Money Watch – Personal Finance Blog

Monzo is the rewarding debit card that makes you feel good about how you spend. With one app to manage all your finances, in real time.
Monzo Pro is $10 a month. Open an account in a few minutes.


FEEL GOOD ABOUT HOW YOU SPEND
Earn 2% on groceries and eating out*.
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.
*Monzo Pro subscription required. Terms apply.


NO STRESS SAVINGS
With Monzo Pro, get our best savings rate of 3.75% APY interest. Otherwise, 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.
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 $250k


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 Pro subscription may be required to access certain features. Other terms apply.

Monzo’s Savings Jar Annual Percentage Yield (APY) is as of May 19, 2025. The APY may change at any time.
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, 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.
¹Your funds are held at Sutton 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 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

Join the 50+ 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

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.

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. Get started in the app.

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 right 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. (“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. 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 right from 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 your orders and their delivery status right from the PayPal app–even if you didn’t pay with PayPal. Simply link your Gmail or Outlook to get started.
Get live updates each step of the way until they arrive safely at your door.
Not all sellers are participants.

PAY IN 4 WITH NO LATE FEES
Split everyday purchases into 4 interest-free payments at millions of online stores.
No late fees. No impact to your credit score.
Manage payments right 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 at paypal.com/payin4

Availability of features varies by market.

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

Welcome to the new Hastings Direct app, which is packed full of features designed to take the hassle out of managing your insurance. You’ll find your policy details and insurance documents as well as contact numbers and claims tips all stored safely and securely in the app to access whenever and wherever you need them.

So, whether you want to manage your policy, need help if you’ve broken down or have to make a claim you can get the help you need, quickly.

MANAGE YOUR POLICY:

- One-click links to important information for your Hastings Direct, Premier, Essentials and YouDrive polices – quick access to your policy number, what you’re covered for, excesses and renewal date*
- Something changed? Update your car, address or add a new driver in a few easy steps*
- Need more information and hate rummaging through paperwork? Keep all your key documents in one place that’s accessible 24/7*
- View your car, home, van and bike policies all in one place
- Constantly forgetting passwords? Switch to Touch ID / Face ID or a 6-digit pin
- Stay safe - Customise security features and read our privacy policy

BREAKDOWN ASSISTANCE:

- Get help when you need it most – Hit ‘click to call’ and you’ll connect directly to your breakdown provider

CLAIMS:
- Need to make a claim? Use the app to register a claim
- Got a query about an existing claim? Our app will help you find the answer
- Get in touch directly - Send important information to us via email

We’re working hard to release lots of exciting new functions to help make your life that little bit easier, so make sure you keep your app updated. If you’ve got any suggestions on how we can improve the app or if you require technical support, please email mobileappsupport@hastingsdirect.com.

Disclaimer

Minimum Hastings Direct app requirements:

- iOS 12.0 or newer
- Phone must not previously or currently be jailbroken**

*Customers with policies beginning with ‘H’ are automatically redirected to our mobile website to view or change their policy
**allowing root access to files which remove all restrictions from the phone


Hastings Insurance Services Limited, trading as Hastings Direct, is authorised and regulated by the Financial Conduct Authority (register number 311492).

Join over 6 million of our customers who are using the Nationwide banking app for their everyday banking needs. It’s simple to get started.

# I’ve never used the app before. How do I start? #
Download the Nationwide banking app and follow the instructions on screen, you’ll need your Nationwide account details or customer number.
You can log in with Face ID, Touch ID or passnumber if your device allows.
Once you have set up biometrics on your account, you will be able to confirm new payments with Face ID or Touch ID. We will ask you to take a selfie. We might still need to verify your identity using your card reader, so please keep it somewhere safe just in case.

# How safe is the Nationwide banking app? #
Our Digital Banking promise means:
• We'll refund any money taken from your account without your authorisation
• We'll monitor and protect your account 24/7 with the latest technology
• We'll provide you with education on how to stay safe including top tips and information on the latest fraud and scam trends

Please see our website for full terms and conditions. T&Cs apply.

# You can use the app to: #

• View your accounts and statements; savings, loans, mortgages, credit cards and current accounts.
• Browse our product offerings, and open new accounts.
• Customise your banking app home screen. You can choose slimmer account tiles to see more on your screen.
• Manage your payments – set up, cancel and amend standing orders in the app. You can cancel Direct Debits too.
• Authenticate transactions in the internet bank and when shopping online.
• Report lost, stolen or damaged cards. You can also freeze / unfreeze your debit card.
• Add your cards to Apple Pay.
• Download copies of your monthly statements for some accounts.
• Search for or scan transactions at a glance. The app shows you pending transactions and includes easy identifiers such as brand logos and the organisation’s location and contact details.
• Set savings goals and your own contactless payment limits. You can also turn off contactless payments.
• Round up your spending and save the extra directly into your savings account.
• If you ever find gambling becomes a problem for you, use the app to set a gambling block.
• Personalise your settings to update your personal details, get text alerts and go paperless.

Join over 10 million customers and download our NatWest mobile banking app today to make your day-to-day banking easy, quick and secure.

Why the NatWest app?

Manage your money easily and securely:
•Apply for current, savings, child, teen, premier and student accounts quickly. Eligibility criteria apply.
•See all your bank accounts straight from your home screen.
•Freeze and unfreeze your card at any time (Mastercard only).
•Set up touch, voice or face ID for better security and send high value payments in-app, amend payment limits and more. Touch, voice and face ID are only available on selected devices. Optic ID is also available on Apple Vision Pro.

Send, receive and access money quickly:
•Request money via a QR code or link.
•Send money faster with a personalised list of favourite payees.
•Split a bill up to £500 by sharing a payment request link with multiple people at once. (Eligible current accounts only. Payment requests can be sent to anyone with an eligible account with a participating UK bank and uses online or mobile banking. Paying bank criteria and limits may apply.)
•iPhone only: Get Cash in emergencies with a unique code without using your card. You can withdraw up to £130 every 24 hours at our branded ATMs. You must have a least £10 available in your account and an active debit card (locked or unlocked).

Stay on top of your spending and saving:
•Keep track of payments all in one place.
•Save your spare change with Round Ups if you have an eligible current account and instant access savings account. Round Ups can only be made on debit card and contactless payments in Sterling.
•Budget easily by managing your monthly spending and set categories.
•Turn on push notifications to get alerted when money reaches or leaves your account.

Get support for every life event:
•Spend abroad in Euros and US Dollars without fees or charges by applying for a Travel account. You must have enough money in your travel account. To apply for a Travel account, you need an eligible sole current account and to be over 18. Other terms and fees may apply.
•Get updates on your credit score and insight on how to improve it. Your credit score data is provided by TransUnion and is only available to customers over 18, with a UK address.
•Discover our additional products and services, including mortgages, home and life insurance and loans, in one place.
•Fast track your money goals with the help of our handy plans, tools and tips.


Important info

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 within the menu (note this is not within our app, but on the settings of your device itself).

Our app is available to customers aged 11+ with a UK or international mobile number in specific countries. Be aware some features and products have age restrictions and are only available if you’re over 16 or 18.

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 record.

Stay in control of your money with customisable tools that help you manage your day-to-day spending and keep track of your bills.

READY, STEADY, PAY

•With the power to check upcoming payments, you can make sure you’re ready to pay on the day. Yay!


JUST A TOUCH AWAY
•Use your face or fingerprint to log in, which makes signing into the app faster and more secure.
•The app now has a 'space' for everything you need – so you can find everything from your balance to your savings, pensions or investments easily.


PLAY YOUR CARDS RIGHT
•Whether your card is lost, stolen or turned into a chew toy, you can relax knowing you can freeze it, order a new one, or and look up your card details.

IN FOR A PENNY

•Spending Insights help you understand where your money goes every month. You might be surprised to find you spend a bit more than you thought on frothy coffee.
•Make every penny count with Save the Change. It rounds up what you spend on your debit card to the nearest pound, transferring the change into your nominated savings account.
•Enjoy a cheeky bargain or three. Everyday Offers give you the opportunity to earn cashback from a range of retailers. Kerching!

HOW WE’LL CONTACT YOU

Using the 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

We don't charge you to use our services, but your mobile operator might charge for some things, such as downloading or using the app, so please check with them. Services may be affected by phone signal and functionality.

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

The app is available to customers with a UK personal account and valid registered phone number. IOS14 or above required. Device registration required. Terms and conditions apply.

Freeze and unfreeze certain types of transactions securely 24/7 for extra peace of mind or if you’ve temporarily misplaced your card.

Touch ID requires at least iPhone 6s running iOS 14.0 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.

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.

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 its legal requirements. This does not imply any representation, warranty, or statement to you and should not be relied upon for entering into any contract.

***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.

12Calc is a full version of the well known HP12C for the iPhone and iPad. It also includes an audit tape, unit converter, worksheets, rotated views, user guide and HD graphics optimized for iPad and iPhone retina displays.

•Runs in 64 bit mode on the latest iOS release and new iPads and iPhones.

•Calculations are highly accurate and blazing fast. No more "running" flashing displays for amortizations, depreciation schedules or interest calculations. Work as fast as you can type.

•Audit Tape: The audit tape keeps a record of your calculations. You can review, mail, text, share or print the tape.

•Unit Converter: Convert between a wide variety of common units and currencies. Currency rates can be downloaded from the internet.

•Work Sheets with interactive graphs:
Auto Purchase
Black-Scholes
Bond
Break-even
Cash Flow analysis
Currency
Date
Depreciation
Interest Conversion
Lease
Loan Amortization (includes option for Canadian mortgages)
Margin&Markup
Refinance
Statistics
Tip
TVM

•Views for all orientations: Portrait and landscape renderings of the full keyboard are provided for iPhone and iPad. The iPad version includes slide over and multiple split view displays as well as side-by-side display of the help page, audit tape, tvm mortgage table or program variables.

•Built-in contextual help: Touch the ? key for a description of any keyboard function with examples of use. If you are just learning or can't remember how to use a function- just touch the ? key. Includes tutorials on how to use reverse Polish notation (RPN) and how to solve time value of money problems.

•HD Graphics: Graphics optimized for both retina and standard resolution screens. Choose from multiple color schemes including gold, rose gold, brass, copper, silver and several color tints.

Now available in mobile [iPhone/iPad] and desktop versions [Mac OS, Windows], including instant data sync between mobile/desktop versions. (Separate purchase required for each OS platform).

A lite version of HomeBudget is available under the free applications category. Give it a try.

Contact support@anishu.com, if you need help. We have no way of contacting you if you post an issue as a review.
--

HomeBudget is an integrated expense tracker designed to help you track your expenses, income, bills-due and account balances. It offers support for budgeting, and allows analysis of your expenses and income, including charts and graphs. Two key differentiating features of HomeBudget are:

1. Integrated set of features. The features within HomeBudget are well integrated such that a bill can become an expense (when you pay for it) and also adjust the account balance at the same time.

2. Family sync. HomeBudget includes Family Sync, an advanced feature that allows a group of devices within the household to exchange expense and income information, and work together within a single budget. Once setup, the devices sync with each other automatically over the air. Family Sync works across all features including Bills and Accounts. Please refer to the Family Sync Quick Start guide at http://www.anishu.com for information on configuring Family Sync.

KEY FEATURES:

Expenses:
- Create/Edit/Delete expenses and recurring expenses
- Browse expense entries by month, by category/date with the ability to drill-down
- Optionally associate an account and payee with an expense
- Attach photo images of receipts; drag and resize images on screen
- Support for multiple currencies and automatic exchange rate conversion
- Search expense entries

Income:
- Create/Edit/Delete income and recurring income
- Optionally associate an account with the income

Bills
- Create/Edit/Delete bills and recurring bills
- Support for Payees, and track payments by Payee.
- Make payment on bills either an as expense or as a transfer (to avoid double accounting your expenses)
- Calendar and list view of Bills
- Bill reminders

Categories and Budget
- Create/Edit/Delete expense categories and sub-categories
- Set a budget, and track expenses at the category/sub-category level.
- Associate icons with the categories and reorder category display order
- Budget rollover
- Classify expenses into fixed, variable and discretionary and compute your disposable income

Accounts
- Support for Accounts such as Checking, Savings, Credit, Debit, Cash, etc.
- Associate your expense and income entries with your accounts and accurately track account balances.
- View transactions, and do transfer between accounts.
- Ability to choose a different base currency for each account

Reports
- Trend chart for Expense, Budget and Income for the last 6 months
- Pie/Bar charts for expense break-down (Available in the Expenses screen).
- Export data/reports by email or via WiFi

Family Sync
- Automatically sync multiple devices (iPhone, iPad, iTouch) in the household and see the same numbers on all devices over 3G and WiFi
- Work within the same budget with other members of the household

Other
- Backup/Restore complete application data, including all receipts
- Ability to upload your own list of category icons
- Large numeric keypad for expense/income amount entry
- HomeBudget follows the locale/region setting on your device and shows date and currency symbols appropriate for your region

Visit http://www.anishu.com to see more screenshots, and to download the user guide (PDF, 42 pages).

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.

Income OK - the fastest way to track your income and expenses.

The features of the app:

- expenses
- income
- the handy widget
- subcategories
- pie diagram
- synchronization
- password
- Touch ID & Face ID
- export to CSV
- backups

Follow us on Twitter at @CashflowsApp!

Cashflows Pro helps you forecast future balances of your bank accounts. It's simple to set up and requires minimal effort to maintain.

Tell it about your recurring transactions (including transfers between accounts) and future one-time transactions, and let it estimate your account balances months (or years) into the future.

It's not interested in the past, so there's no need to enter or maintain your transaction history.

It shows your account transactions and balances over time and lets you override individual payment dates and amounts. Quickly toggle payments on and off to see how they impact your future balances. The graph updates immediately with any changes you make.

Update the starting balance occasionally, and it'll show you which transactions are still due. If any have already occurred (or are late) just tap & hold to toggle them on or off.

FEATURES:

- Multiple accounts: Add multiple accounts and set up recurring or manual transfers between them.
- Recurring transactions: Supports recurring transactions with start date, end date (optional) and many recurrence options.
- Warning balance: Set a warning balance for an account and see at a glance when your balance is below it.
- Interactive forecast graph: Shows your future balance over time, highlighting warning balance and negative regions; tap the graph for a closer look at the nearby transactions.
- File-based: Keep multiple scenarios in separate files. Open backup files from Cashflows or Total Cashflow.

MANY USES:

* Planning Future Purchases:

This is a great tool for forecasting payments for a future loan, mortgage or car lease. Create a recurring transaction for the payment amount, fill in the first and last payment dates and see how it affects your balance. Make adjustments to figure out what you can afford.

* Planning for Change:

You might have a recurring bill that increases annually (such as health insurance). Simply create another recurring transaction to represent the increased payment and set its start date appropriately, and adjust the end date of the original transaction. You'll immediately see how it affects your finances in the future.

* Planning for Uncertainty:

The forecasts are only as accurate as you need them to be. If you plan to pay a minimum amount per month onto your credit card, set that up as a recurring transaction. Once you decide how much you want to pay this month, just override the forecast amount. You can always edit or delete the override later.

* Getting Out of Debt:

This app can help you get out of debt, and figure out how long it will take. Enter a recurring transaction between your checking / current and loan / credit account for the minimum amount you intend to pay each month. Extend the forecast period (tap "More" at the bottom of the Forecast page) and then look at the Balance Graphs for your accounts. If you can afford to pay extra in a few months, override that month's payment (or create a one-time transaction for the additional amount). You'll instantly see the effect on your checking / current balance, loan balance and when the loan will be repaid.

Know your future balance changes to organize your bills, track spending and manage your cash flow. Not just a budget app but your financial fortune teller.

Green lets you budget without having to budget. Green is not just another generic budgeting app. It is an income and expense tracking app with balance forecasting that automatically predicts your changing account balances over the next year.

HOW GREEN WORKS:
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1. Create your forecast
-- Enter your current account balance
-- Enter your recurring income and expenses (mortgage/rent, groceries, utilities, savings, etc.) and their occurrence (weekly, monthly, bi-weekly, etc.)

2. Be informed
-- Know your 3 most important balances, current, pending and lowest
-- See where you will be financially in the future (a year from now, 6 months from now, etc.)
-- Make sure you will have enough income to cover future expenses.
-- Make sure you don’t miss any bills.

3. Budget decisions
-- Save for unseen expenses.
-- See how spending money today affects your future finances.
-- Experiment by adding, removing or adjusting expense items to find out how it affects your bottom line next week, next month even up to a year from now.

THE FINANCIAL FEED – Your personal finance tracker at a glance
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At the top of your financial feed are your three balances. The Bank balance is what the balance should be in your account. The Pending balance is the difference between outstanding transactions and the Bank balance. The Lowest balance is what your lowest balance may be in the upcoming year. Tap the Lowest title to display the expected date of the lowest balance.

After the balances is a forecast graph. This graph is the anticipated balances change over the upcoming year based on your budget. This is an easy way to know if your spending is trending up or down.

The last three sections are transactions. They are broken down into lists for pending, upcoming and past transactions. Pending transactions list income or expenses activities that you completed but it hasn’t reflected in your account yet. Once they have cleared your account, the transaction can be cleared in Green (swipe let on the transaction) and it moves to the Past 30 days’ section. The Past 30 Days’ section contains all the transactions that occurred in the last 30 days. Your whole account transaction history can be exported as an excel file for further evaluation by swiping left on an account in the settings menu. The upcoming section shows what transactions are coming up. Just swipe left on the transaction to pay early or wait for the scheduled date when the transaction automatically moves to the Pending section.

WHAT CAN YOU DO?
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- Know when it's safe to spend
- Analyze your spending history
- Never forget another bill again
- Be budget aware even when you spend
- Have confidence in controlling your money
- Setup multiple budgets for different accounts

Don’t avoid controlling your money because it seems too intimidating and scary because with Green it’s easy. Because of Green’s forecast capability, you can plan for unexpected expenses, pay off debt earlier and finally take control of your money. Once you’re in control of your money your stress level will go down. Live life in control.

This application allows you to choose your IRS tax regimen, choosing whether you are married or single, how many dependents you have, benefits from the special scheme for the disabled, and in what region of the country you are (Mainland, Madeira or Azores).

The application provides 17 custom fields:
Base salary;
Night working hours;
Cash failures;
Sales commissions;
Exemption schedule;
Holiday allowance;
Split Holiday Allowance;
Christmas allowance;
Split Christmas Allowance;
Gratuities;
Overtime;
Account meal allowance;
Card meal allowance;
Travel allowance for travel in Portugal;
Subsistence allowance for foreign travel;
Travel by own car;
Income exempt from Social Security;

And the possibility of also calculating the discount value for ADSE, union membership and IRS Jovem.

Best of all, all values are calculated automatically taking into account IRS.

IRS tables always up to date.

And now, as a premium supplement, the app allows you to subscribe to an IRS simulator for Category A income. Attention: The app's price includes the net salary simulator. The IRS simulator which requires an annual subscription is not included.

Before downloading the app you should review the app's terms and conditions at https://fabiosousaapps.wordpress.com/salario-liquido/

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.

Road Trip is the fastest and easiest app for tracking of your car’s fuel economy, maintenance history, and expenses.

Road Trip is a one-time purchase. There are no ads, subscriptions, or recurring fees. Your data is always private.

Remember to checkout Road Trip Lite and Road Trip HD for the iPad.
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"There’s a ton of MPG apps on the App Store but Road Trip is the best because of its amazingly dense summary screen and its best in class fuel entry screen."
— Jason D. O'Grady, zdnet.com

"The most comprehensive road travel app of them all, Road Trip allows you to track mileage, fuel prices, graph out trip expenses, and even export the data to CSV"
— Ben Parr, mashable.com

"The part we like the most is the cool graph that shows fuel costs and average mpg over time. And it lets you look at the cost per day to keep those wheels turning."
— Car and Driver Magazine
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Road Trip will…
• Track your fuel economy and fuel costs.
• Track your maintenance history.
• Track and compare your vacations and trip costs.
• Remind you when regular maintenance is due.
• Prevent expensive premature maintenance.
• Show you how much money you spend on your car.

FEATURES
• Mileage and fuel economy tracking.
• Service and repair log, with service reminders.
• Expense tracking.
• Trip tracking and reporting.
• Comprehensive statistics.
• Full international support (Metric, US, and Imperial units).
• Unlimited number of vehicles.
• Full screen, interactive graphs.
• Customizable Shortcuts
• Home Screen Quick Actions
• Siri voice integration

COMPREHENSIVE STATISTICS
• All key statistics and graphs on a single page.
• Cost per day, Cost per km, Moving Average.
• Maximum distance per tank.
• Monthly and Yearly distance and cost estimates.
• Vehicle depreciation statistics.

AUTOMATIC BACKUP AND SYNC
• Automatically sync between multiple of iOS device using Dropbox or iCloud.
• Automatically backup to Dropbox, including CSV files.

PRIVACY
• Your Road Trip data always remains private. We do not collect data from your iOS device, and we do not have access to the data you store in iCloud or Dropbox.

ADVANCED FEATURES
• Tripmeter or Odometer distance entry.
• Partial fill-ups, Same-day fill-ups, and Missed fill-ups.
• Currency Conversion.
• Geo-tagging and mapping.
• Searching and filtering.
• Jerrycan Fuel Tracking.
• Trip Cost Calculator.
• Distance-To-Empty Calculator.
• Tire log, including support for summer and winter tires.
• Distance correction for inaccurate odometers.
• Monthly and Yearly distance and cost estimates.
• Trip Computer Logging (fuel economy, average speed, temperature)
• Graphs for comparing MPG vs. Fuel Type, Driving Conditions, Average Speed, and Temperature.
• Odometer replacement.
• Vehicle purchase price and depreciation tracking.

• Import and Export CSV

• Electric vehicle tracking (in kW.h)
• Home electricity tracking (in kW.h)
• Motorboat tracking (in Hours)
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Lots more information and screen shots on the website:
https://darrensoft.ca/roadtrip/

Questions? Suggestions? We want to hear from you!
Email us: support@darrensoft.ca