Top Personal Finance Apps for iPhone & iPad

Here are the top free and paid personal finance apps for the iPhone & iPad in the U.K., based on the number of downloads.

Free Apps

Rank App Details
1

HMRC

The only app to access your personal tax details with HMRC. Take control of your finances and join over 1.1 million people using the HMRC app every month. Download the HMRC app here.

The HMRC app is a handy way to:

- check your pay a few days before pay day
- check previous payments from your employer
- find out how much Income Tax you should pay
- check your company benefits
- find your tax codes
- claim a refund if you’ve paid too much tax
- work out your take-home pay with the tax calculator
- check how much Self Assessment tax you owe and make a payment
- set reminders for your Self Assessment payments
- check and save your Unique Taxpayer Reference (UTR) for Self Assessment
- check and save your National Insurance number
- check your next tax credit payments
- manage and renew your tax credits
- access your Help to Save account
- check your Child Benefit
- check your State Pension
- check progress on forms you’ve sent to HMRC
- read messages from HMRC
- update your postal address
- choose to be contacted by HMRC electronically, instead of by letter

You can use your Government Gateway account to sign in. If you don’t have one, registration is easy and fast. You will need your National Insurance number and birth date to start.

Once you’re set-up, you can sign in quickly and securely using your face or fingerprint (depending on device support).
2

Revolut: Send, spend and save

Join the 40+ 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 like a local with great exchange rates (fees additional to the rate provided may apply)
Access 55+ K in-network ATMs worldwide with no fees
Easily track and analyse your spending
Link your external bank accounts to stay on top of all your spending in one place
Design a physical card you vibe with (fees may apply). Want to add a little luxury? Upgrade to a Metal plan for a shiny steel card

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
It's our business to protect your data, and we take it seriously. 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



See Terms & Conditions for details. Revolut is a financial technology company. Banking services provided by Metropolitan Commercial Bank (Member FDIC)
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
3

Monzo - Mobile Banking

Monzo is the best banking app that helps you save towards your goals, spend confidently, and manage your money—all without any fees.

Open a personal or joint checking account in just a few minutes.

WHY OVER 9 MILLION CUSTOMERS LOVE MONZO

Say goodbye to fees. No account fees, overdraft fees, or foreign transaction fees.
Get paid early with a qualifying direct deposit.
Connect all of your accounts and cards for an all-in-one view of your finances.
Instant access to cash with our network of nearly 40,000 free ATMs across the US.
Our award-winning support team is here to help 24/7.
Your money is FDIC insured up to $250,000.

UNDERSTAND YOUR SPENDING HABITS

Real-time notifications each time you spend on your debit card.
Get money saving insights across all your bank accounts and credit cards.
Set a target for how much you want to spend and we’ll help you stay on track.

REACH YOUR SAVINGS GOALS

Set aside money for trips, bills, emergency funds, and more in a Savings Pot.
Set a goal on a Pot and we’ll show you your progress as you save. Tell us what date you want to reach your goal by, and we’ll work out the regular deposit needed.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.

SERIOUSLY SECURE

Your money is FDIC insured up to $250,000
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.

____________________________

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

The Monzo Mastercard Debit Card is issued by Sutton Bank, Member 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.
4

PayPal - Send, Shop, Manage

More ways to PayPal— It’s a simple and secure way to get paid back, send money to friends, discover cashback offers from brands you love, manage your account and more.

FIND DEALS RIGHT IN THE APP
• Stack your rewards – Get cashback offers³ from brands you love and keep collecting your eligible credit card rewards** on top of it all
³Eligible items only. Redeem points for cash or other options. Terms and exclusions apply. See PayPal Rewards terms and conditions at PayPal.com/rewards-terms. **Subject to issuer’s rewards program terms PayPal rewards are subject to applicable terms: paypal.com/us/legalhub/pp-rewards-program-tnc

SEND AND REQUEST MONEY FOR FREE
• When funded by a bank account or with your PayPal balance, it’s free to send money or get paid back by friends and family in the US on PayPal
• Request money securely from friends or family and personalize your payments

EARN UNLIMITED 3% CASH BACK
• Earn an unlimited 3% cash back¹ when you use the PayPal Cashback Mastercard(R) for PayPal purchases-unlimited cash back, no rotating categories, no annual fee²
• Apply for your card, manage your account, and redeem your cash back in the app.
¹ Subject to credit approval. See Rewards Program Terms for details and eligibility criteria found at: https://www.synchronycredit.com/gecrbterms/html/PayPalCashbackRewardsTerms.htm
² For New Accounts: Variable Purchase APRs are 20.24%, 29.24% and 32.24%. Minimum Interest Charge is $2. APRs are accurate as of August 1, 2023, and will vary with the market based on Prime Rate.
Learn more at https://paypal.com/cashbackcard

GROW YOUR MONEY WITH HIGH-YIELD SAVINGS
• Roll your money into PayPal Savings and earn a current 4.30% APY–that’s 9x the national average*.
• Easily manage your account right from the app. Transfer money in and out, set individual goals, and track your progress as your savings grows.
*As of June 07, 2023, the annual percentage yield (APY) for PayPal Savings is 4.30%. This is a variable rate and can change at any time, including after the account is opened. National average source: FDIC National Rates and Rate Caps as of April 15, 2024. https://www.fdic.gov/resources/bankers/national-rates/#one 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 ORDERS STRAIGHT TO YOUR DOORSTEP
• Auto-track your packages even if you didn’t pay with PayPal and get live updates each step of the way
• Simply link your Gmail account to track your packages or add tracking details manually in the app if it didn't update automatically. Not all sellers are participants.

PAY IN 4 WITH PAYPAL
• Buy now and pay later by splitting your purchase into 4 interest-free payments at millions of online retailers with no late fees
• Payments are easy to manage in the app. Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO or NV. 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 atpaypal.com/payin4

TRUST PAYPAL SECURE TRANSACTIONS
• PayPal helps keep your financial information secure, with commercially available encryption and fraud protection

Availability of features varies by market
5

testerup - earn money

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, and other product tests.

- 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 product, website, and app tests.
- 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.
6

Lloyds Bank Mobile Banking

New to our app?
Join millions of customers who use this app for simple and safe everyday banking. Our app is fast, convenient and secure – keeping your bank details private at all times.

What you can do
•Log on quickly and securely with Touch ID, Face ID or three characters from your memorable information
•Manage your account – check balances and pending payments
•You can now block or cancel subscriptions in the app, just search for “subscriptions” in the app to find out more
•Set up Direct Debits and standing orders
•Pay in cheques
•Easily transfer money and make payments to UK and international accounts
•Get your Travel Money delivered for free to your home or local branch
•Send money securely outside the UK or in a foreign currency
•Receive notifications about payments and spending insights on your current account
•View your PIN or request a new one
•Easily request a new card, report lost or stolen cards, freeze them and order replacements
•Quickly find and view transactions and statements
•Update your contact details

You can find plenty of other information in the app by using our ‘Search’ tool, as well as our handy ‘Help hub’.


Getting started
All you need is:
•The phone number that you’ve registered with us
•A Lloyds Bank personal, Lloyds Bank Islands personal, or Sterling international account

Keeping you safe online
We use the latest online security measures to protect your money, your personal information and your privacy.

How we’ll contact you
Using our app won’t affect how we contact you. Our emails will address you by your title and surname, and include the last four digits of your account number, or the last three digits of your postcode. Any texts we send will come from LLOYDSBANK. Be wary of any message that differs from this – it could be a scam.


Important information
Your phone’s signal and functionality may affect your service. Terms and conditions apply.

When you use this app we collect anonymous location data to help combat fraud, fix bugs and improve future services.

Touch ID requires at least iPhone 5s running iOS 10.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models). Face ID requires either iPhone X or later models, or iPad Pro with Face ID capability (2018 onwards).

Everyday Offers is available to Lloyds Bank UK personal current account customers, excluding Basic Account holders, aged 18+ with a debit/credit card who bank online. Terms and conditions apply.

Apple, the Apple logo, iPad, iPad Air, iPad mini, iPad Pro, iPhone, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Save the Change® is a registered trademark of Lloyds Bank plc.

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.
7

Capital One UK

Quick, handy, safe and packed with brilliant features that can help with managing your finances.

INTRODUCING… THE CAPITAL ONE APP

This isn’t just another credit card app. But then, we would say that. Right?

So it’s a good job all the customers dropping 5 star reviews on here seem to agree. (About 4 out of 5 reviews hit top marks.)

WHY SO MANY FIVE STAR REVIEWS?

We listen to you (as in all 2 million of our app-using customers). And then make features based on what you need. The kind of things that let you stop wasting time filling in forms or rolling your eyes while waiting on phone lines.

Take a look at a few of the things you can do in the app:

• Set up and change your Direct Debits
• Sign in with Face or Touch ID or a passcode
• Temporarily block a card or report it lost or stolen
• Make payments and find out when your next payment is due
• Update your contact details
• View PIN
• Check your balance and how much you’ve got to spend
• See transactions
• Register multiple Capital One cards
8

NatWest Mobile Banking

Did you know that over 10 million customers now use the award-winning NatWest mobile banking app to access their account every day? Download our app today to make your day-to-day banking easy, quick and secure.

Why the NatWest app?
•Set up current, savings and student accounts instantly
•Enable multi-factor authentication (MFA) for better security and send high value payments in-app, amend payment limits and more
•Split a bill by sharing a payment request link with multiple people at once
•Get Cash in emergencies with a unique code without using your card
•Save your spare change with Single or Double round ups
•Discover our additional apps and services, including mortgages, home and life insurance and loans in one place
•Favourite payees to send money faster
•Calculate your carbon footprint and track your progress
•Budget easily by managing your monthly spending and set categories
•Set up an instalment plan to repay a credit card purchase over a set period
•Add your other bank accounts and see them in one secure place
•Freeze and unfreeze your credit or debit cards at any time

Apply for a Premier account
•Premier Select account – a premium account with no monthly fee
•Premier Reward account – For £2 a month you’ll get £9 a month back in rewards, earn at least 1% at partner retailers per transaction and much more
•Premier Reward Black account – for £31 a month you’ll get airport lounge access, travel and phone insurance, 24/7 concierge service and much more

Apply for a student account
•Open an account today and receive £80 cash and a free Tastecard
•Apply for an interest-free overdraft of up to £2000

Important things to know
•There is a maximum of 5 payments totalling £1000 per day. You must be 16+
•Get Cash - Withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (locked or unlocked)
•Touch ID and Face ID are only available on selected devices.
•Credit score available once opted in through the app, to customers over 18, with a UK address and is provided by TransUnion.
•Spending - you must be aged 16+. Only available for Personal and Premium Current accounts.
•You can freeze and unfreeze MasterCard credit cards and debit cards.
•You can create one Travel Plan at a time, for a maximum period of 90 days which include up to 7 countries. Each country needs to be registered separately. The Travel Plan will apply to debit cards only, attached to accounts that are managed via mobile banking and only in your name. Joint account holders should register separately.
•Managing your receipts is available to Business Banking and Premier customers only.
•Our app is available to customers aged 11+ with compatible iOS and a UK or international mobile number in specific countries.
•Please make sure you accept the following permissions before starting:
•Allow the app to communicate through your network
•To find your nearest cash machine or branch you’ll need to let the app find your location
•To ‘Pay your contacts’ the app will need access to your contacts list

Please note, the app contains images when logging in that may cause a reaction in individuals who are photosensitive. You can switch these off for your device by visiting the settings menu and the accessibility menu where you will be able to find motion and visual control settings (note this is not within our app but on your devices settings itself).
To download the latest app version, you should have an iOS device with OS – 15 and above.

By downloading this app, you’re accepting our Terms and Conditions, which can be viewed at natwest.com/mobileterms. Please save or print a copy along with the Privacy Policy for your records.
9

Barclays UK

The Barclays app

HOW TO REGISTER
If you’re 16 or over and you have a UK-registered mobile number and a UK Barclays current account or Barclaycard, you can register for the app. You’ll need the 16 digit number off your card, then follow the onscreen instructions. Some customers may be required to verify their identity with PINsentry or at a Barclays cash machine.

If you’ve got an activation code, follow the onscreen steps to register (you won’t need PINsentry for this).

After you’re set up, you’ll only need your 5-digit passcode to log in. Then you can set up Touch ID or Face ID to log in faster in future.

THE BENEFITS
• Log in quickly and securely when you set up access through Touch ID or Face ID
• Manage your personal, business and corporate accounts, including your Barclaycard accounts, and view your Barclays mortgage account
• See recent transactions and check your balances
• Make payments to new and existing payees, transfer money between accounts or transfer a balance to your Barclaycard
• Delete Direct Debits
• Set up, edit and delete standing orders using your app
• Join Barclays Blue Rewards and earn rewards just for banking with us
• Store your documents securely with Barclays Cloud It
• Find your nearest branch or cash machine
• Use Mobile PINsentry. It can take up to 4 days for this feature to be activated in the app while we complete some security checks
• Call us straight from the app to speak to an adviser
• Our iPhone app has been accredited by AbilityNet – the charity that assesses digital services for accessibility

Terms and conditions apply. You must be aged 16 or over to use the Barclays app.

FOR BUSINESS ACCOUNTS
You can only use the app if you’re a sole-signatory Barclays Business current account holder. You can’t register your Barclaycard business or corporate credit cards.

This app is provided by either Barclays Bank UK PLC or Barclays Bank PLC depending on the entity you may have contracted with for banking services. Please refer to your bank documents (terms and conditions, statements, etc) to confirm the legal entity that provides banking services to you.

Copyright © Barclays 2024. Barclays is a registered trade mark of Barclays plc, used under licence.

Barclays Bank UK PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 759676).
Registered in England. Registered No. 9740322 Registered Office: 1 Churchill Place, London E14 5HP.

Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 122702).
Registered in England. Registered no. 1026167 Registered Office: 1 Churchill Place, London E14 5HP.
10

Halifax Mobile Banking

Our Mobile Banking app can do everything you’d expect, maybe a little extra. And you can use it whenever and wherever you want. So you can crack on if you’re on the bus, at work, or simply can’t tear yourself away from the telly.

THE BASICS
- Sign in quickly and securely with Touch ID, Face ID or a 3-character combination from your memorable information
- Swipe easily to see balances and statements
- You can now block or cancel subscriptions in the app, just search for “subscriptions” in the app to find out more
- View details of individual transactions
- Check money coming in and going out
- Receive notifications about payments and spending insights on your current account
- Make transfers and payments (it’s so easy)
- Manage your standing orders and view direct debits
- Pay your loan or credit card bill
- Pay in cheques
- Set up new payees or pay your phone contacts.

A FEW EXTRAS
- Earn as you spend with Cashback Extras
- Apply for loans, savings, cards and more
- Call us safely from the app – we’ll already know it’s you so can quickly connect you without the usual security checks.

STAY SAFE
- Freeze card transactions if you’ve temporarily misplaced your debit card or want to restrict how it’s used
- Report lost or stolen cards
- Order replacement cards and PINs
- Reset your Online Banking password
- Update the contact details we have for you.

GETTING STARTED
New to this app? No problem. Just register your device and you’re ready to go. For this you’ll need:
- An up-to-date phone number registered with us
- Halifax UK personal account
- Online Banking username, password and memorable information (you can create these in the app).

KEEPING YOU SAFE ONLINE
We do all we can to protect you online. This includes preventing connections from the app on devices that we think have been tampered with. We also have an online banking guarantee: http://www.halifax.co.uk/aboutonline/security/

CONTACTING YOU
We won't contact you any more than normal if you use the app. But please stay alert to email, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. We'll never contact you to ask for these details. Any emails from us will always greet you personally using your title and surname and either the last 4 digits of your account number or the last part of your postcode '*** 1AB'. Any text messages we send you will come from Halifax . IMPORTANT INFORMATION
Mobile Banking is available to our Online Banking customers with a UK personal account. Services may be affected by phone signal and functionality. Terms and conditions apply.

Please note that features requiring the use of your device’s phone capability, such as Call us, won’t work on iPads.

When you use this app we collect anonymous location data to help combat fraud, fix bugs and improve future services.

Touch ID requires at least iPhone 5s running iOS 10.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models). Face ID requires either iPhone X or later models, or iPad Pro with Face ID capability (2018 onwards).

Apple, the Apple logo, iPad, iPad Air, iPad mini, iPad Pro, iPhone, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Cashback Extras is available to Halifax bank account customers (excluding Basic Account holders) aged 18+ with a debit/credit card who bank online. Terms and conditions apply.

Save the Change® is a registered trademark of Lloyds Bank plc and is used under licence by Bank of Scotland plc.

Halifax is a division of Bank of Scotland plc. This app and Mobile Banking are operated by Bank of Scotland plc (registered in Scotland (No. SC327000) Registered office: The Mound, Edinburgh, EH1 1YZ). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.


Rank App Details
1

Pennies – Budget and Expenses

Keep track of your spending and save money with Pennies, the award-winning budgeting app for iPhone, iPad and Watch. Winner of Apple's ‘Editors Choice’ award and thousands of 5 Star reviews worldwide, Pennies is THE budgeting app for everyday people.

••• Read the reviews and see what people are saying •••

"The easiest and simplest budgeting app ever"
"Been using it everyday for a year now - and my bank account shows it!"
"The perfect, simple budgeting app that actually helps me save"
"Life Changing"
"You need this app!"


••• MAIN FEATURES •••

> HELPS YOU KNOW HOW MUCH TO SPEND
Pennies does all the hard work for you by telling you how much you have to spend today. If you spend less, no worries, Pennies will give you more money to spend tomorrow.

> HELPS YOU SAVE MONEY
Should you spend or should you save? Pennies shows your spending and finance health with bold colors, helping you slow down or speed up your spending to keep you on track.

> MORE PERSONAL THAN ANY OTHER BUDGETING APP
Pennies offers you weekly, monthly, bi-weekly, twice-monthly, custom and one-off budgets, that start on any day you want. No other budgeting app gives you this much flexibility to create budgets that work perfectly with your lifestyle.

> INSTANTLY SYNC VIA ICLOUD
Keep your budgets backed up and shared across all your iOS devices via iCloud. Pennies installs on your iPhone, Watch and iPad and seamlessly syncs your budgets for you.

> AS MANY BUDGETS AS YOU NEED
Have more than one budget that you want to keep on top of? No problem, there's no limit to how many budgets you can set up.

> FLEXIBLE EXPENSES
Sometimes we forget when we spend – that’s OK. Add and edit expenses to previous dates and budget periods, and Pennies will recalculate your budgets today so you are always up to date with your spending money.

> MULTIPLE CURRENCIES
Use any currency in the world for individual budgets.

> TRANSFER BETWEEN BUDGETS
Easily transfer money between budgets with a single click.

> SUPER SIMPLE, SUPER QUICK
Made a purchase? Sweet, just add it in. Pennies only cares about the numbers, no tags, charts or complex breakdowns here. Just the amount of money you have to spend is all you need to know.

> 3D TOUCH SUPPORT
Add budgets, transfers and expenses straight from your home screen using 3D Touch Quick Actions. Requires iPhone 6s / 6s+

> TODAY WIDGET SUPPORT
Head to the Today view in Notification Center and add Pennies Today, you'll get a handy view of your daily budgets, and with a single tap you can view them in Pennies.

> BUDGETS ON ALL YOUR DEVICES
Pennies comes ready to install on your iPhone, iPad and your Apple Watch, so you can keep your budget with you wherever you go!


Budgeting shouldn’t be hard work or boring. That’s why in Pennies you won’t find any charts, graphs or complicated diagrams. It's personal finance made easy, it’s your money made simple.

Pennies is friendly, bold and unbelievably easy to use, giving you the freedom to manage your budgets and spending in any way that suits you. It's all about keeping things easy and flexible so you can get on with having fun, spending what you want, and saving money at the end of the month.

So, start budgeting how you want, when you want, without any worry. Start using Pennies today!

If you enjoy using Pennies please rate the app! If you have any feature requests I'd love to hear them. If you want to send me chocolates and roses, that's cool too.

Check out Pennies in action: http://www.getpennies.com
Follow Pennies on Twitter – https://twitter.com/PenniesApp
Contact me – hello@getpennies.com
2

Money Manager (Remove Ads)

“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

Privacy Policy:
https://realbyteapps.com/policy/privacy.html
3

UK VAT Calculator

Makes working with UK VAT (value added tax) really easy - even reverse VAT calculations.

Features
- Calculate using 20% Standard VAT Rate or 5% Reduced VAT Rate
- Add VAT, or reverse it from any amount
- Automatic calculations as you type
- Basic +/- calculations if you need the total VAT across a few items
- Simple and easy to use design with Dark Mode support on iOS13

Just start typing to add VAT to any amount, or tap “Including VAT” to do a reverse VAT calculation.
Tap to change between Standard and Reduced VAT rates.
Tap C or AC to clear, just like on your calculator

UK VAT Calculator is useful for businesses, shoppers and travellers.

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

Feedback is always welcome: desk@almostantarctic.com
4

UK Tax Tool 2024

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 2024/25, 2023/24, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 16 & iOS 17.

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.
5

BA II Plus™ Financial Calc

See the capabilities of the most advanced financial calculator from Texas Instruments — the BA II Plus™ Professional calculator. This calculator is a great choice for business professionals and college students, in both corporate and university settings.

FULL RANGE OF FINANCE AND SCIENCE FUNCTIONS
• Performs Time-Value-of-Money (TVM) calculations including annuities, loans, mortgages, leases and savings
• TVM P/Y=1 default matches current BA II Plus™ and BA II Plus™ Professional calculators
• Generates amortization schedules
• Calculates IRR, MIRR, NPV and NFV for cash-flow analysis
• Stores up to 32 uneven cash flows with one- to four-digit frequencies and analyzes the impact of changes in variables
• Evaluates bond prices and yields “to maturity” or “to call”
• Choose from six methods for calculating depreciation, book value and remaining depreciable amount
• Performs analysis on one- and two-variable statistics with four regression options: linear, logarithmic, exponential and power
• Determines the days between dates
• Calculates breakeven, profit margins and percent change
• Includes trigonometric and logarithmic scientific functions
• Choose between chain and Algebraic Operating System calculation methods

OTHER FEATURES
• Stores 10 values in memory which are retained by the Constant Memory feature
• Enable key click sounds in Settings
• Switches to second functions fast with one-touch 2nd function key
• Support for split screen, portrait and landscape modes
• Ability to copy individual calculation results to other apps
• Includes both BA II Plus™ and BA II Plus™ Professional calculator features
• The look corresponds to BA II Plus™ Professional calculator
6

Debt Manager

*** 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
7

Account Tracker Pro

Apple "New apps and games we love" (on the Mac), March 2017

Apple "Staff Favourite" in the UK (on iOS), Jul/Aug 2010

Account Tracker is a powerful personal finance app that helps you track spending and monitor balances across multiple accounts. Its clean, intuitive user interface, and features such as alerts, bill reminders, budgets, reports and full multi-currency support, make it easy to take control of your finances.

This Pro version is a subscription-free version of Account Tracker, with exactly the same content plus basic support for Apple Watch. Try Account Tracker before you buy, it is free to download and supports a 1 month FREE TRIAL. Simply cancel before being charged.

Also check out Account Tracker for Mac, now available on the Mac App Store. It requires Account Tracker version 6 or above (to sync over iCloud or Dropbox), and macOS Sierra (10.12) or above.

ACCOUNTS
- Track multiple accounts: checking, current, savings, credit cards, loans/mortgages ... etc
- Separate your accounts into groups, e.g. personal vs business accounts
- Enter your recurring transactions using calendar-based repeat intervals, e.g. every 2 weeks, the last Friday of every month ... etc
- Quickly and simply enter one-off transactions as they happen
- Reconcile your account data with your statements
- While it is useful to see where your money goes, you can also look FORWARDS, showing all of your future commitments
- Alerts if an account is likely to go overdrawn or hit its overdraft limit

BILLS
- Enable reminders for non-automatic transactions, e.g. bills that you have to pay manually
- View all transactions with reminders set
- Alerts to tell you when these transactions are due

BUDGETS
- Add budgets per category for spending, income and transfers across individual or multiple accounts
- View these as daily, weekly, fortnightly/biweekly, monthly, yearly or custom dates (e.g. tax years)
- Monitor your transactions against the goals you set

REPORTS
- Detailed reports to really understand your financial position
- Account balance over time, cash flow, spending by category or payee detail, income by category or payer and transfers by category
- View these as daily, weekly, fortnightly/biweekly, monthly, yearly or custom dates (e.g. tax years)
- Export or print reports as PDF files

DATA, BACKUPS AND SYNCING
- Import historical transactions or bank statements from a CSV file
- Export account statements, budgets and reports in CSV format for offline processing, e.g. in a spreadsheet
- Local backup and restore on your device, plus transfer of backups by AirDrop, email, Dropbox or iCloud
- Support for database syncing across multiple devices (using either Dropbox or iCloud)
- PIN code protection, plus Face/Touch ID and 1Password integration

PLUS
- Full multi-currency support, per account and per transaction
- The default currency is the one local to your device, but this can be overridden
- Supports sub-categories and splitting a transaction across multiple categories/subcategories
- Universal, retina enabled app that works on the iPhone, iPad and iPod Touch - buy once, use it on ALL of your devices
- Also supports the Apple Watch, to display account balances and a snapshot of your main budgets
- In-app user guide

SUPPORT
Please use the link to my support page from the AppStore page or from the app itself (or simply go to http://grahamhaley.co.uk/accounts/).

Alternatively, contact me directly via my support pages and you will get a quick response.
8

Meter Readings

Apple's iPad APP OF THE WEEK (UK and Ireland), March 2011

AppStore Rewind 2011, one of Apple's favourite iPhone finance apps of 2011 (UK and Ireland)

Closely monitor your household energy and water usage and the chances are you will SAVE MONEY!

This useful application makes it easy to monitor your household utility meters. Once you start entering readings, your usage, costs and savings are calculated and displayed in easy to visualise graphs.

KEY FEATURES
- Monitor up to five separate meters, e.g. electricity, gas, water, solar ... etc
- Quick entry of readings, as often as you like
- Use the rear-facing torch/flashlight when reading your meters (if your device has one)
- Local reminders so you don't forget to enter your readings
- Displays usage and costs for the latest readings period, and compares this with your average or previous year
- Plots graphs of usage and costs per day, week, month, quarter or year, so that you can visualise changes over time, e.g. against the previous year
- Multiple colour themes (black, red, blue, green ... etc)
- Import historical readings from a CSV file
- Backup your data and sync it between devices by email, AirDrop, Dropbox or iCloud
- Export your readings as a CSV file for easy import into a spreadsheet
- Universal app, works on the iPhone, iPod Touch and iPad

METERS, CURRENCY AND RATES
- User configurable units, so the app could be used for other types of measurement
- Support for meters that count up (e.g. electricity, gas, water ... etc) or down (e.g. oil)
- Uses the currency from your device's region setting, but you can override this per meter (e.g. for holiday homes)
- Handles a wide range of rates and charges, e.g. fixed or time based rates, per-unit rates, stepped rates for up to 12 levels, Economy 7/10, time of day meters ... etc

BILLS
- Check your bills by comparing any pair of readings (e.g. those submitted to your supplier)
- View your usage and costs since your last bill, as well as an estimate of when and how much your next bill will be

POWER USER FEATURES (via a ONE-TIME in-app purchase)
- Additional meter types, reading combinations and ways of calculating usage
- Support for rate changes, if/when you switch supplier or they change your rates
- Support for resetting your readings, e.g. if you get a replacement meter
- Automatic backups to iCloud

PRO USER FEATURES (via a ONE-TIME in-app purchase)
- Removes the restriction on meter numbers, e.g. for landlords, businesses and professionals

SUPPORT
Please use the link to my support page from the AppStore page or from the app itself (or simply go to http://grahamhaley.co.uk/meters/.

Alternatively, contact me directly via my support pages and you will get a quick response.
9

10bii Financial Calculator

Look no further, you have found the best Financial Calculator app available.

In-App Purchase: 10bii+ Features (Bonds, Breakeven, Depreciation, Trig, Probabilities) available!

5 Stars: "What is the PV of WOW? I'm sure thrilled with everything about this app! Too bad there isn't room for another star!" - Pokey

5 Stars: "This tool is excellent. It's downright marvelous! I would recommend it to any financial advisor without reservation." -John L Olsen, CLU, ChFC, AEP

5 Stars: "Awesome Financial Calculator! I use it all the time and love it!" - Tinahart2

5 Stars: "Great customer service along with the app's ease of use made this purchase a no brainer." - HarborDan

5 Stars: "I am a full-time investor in real estate and notes. This has become my "go to" app on my iPad. [It does a] wonderful job in integrating visual tools to illustrate financial cash flows. A++++" - Sanjosee

Highlights:
- Displays current N, I/YR, PV, PMT and FV values right above buttons
- Print or Save PDF Amortization Schedules
- Easily enter your Uneven Cashflows in a spreadsheet-like worksheet
- Video Tutorials in Help section
- Draws Cashflow Diagrams for simple TVM or complex Uneven Cashflows
- Saves Recent calculations so you can easily reload them
- Easy Mode allows everyone to get the financial answers you need!

Finally a Financial Calculator for everyone! Whether you are a seasoned investor or you just have questions about paying off your credit card, refinancing your home, or planning your 401(k) contributions, the 10bii Financial Calculator has the answers to YOUR financial questions!

The 10bii Financial Calculator is a versatile and powerful financial calculator which features more than 105 different functions for financial analysis, business, statistics, and general mathematics. Modeled after the extremely popular HP 10bII Financial Calculator, the 10bii Financial Calculator app combines precise mathematics, intuitive display, and ease-of-use in one compact package. It allows you to easily calculate loan payments, interest rates, amortization, time value of money, investment value, and more using a combination of powerful and intuitive equation-writing functionality and helpful worksheets. The 10bii Financial Calculator's keypad has been specially designed to be easy to use and easy to see.

By expanding on HP's traditional presentation, the 10bii Financial Calculator allows quick and intuitive building and visualization of TVM (Time Value of Money) calculations and Uneven Cash Flows, lets you see the stored values of all of your memory registers in one easy view, graphs your statistical series, and lets you type in whole equations for easy review and one-touch evaluation.

With the 10bii Financial Calculator, you can:

Get answers to common financial questions WITHOUT having to know how to use a financial calculator! With the 10bii Financial Calculator's Easy Modes, answer a few simple questions worded in plain language (rather than Financial-ese) and find out just how much you'll save with that refi, how much you'll have at retirement, how long it'll take you to save up for that big purchase and more. Now with 12 Easy Modes!

Easily enter and see diagrams for Cash Flows, including rapid calculation of Net Present Value and Internal Rate of Return. A dedicated interface makes adding, editing, deleting, and reordering uneven cash flows a breeze.

Enter and analyze statistical data points, and see graphs based upon the values you enter. Includes standard calculations such as standard deviation, mean, and linear regression forecasting.

Never has using a financial calculator been so easy or intuitive. The 10bii Financial Calculator is powerful enough for the professional but accessible enough for everyone. It is an ideal tool for teaching the power of compounding interest, analyzing potential deals or business ventures, or just doing math problems, and sharing the results of your work with others.
10

Mortgage Calculator™

*** SALE NOW ON - 50% off ***

*** Featured in the Sunday Times App List 2012 ***

*** Featured as 'What's Hot' by Apple ***

'Mortgage Calculator' has one aim - To SAVE YOU MONEY on your mortgage!

If you're buying a house, looking to re-finance, or simply want to make the most of your existing mortgage, then this is the perfect app for you.

Try out various 'What-If' scenarios and quickly see how extra payments can save you a whole lot of time and money. You can enter any number of Monthly, Yearly or One Off extra payments, at any period during the loan. Then watch the total loan length and cost go down. You may be surprised by just how much!

Easily visualise your cost savings in the simple and interactive charts. Just slide your finger along to see the costs for each year.

5-Stars - "...beautiful, simple graphs which make tricky decisions a whole lot easier."

5-Stars - "...really helped me to compare the different mortgage deals"

*** Highlights ***
--------------------
Specially designed for the US market:

√ See effect of regular or one off Extra Payments
√ Variable Rates support
√ Calculate the 'True Cost', by including Tax etc
√ Takes into account PMI
√ Try out various 'What-If' scenarios
√ Email a PDF or HTML of the loan details
√ Support for ARM 3/1, 5/1, 7/1 mortgages
√ Charts allow easy visualisation of the costs
√ Make an informed choice by comparing loans
√ Backup & Restore via Dropbox
√ Passcode protection
√ Elegant, simple and powerful user interface

*** Quick Calculators ***
-----------------------------
Super quick calculators for instant answers:

√ How much can you afford to borrow?
√ Monthly Payments
√ Money Saving Effect of Extra Payments
√ Cost of Moving House

*** Analyse & Compare ***
---------------------------------
Visualise mortgage costs in simple, easy to understand charts:

√ Store details of multiple mortgages
√ Easily see the costs for each year with a slide of the finger
√ Try out various 'What-If' scenarios
√ Extra payments can 'Reduce Term' or 'Reduce Payments'
√ Include Tax, Insurance, PMI in the payments
√ Support for 'Repayment' or 'Interest Only'
√ Monthly breakdown of costs (Amortization)
√ Compare up to 4 mortgages side by side
√ Support for ARM 'Initial Rates' e.g. 4% for 3 years

*** Voted #1 Property App - upack.com ***
---------------------------------------------------
"The strongest arrow in its quiver is the way it handles hypothetical situations, letting you analyze all manner of mortgage-related queries, such as how much you can afford to borrow, and a variety of other what-if scenarios..."

Note that multiple currencies are supported!

Rankings are taken directly from iTunes.