accounts and credit cards.
-Turn your pennies to pounds – using ‘Save the Change’. We’ll round up your debit card spend to the nearest pound and move it into a chosen savings account with us.
-Keep track of your credit score for free, with helpful tips and tools to improve it.

KEEPING YOU AND YOUR MONEY SAFE
-Use your fingerprint or face to login - it’s the fastest and most secure way to bank.
-Whether your card is lost, stolen or turned into a chew toy, you can relax knowing you can freeze it, unfreeze it or order a new one in seconds.
-With the latest security tech we keep your money safe and stop those pesky hackers in their tracks.
-Your eligible deposits with Lloyds are protected up to £85,000 by the Financial Services Compensation Scheme. Find out more at lloydsbank.com/FSCS

LEAVE US A REVIEW ABOUT OUR APP
We’re always ready to listen and make things better for you.

Lloyds and Lloyds Bank are trading names of Lloyds Bank Plc (registered in England and Wales (no. 2065), registered office: 25 Gresham Street, London EC2V 7HN). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

The app is available to customers with a UK personal bank account and valid registered phone number.

LEGAL INFORMATION
This app is designed and intended for Lloyds UK customers to access and service UK personal products, and for customers of Lloyds Bank Corporate Markets plc, using the business names Lloyds Bank International and Lloyds Bank International Private Banking, to access and service personal products held in Jersey, Guernsey and the Isle of Man. It should only be downloaded for this purpose.

While the app can be downloaded from App Stores outside the UK, this does not mean we are inviting, offering or recommending you engage in any transactions or establish a customer relationship with Lloyds or Lloyds Bank Corporate Markets plc.

Any confirmation that our product or service complies with European Union law is made to Apple to meet this legal requirement. This does not imply any representation, warranty, or statement to you and should not be relied upon for entering into any contract.

Open your free Chase account to discover the potential of your money, with our award-winning bank.


Enjoy instant-access savings with interest paid monthly
Open a Chase saver account and you'll enjoy a competitive interest rate with instant access (2), to help you get to your goals sooner.

Get 1% cashback with your current account
That's 1% cashback when you use your debit card to buy some of your essentials, for your first 12 months with us (3).

Spend, save and invest – all in one place
Manage your spending, savings and investments all through the Chase app – to help you see what your money can do (1). With investing, capital at risk.

Enjoy around-the-clock support from real people
With just a few taps in the app, you'll be through to someone who can answer your questions, 24/7.

See where your money's going and growing with handy insights
Compare your spending month-on-month and get to know how you spend – it could help you spot opportunities to save and invest for the future.

Zero fees or charges from us
Withdraw cash and spend abroad with a transparent exchange rate and no extra fees or mark-ups from us – so you have that little bit extra to enjoy while you're away. Cash withdrawal limits do apply, though.

Earn 5% interest on a round-up account
An effortless way to move a little closer to your savings goals every day. Simply choose to round up your debit card spending to the nearest £1, and we'll boost your spare change by putting it in a round-up account. It'll give you 5% AER (4.89% gross) variable interest, paid monthly (4).

Organise your money, your way
Open extra saver accounts for free to keep track of both big and small goals.

Ready to use right away
Spend online with your in-app card details or add us to your Apple Wallet as soon as your account is open. No need to wait for your card to arrive.

Good to know
To bank with us, you must: be 18+, be a resident of the UK only, have a smartphone and a UK mobile number, and be a tax resident of the UK.

Legal bits

(1) 18+, UK residents. Chase current account required - eligibility applies. Investment products are provided by J.P. Morgan Personal Investing and are not guaranteed by JPMorgan Chase Bank, N.A.
(2) 18+, UK residents. Chase current account required. T&Cs apply (see chase.co.uk/gb/en/legal/chase-saver-account-terms-and-conditions/).
(3) 18+, UK residents. Eligibility applies. 1% cashback on groceries, everyday transport, fuel and electric charging points for your first year as a new customer. Max £15 per month. Exceptions apply (see chase.co.uk/gb/en/legal/Cashback-FAQs). May be changed or withdrawn.
(4) 18+, UK residents. Chase current account required. Round-up account balance transfers to elected Chase current or saver account on anniversary of account opening. T&Cs apply (see chase.co.uk/gb/en/legal/round-ups/).

Visit Chase.co.uk for more info.

By downloading this app, you agree to be bound by our app licence agreement. You can find this by tapping 'Licence agreement' in the Information section below.

Chase is a registered trademark, and a trading name of J.P. Morgan Europe Limited. J.P. Morgan Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 124579. Registered in England & Wales with company number 938937. Our registered office is 25 Bank Street, Canary Wharf, London, E14 5JP, United Kingdom.

Your eligible deposits with Chase are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

PayPal is a smart and secure way to shop in-store and online, earn cash back on brands you love, send money to friends and much more.

SAVE OFFERS IN THE APP
Get cash back offers from brands you love. We’ll automatically apply them at checkout
*Eligible items only. Redeem points for cash or other options. Terms and exclusions apply: PayPal.com/rewards-terms

SEND AND REQUEST MONEY FOR FREE
Securely send and receive money with just about anyone in 120+ countries
It’s free to send and receive with friends & family in the US when funded by a bank account or PayPal balance

GET THE PAYPAL DEBIT CARD AND EARN CASH BACK
Request your card in the app. No credit check required
Shop with your PayPal balance everywhere Mastercard® is accepted
Earn 5% cash back on a category you choose each month*
*5% cash back earned as points you redeem for cash & other options on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal
A PayPal Balance account is required to get the card
The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. (“The Bancorp”), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding

CRYPTOCURRENCY
Buy, sell and hold Bitcoin, Ethereum, PayPal USD, Bitcoin Cash and Litecoin with PayPal*
*PayPal, Inc. is licensed to engage in virtual currency business activity by the NY Dept. of Financial Services. To buy, sell, transfer, and hold crypto is subject to risks, may result in significant losses, and not available where prohibited by law. We do not make recommendations about crypto transactions. Consider seeking advice from a financial and tax advisor. Crypto custody, trades and transfer services are performed for us by Paxos Trust Co. LLC or other appropriately authorized provider. See terms: paypal.com/crypto_terms

GROW YOUR MONEY WITH HIGH-YIELD PAYPAL SAVINGS
Roll your money into PayPal Savings and earn a competitive APY*
Easily manage your account in the app. Transfer money in and out, set individual goals, and track your progress as your savings grows.
*PayPal Savings annual percentage yield (APY) is a variable rate and can change at any time, including after the account is opened. PayPal is a financial technology company, not a bank. Banking service provided by Synchrony Bank, Member FDIC. PayPal Balance account is required to use PayPal Savings

TRACK YOUR PACKAGES
View orders and delivery status until they arrive safely at your door. Simply link your Gmail or Outlook to get started
Not all sellers are participants

BUY NOW PAY LATER
*Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO. 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4
About Pay Monthly: WebBank is the lender of Pay Monthly. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS

PayPal
2211 N 1st St San Jose, CA 95131

Meet Emma, your financial super app

● All your accounts in one place
● Find and track your subscriptions
● Set budgets
● Weekly reports
● Analyze your spending & expenses
● Daily balance notifications
● Overdraft alerts

BANK LEVEL SECURITY

Worried about sharing your data? We hear you.


● Emma uses SSL 256-bit encryption - the same security protocol that banks use - to ensure that your sensitive, personal information is fully encrypted and securely stored.
● Emma uses biometric security authentication for an added level of protection.

CUSTOMER REVIEWS

“This app is amazing! I used to manually track my expenses using a notepad or a spreadsheet but always used to make mistakes and never found time to update it. This fixes all my budgeting issues and saves me so much time as well as money!”
Sarah

“I love the fact that I can do everything within this one app. I mainly use it for tracking my expenses but have also started using it to instantly send/receive payments which makes things super easy. Also, the money I’ve saved from using this app is used to invest in my favorite companies using the investment feature!”
Mike

OUR MISSION

We believe everyone deserves a financial advocate to help with money management and budgeting. Someone who watches our back no matter who we are and where we come from. We provide a great experience, which relies on a basic principle - caring about our customers’ financial well being. This is who we are and what we stand for.

We have received amazing feedback from the finance community and have been featured in Forbes, Financial Times, Politico, The Sunday Times and CITY A.M.

MORE FEATURES? GO PLUS, PRO OR ULTIMATE

We have 3 subscription upgrades available in Emma to power charge your finances. Here’s what is available in each subscription upgrade:

Emma Plus

True Balance - preemptively see the balance of your bank account after your subscriptions are removed
Fraud Detection - find out whether your personal details have been part of a known data breach
Bill Reminders - get reminded about your upcoming bills so you never miss a payment
Cashback - get cashback from your favorite brands


Emma Pro

All the features in Emma Plus
Custom categories - so you can customize your finances to your heart's content
Rename transactions - for easier reference
Export data - to understand your finances on excel
Create Offline Accounts - to manage your cash expenses and any accounts you can’t link to Emma
Create Smart Rules - to automate your Offline Accounts. Look, no hands!
Split your transactions - into multiple categories for more flexibility
Legendary Pro Icon - because you are a Pro

Emma Ultimate

All the features in Emma Plus & Pro
Spaces - group together different accounts to see separated analytics and budgets
Ultimate Icon - so you can show them who's boss

-----------------------------------

If you choose to purchase Emma Plus, Emma Pro or Emma Ultimate, payment will be charged to your iTunes account, and your account will be charged for renewal within 24-hours prior to the end of the current period. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Subscriptions are managed by the user and auto-renewal may be turned off by going to the user's Apple ID. Emma subscription prices start at $4.99 CAD/USD/month with 1-month and 12-month packages available. Prices are subject to change without notice. No cancellation of the current subscription is allowed during the active subscription period. If you don’t choose to purchase Emma Plus, Emma or Emma Ultimate, you can simply continue using Emma for free.

Emma Technologies LTD is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services. Reference no. 794952

Company Registration Number: 10578464.

Terms and Conditions: https://emma-app.com/terms
Privacy Policy: https://emma-app.com/privacy

“Money Manager” is an optimized application for personal account management.

Household account management is complicated. But we make it simple by simplifying the things that are complex. The default settings will get you started, and once you get used to it, you can alter the settings according to your needs with the highly flexible and customizable functions available.

- Super easy and simple to enter data anytime, anywhere.
- View your spending tendencies graphically.
- View statistics by simply entering the data.
- Search and calculator functions.
- Set up sub-categories and main categories as necessary.
- Manage all your accounts at once.
- Use multiple currencies.
- Check weekly, monthly, and annual statistics.
- Use calendar view.
- Use budget planning features to plan weekly, monthly, and annual budgets.
- Change the start date of the month.

※ Applying double entry bookkeeping
It facilitates efficient account management. Automatic double entry bookkeeping.

※ PC manager function
You can view ‘“The New Money Manager” application using Wi-Fi. You can edit and sort the data by date, category or account group on the screen of your PC. In addition, you can see fluctuations of your accounts indicated on graphs on your PC.

※ Budget management function
You can manage your budget. It shows your budget and expenditures on a graph so you can compare the number of your expenditures against your budget quickly.

※ Credit Card / Debit Card management function
When entering a future payment date, you can see the payment amount and outstanding balance on the accounts page. You can connect your debit card to your accounts so that expenses are automatically recorded under a specific account.

※ Passcode
You can specify the desired time lapse before the app requests a passcode.

※ Automatic money transfer and frequency functions
You can set up automatic money transfers between your accounts and configure the frequency of those transfers.

※ Sort expenses by the recipient
You can sort your expenses by the recipient and view this information graphically.

※ Payment Profiles
You can easily enter frequent expenditures by creating payment profiles.

※ Backup / Restore
You can backup and restore your data via email, iTunes and iCloud.

※ Multiple currency support – you can have individual entries in multiple currencies, and configure each account to calculate the total balance in your desired currency.

Subscription pricing and terms:

Money Manager offers auto-renewing monthly subscription at US$2.49/month and an auto-renewing yearly subscription at US$19.99/year to provide you with unlimited access to the Money Manager Data Sync Service while you maintain an active subscription.

Payment will be charged to the credit card connected to your iTunes Account when you confirm the initial subscription purchase.
Subscriptions automatically renew unless auto-renew is turned off at least 24-hours before the end of the current subscription period. Your account will be charged for renewal within 24-hours prior to the end of the current period, and the cost of the renewal will be identified.
You may manage your subscription and auto-renewal may be turned off by going to your Account Settings after the purchase.

Read more about our terms and conditions here:
https://realbyteapps.com/policy/terms.html

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EASY BUDGET. Cut your expenses with Money Pro®!
Expense tracker, budget planner & account manager - all in one app to get your finances under control. Money Pro works great for personal & family expense tracking.

Easy sync and iPhone/iPad versions combined in one app. Money Pro is the next generation of the Money app (over 2 million downloads worldwide).

FEATURES:

Simple and Secure
- quick and easy expense/income entries: save your time
- password & backups of your data

Income and Expense Tracker
- split transactions: split one payment into multiple categories, keep it all organized
- search by amount, category, description, payee, cheque number, etc
- recurring expenses with custom periodicity
- calendar for scheduling bills and expenses for the whole year ahead
- notifications & alerts for bills due
- tracking expenses with family members and cross-platform syncing* (PLUS or GOLD subscription required)
- multiple profiles for organized tracking of personal and family finances
- attachment of receipt (or any other) photos: keep important bills captured

Budget Planner
- flexible structure of categories & subcategories with over 1,500 built-in icons
- custom periodicity: start your budget from any date
- visual indicators for budget spending
- transaction list for each category: access your bills with ease
- transferring the leftover of the previous budget period to the current one to limit your spending
- unique icons with your photos

Account Manager
- easy management of an unlimited number of accounts
- balance change history
- additional fields for organizing your records: payee, description, check #, class (personal/business travel expenses).
- import of bank statements (files: OFX, CSV)
- online banking (GOLD subscription required)

Insightful Analytics
- eight different reports
- filter customization
- quick and easy date selection

Augmented Reality
- build three-dimensional charts right on your table with AR reports (GOLD subscription required)

Goals
- set your goals and achieve them
- visualize your goal progress with a trend chart
- four Goal types: Save money, Pay off debt, Reduce expenses, Increase income (GOLD subscription required for last three)

More
- calculator and currency converter
- print and export to PDF, QIF, CSV formats
- multiple currencies & automatic update of exchange rates
- iCloud sync for iPhone, iPad, Mac (no subscription)
- support service & user guide (https://money.pro/guide/)

PLUS subscription
- 1 Month of PLUS: $4.99

GOLD subscription
- 1 Month of GOLD: $9.99

In all the countries (except the USA), actual charges will be converted to the local currency. Payment will be charged to iTunes Account at confirmation of purchase.
Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period.
Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable.
Subscriptions may be managed by the user, and auto-renewal may be turned off by going to the user's Account Settings after purchase.

Terms & Privacy
- http://ibearsoft.com/privacy.html
- http://ibearsoft.com/terms.html

Money Pro is a Universal app. Pay once and use it on your iPhone, iPad, and Apple Watch.

*See App Support for further details

'Home Budget Plan' shows you where you are spending your income each month, and makes it Easy to Plan Your Budget. Plan for the future with 'Home Budget Plan'.

√ Record your monthly household expenditure
√ See if you are overspending, and if so by how much
√ Identify areas to cut back
√ Analyse your expenditure to see where the money goes
√ Customise the Groups & Categories to suit your own circumstances
√ includes Secure Entry function to keep your finance details secure

◆ This app is part of the MoneyBudgie Finance Tracking Bundle.
- All 4 Apps work together to help you get in control of your finances. For example, stick to your budgets planned with this App by tracking your expenses using the Budgets-Expense Tracker App.

Reached No.1 in UK Finance Charts on the App Store. Also featured on BBC Radio 4 & Sunday Times.

Unlike some free tax calculator apps, Tax Tool has all calculations and data built-in, so there's no need for an internet connection - use it anytime and anywhere, even if you don't have a signal!


SPECIAL FEATURES

• Perform Reverse Salary Calculations for working out your target salary from the take-home pay you need - useful for job interviews and pay rise negotiations

• View a pocket guide of key UK tax rates, limits and allowances, including Income Tax, National Insurance, Capital Gains Tax, Stamp Duty Land Tax and Pension Schemes

• Email your results, including a breakdown of the calculation, for sharing or backup purposes


CUSTOMER REVIEWS

"There's a reason for the high review scores posted for this app...it is an extremely well designed and thought out app."

"Brilliant app. Just saved me £160. Email and print give a very clear printed breakdown."

"This app is easy to use...I rarely write app reviews, but this one deserves all the praise it gets..."

"Outstanding - one of the best personal finance apps available."


OVERVIEW

Tax Tool is designed for UK taxpayers in paid employment, using the Pay-As-You-Earn (PAYE) system of automatic tax deduction.

The app was inspired by the quality of Apple's own apps. It was designed to be comprehensive, but also to be very easy to use and input information, with immediate results.

Choose to enter as much or as little as you want: accuracy is improved if you enter more information and if you enter your Tax Code, but it still gives a useful rough guide if you enter none of these.

A key feature is that it can perform reverse salary calculations. You can enter your desired take-home pay (what you need to receive, after payroll taxes are deducted, to cover your everyday lifestyle) and Tax Tool will instantly work out the salary needed to achieve that target. You can easily flip between these to work out net pay from gross salary or vice-versa.

The app also performs UK VAT calculations, and contains a handy reference for UK tax rates, limits and allowances.

Quick and simple: this is not designed to be a replacement for a full tax return (it doesn’t ask for full details on all your financial affairs), but it does provide a quick and useful estimate of the amount you will receive in your pay packet as an employee.


ADDITIONAL FEATURES

• Instant calculations as you type
• Doesn't need an Internet connection
• Shows a detailed breakdown of the calculations, including Income Tax paid at each band
• Flexible periods: enter and view results annually, monthly, four weekly, fortnightly, weekly, daily or hourly
• Calculates your National Insurance contributions, as well as your employer's
• Includes a VAT calculator, with Reverse function
• Calculates PAYE tax for tax years 2025/26, 2024/25, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 17 & iOS 18.

Optional Settings available:
• Scottish tax (SRIT) - all extra bands from 2018 onwards
• Tax Codes - recognises L, M, N, K, T, P, X, Y, BR, D0, D1, NT, 0T, M1 and W1 codes, plus Scottish S and Welsh C versions
• Contributions to company pensions (as a percentage or fixed amount). Also supports salary sacrifice pensions and contributions taken from net pay
• Childcare Vouchers
• Student Loan repayments (Plan 1 and Plan 2 schemes supported)
• Overtime and Bonuses (basic support for percentage or fixed annual amounts)
• Tax deductions
• Benefits-in-kind
• Contributions to charities
• Salary sacrifice (three types)
• Regular deductions from net pay
• Marriage Allowance transfers
• High Income Child Benefit Charge estimation
• Ability to switch off National Insurance calculations if State Pension Age reached.

***Coming next, Export links in "Make a Claim screen" ***


The Seafarer's Earnings Deduction (seafarer's tax) eligibility calculator. SeafarersCalc allows quick and easy checking of voyage dates to determine whether they meet the half-days rule. As the dates are entered, a 'traffic light' indicator shows whether the voyage is valid or invalid. Once a set of valid dates is entered, the eligible voyages go green and you should make a claim.

DataMan is the simplest and clearest app to track your data usage. In just a glance, you can know if you're safe from busting your data cap. Never worry about overage again.

REAL-TIME TRACKING
Track cellular and WiFi in real-time directly on iOS. No more waiting for your carrier to update.

SMART FORECAST
Intelligent usage forecast predicts if you'll stay within your data cap. So you can take precautions.

DATAMAN WIDGET
Instantly check your usage at a glance. Just swipe on your Home or Lock screen to view.

CUSTOM USAGE ALERTS
Alerts warn you before you hit your data cap. Four custom alert thresholds.

DATA PLANS
Auto reset on your monthly bill cycle date. Support all billing periods and rollover data with DataMan Pro.

SIRI SHORTCUT
Get data usage forecast just by asking Siri. An easier, faster way to track your usage with voice.

APPLE WATCH
Designed for your wrist to quickly show your most important stats in complication and app.

BEAUTIFUL INTERFACE
Get the key statistics you need most in a beautiful, intuitive interface. It's so easy to track your data usage.


"Simplest and clearest" NYTimes
"The widget you should be using" Business Insider
"We like the easy-to-use DataMan" TIME
"Download this great app right now" BGR
"Superpretty, superuseful" Cult of Mac
"Handy money-saver with colorful alerts" Guardian
Featured on USAToday, Macworld, 9to5Mac, AppAdvice, SlashGear and many more.


DATAMAN PRO
Access extra features with PRO subscription
• Free trial 7 days
• Daily usage history
• Push usage alerts
• Manage multiple plans
• App icon badge
• Custom billing periods
• Rollover data
• Map usage locations
• Export statistics
• Widget styles
• Themes and more


PRIVATE AND SECURE
No VPN, no login. Your data is important and private. That's why we take your privacy seriously. Our privacy policy: https://xvision.me/privacy


Subscription Information. Payment will be charged to your Apple ID account at the confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase.

Privacy Policy - https://xvision.me/privacy
Terms of Use - https://xvision.me/eula

Revenue Calc helps you quickly calculate and project your revenue. Enter your selling price, number of items, unit cost, and other costs to get an accurate picture of your total sales, cost of goods, and revenue.

Stay on top of your finances with easy-to-read insights and projections. Perfect for small business owners, freelancers, and anyone needing a simple, effective revenue calculator.

Download Revenue Calc today to take control of your financial planning!

为什么使用到手工资：
• 无广告，最新算法，快速计算税后工资
• 保护隐私，不收集任何数据，无需联网
• 无需选择一大堆【专项扣除】数据，只要输入您的总专项扣除额度即可
• 支持大部分主流城市，无需担心五险一金比例错误
• APP本地会记录您选择的城市，方便再次计算
• 支持年终奖计算，整年税后收入更清楚


关于我们：
致力于给您提供最贴心的产品
如果您遇到任何问题，可与我们联系，我们会在第一时间给你答复。

联系邮箱：elvish.zy@gmail.com

非常感谢：）

Take control of your finances with Steps Budget Tracker, the beautifully designed personal budget app that makes money management simple and intuitive.

Track Every Transaction
Easily log your income and expenses with our streamlined interface. Categorize spending, add notes, and attach receipt photos for complete financial records.

Smart Receipt Scanning
Snap a photo of any receipt and let our AI automatically extract the merchant, amount, and date. No more manual data entry.

Powerful Analytics
Visualize your spending patterns with interactive charts. See where your money goes each month and identify opportunities to save.

Multiple Accounts
Manage all your financial accounts in one place - checking, savings, credit cards, and cash.

Budget Goals
Set monthly budgets for each spending category and track your progress.

AI Financial Advisor
Get personalized insights and recommendations from our built-in AI advisor.

Export Your Data
Download your transaction history as CSV files anytime.

*** No. 1 Ranked Finance App in the US & UK ***

'Debt Manager' has one aim - To help you GET OUT OF DEBT FAST!

5-Stars - "By Far, This is one of the best Money Apps that I have seen. Fantastic, Great Job"

5-Stars - "This app is worth every penny.. Great info and breakdown.. I am so looking forward to being debt free!!"

5-Stars - "This app is three things: Simple. Effective. Spot On."

5-Stars - "The details, features and thought that went into creating this app are endless."

5-Stars - "Super easy to use; choice of strategies to choose for to pay off debts. Most helpful app for paying down debt I've come across."

Debt Manager helps you to organize, track and pay off all your debts in the cheapest and fastest possible way. It does this using the Debt Snowball method, which is recognised by leading financial advisors as the most effective way to pay off multiple debts.

You will be amazed at how much time and money you could save by applying this simple strategy, and this app will show you how. So if you want to become debt free, get started now!

*** Features ***
--------------------
√ Simple and intuitive user interface
- helps you see results quickly and clearly

√ Hints and tips
- don't worry, we will guide you through the process

√ Summary shows your payoff progress
- includes progress bar, your debt free date and your interest/time savings

√ Choose from multiple pay off Strategies
- Lowest Balance First
- Highest Interest First
- Highest Balance First
- Custom Order

√ An unlimited number of debts can be entered
- each debt can be individually analysed
- payments may be entered as a percentage of balance
- support for introductory rates e.g. 0% for 6 months

√ Monthly Payments may be recorded
- either automatic or manual recording
- allows you to keep track of your progress

√ Backup & Restore
- use popular Dropbox service for online storage
- keep your data safe
- manually sync between devices

√ Choice of payment periods
- handles monthly, weekly and fortnightly payments

√ Extra Payments can be entered against each debt
- helps pay off your debts even faster
- can be entered Monthly, Yearly or as a One Off

√ Transactions can be entered against each debt
- allows you to take into account expenses/purchases
- can be entered Monthly, Yearly or as a One Off
- will increase the debt balance

√ Try out various 'What-If' scenarios e.g.
- a change in interest rate
- increased monthly payments

√ Export the debt details via Email
- professionally formatted PDF or HTML
- export individual debts or overall summary
- includes full amortization schedules
- charts are attached to the email export

√ Interactive reports
- easy visualisation of the debt breakdown
- compare debts side by side
- press, hold and slide to see the costs per month
- pinch to zoom

√ Set of Calculators are included to help you compute:
- monthly payments
- extra payments
- payoff date
- refinance benefits

√ Notification of payments due
- so you never forget to record a payment

√ Passcode protection
- keep your data safe

√ Full manual is embedded within the app
- has all the info you will ever need