Money Watch – Personal Finance Blog

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

CASH BACK FOR ALL

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

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

NO STRESS SAVINGS

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

ONE APP FOR YOUR FINANCES

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

SERIOUSLY SECURE

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

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

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

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

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

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

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

Take control of your money and tax with the HMRC app

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

UK's #1 app for active trading & long-term investing.* (75% of retail CFD accounts lose money when trading with this provider)
Access global financial markets commission-free and hassle-free.
Start with a free, lifetime practice account with virtual money.

Trading 212 Invest & ISA:

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

Trading 212 Cash ISA:

- 3.60% AER (variable tracker rate), earned daily, paid monthly;
- Flexible - withdraw anytime;
- Completely free - no account fees.

ISA accounts are provided by Trading 212 UK Ltd.


Trading 212 CFD:

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

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

Investments can fall and rise. You may get back less than you invested. Past performance is no guarantee of future results. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.


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


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


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


Trading 212 is the following companies:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Say hello to better credit, and better banking. Manage your credit card and stay on top of things 24/7, wherever you are with the Vanquis app. It’s fast, secure, and fuss-free. Like it should be.

You'll be able to:

• View your current balance and available spend
• Check your latest transactions including pending transactions and payments
• Set up and manage Direct Debits through the app
• Make payments to your account using a debit card
• View your pin number and your card details
• Approve online spending
• Update your address, phone numbers and email address
• Report your card as Lost or Stolen
• View and download monthly statements
• If eligible, check out our latest offers including Balance Transfers, Money Transfers and Credit Limit Increases

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

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

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

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

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

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

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

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

PayPal
2211 N 1st St San Jose, CA 95131

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


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

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

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

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

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

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

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

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

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

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

Legal bits

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

Visit Chase.co.uk for more info.

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

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

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

Now you don't even need to start the app to track silver prices and get notified on the silver moves. Packed with features, this makes the best real time silver price tracking system on the market. Welcome to the "Silver Price Watch".

This is not just an app, it is entire price tracking and notification system. Our app is backed by a powerful push notification server delivering user defined price alerts to your home screen, real-time prices to the badge and price information with the chart data directly to the widget.

FEATURES THAT WORK WITHOUT EVEN RUNNING THE APP:
● Price information and price chart using widget technology
● Price on the app badge trough push notifications
● Price change alerts on your home screen trough push notifications

FEATURES INSIDE THE APP:
● Real time price information
● Historical chats
● Custom alert editor
● Price conversion: currencies, ounces and kilograms (in progress)
● Market overview: commodities, currencies and stock indexes (in progress)
● Both orientations supported

REQUIREMENTS:
Supports all iOS Devices: iPhone, iPad and all iPod Touch devices!

Invo - Professional Invoice Generator

Transform your business with Invo, the ultimate invoice generator designed for freelancers, contractors, and small business owners. Create stunning, professional invoices in seconds with our intuitive interface and powerful features.

Key Features:

Professional Invoice Creation
• Create detailed invoices with multiple professional templates
• Add unlimited line items with automatic calculations
• Include tax calculations with customizable rates
• Add payment terms, notes, and business branding
• Generate unique invoice numbers automatically

Client Management
• Store and manage client information securely
• Track client history and payment status
• View client analytics and revenue insights
• Export client data for backup and analysis

Multiple Templates
• Modern Template: Clean, professional design with blue accent
• Minimal Template: Simple layout focusing on content
• Formal Template: Traditional business style with borders
• Customize colors and branding to match your business

Offline-First Design
• Works completely offline - no internet required
• All data stored locally on your device for maximum privacy
• No cloud storage or external servers
• Your data stays with you, always

Local Data Storage
• Secure SQLite database for reliable storage
• No account creation or login required
• Complete control over your business data

Analytics Dashboard
• Track revenue trends and business performance
• View monthly, quarterly, and yearly statistics
• Monitor paid vs pending invoices
• Analyze client performance and revenue

Export & Sharing
• Generate high-quality PDF invoices instantly
• Share via WhatsApp, email, or other apps
• Print invoices directly from the app
• Save PDFs to your device for archiving

Multi-Currency Support
• Automatic currency formatting and symbols
• Set default currency for your business
• Professional currency display on invoices

Dark & Light Themes
• Beautiful Material Design 3 interface
• Dark mode for comfortable night-time use
• Light mode for professional daytime work
• Automatic theme switching based on system

Privacy & Security
• Zero data collection - your information stays private
• No analytics or tracking
• No advertising or third-party sharing
• Complete data ownership and control

Perfect For:
• Freelancers and independent contractors
• Small business owners and entrepreneurs
• Service providers and consultants
• Retail shops and restaurants
• Professional services (lawyers, accountants, etc.)
• Artisans and craftsmen
• Beauty and wellness professionals

Why Choose Invo?

Speed & Efficiency
Create professional invoices in under 30 seconds. Our streamlined interface eliminates the complexity of traditional invoicing software.

Privacy First
Your business data never leaves your device. No cloud storage, no external servers, no data mining. Complete privacy and control.

Professional Results
Generate invoices that look like they came from expensive accounting software. Multiple templates ensure your brand looks professional.

Works Everywhere
No internet required. Create invoices on the go, in meetings, or anywhere you need them. Perfect for mobile professionals.

Cost Effective
No monthly subscriptions, no hidden fees, no feature limitations. One-time purchase for unlimited invoices and features.

Built for Real Businesses
Designed specifically for the needs of freelancers and small businesses. No unnecessary complexity, just powerful tools you actually use.

Getting Started:
1. Download and install Invo
2. Set up your business information (name, logo, contact details)
3. Add your first client
4. Create and send your first professional invoice

Support & Updates:
• Regular updates with new features and improvements
• Comprehensive help documentation
• Privacy policy and terms of service included
• Data export capabilities for backup

Transform your invoicing process today with Invo - the professional invoice generator that puts you in control.

Money Map Lite

A calm clear view of your savings.

Money Map helps you check in - not stress out.

What you can do
• Create savings pots with names that make sense to you
• See your total savings at a glance
• Organise pots using gentle, colour-themed icons
• Do a simple monthly check-in
• Add, edit, reorder, or delete pots anytime
• Keep everything stored privately on your device

Designed to feel different

Money Map isn’t a banking app. It doesn’t connect to your accounts, and it doesn’t judge how much you have.

It’s designed to feel
• Calm
• Simple
• Personal
• Low pressure

Just a clear snapshot of where things stand - when you choose to check in.

Your data stays with you

Money Map stores all data locally on your device.
No accounts. No sign-ups. No tracking.

Perfect for
• Anyone who wants a simple overview of their savings
• Families managing multiple pots
• People who find traditional finance apps overwhelming
• Those who prefer privacy and control

Support

If you need help, have feedback, or spot an issue, email us and we’ll get back to you as soon as we can.

support@tech-creative.co.uk

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

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

FEATURES:

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

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

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

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

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

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

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

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

PLUS subscription
- 1 Month of PLUS: $4.99

GOLD subscription
- 1 Month of GOLD: $9.99

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

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

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

*See App Support for further details

*** 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 ***
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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 ***
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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 ***
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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 ***
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"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!

Now you don't even need to start the app to track gold prices and get notified on the gold moves. Packed with features, this makes the best real time gold price tracking system on the market. Welcome to the "Gold Price".

This is not just an app, it is entire price tracking and notification system. Our app is backed by a powerful push notification server delivering user defined price alerts to your home screen, real-time prices to the badge and price information with the chart data directly to the widget.

FEATURES THAT WORK WITHOUT EVEN RUNNING THE APP:
● Price information and price chart using widget technology
● Price on the app badge through push notifications
● Price change alerts on your home screen through push notifications

FEATURES INSIDE THE APP:
● Real time price information
● Historical chats
● Custom alert editor
● Price conversion: currencies, ounces and kilograms (in progress)
● Market overview: commodities, currencies and stock indexes (in progress)
● Both orientations supported

REQUIREMENTS:
Supports all iOS Devices: iPhone, iPad and all iPod Touch devices and Apple Watch!

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.

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Feedback is always welcome: desk@almostantarctic.com

The app provides an easy to use system for tracking, organising, and exporting your fares & expenses. Enter fares & expenses as you go or from your worksheet, check your daily totals for cash, card, account or any other payment methods, and export details or totals for use in spreadsheets, word processors or other apps.

Entering details is quick & easy. Commonly used entries can be saved and their details recalled with a single tap. Entries can be tagged to make them easier to find.

Totals can be displayed by day, week, month or year. Subtotals are given for accounts and different payment types (cash, card, etc.).

Accounts can be set up in advance or created on the fly. All the fares for an account can be listed separately.

Payment methods can be set up to suit your working practices and adjusted as you like.

There’s a bulk delete feature for clearing out old records.

A full help system is included in the app.

Whether you're a business or leisure traveler, hopping from country to country is a breeze when you have Currency+ in your hands!  This Universal currency conversion application for the iPad/iPhone/iPod Touch shows you what you're paying instantly and is easy to use even when you have jet lag.

KEY FEATURES:
- Currency Calculator
- Apple Watch Support
- Today Widget
- Support For Over 150 World Currencies, Precious Metals & Bitcoin
- Historical Charts
- Trend Analysis
- Background Rate Updates & Currency Alerts
- Editable Calculator Tape
- Inverse Currency Calculations
- Transaction Fees or Taxes
- 100% Ad Free

What Makes Currency+ stand out from other Currency Apps?

Currency Calculator
When you are traveling in a different country, most of the time your focus will be on converting the local currency back to your home currency. The built in calculator lets you focus on two selected currencies on one screen. The built in calculator remains on the screen at all times making data entry quick and easy.

Apple Watch
Use Currency+ on the Apple Watch. See your favorites currency list and your Currency Alerts directly on the watch.

Today Widget
Use the Today Widget to quickly see the conversion rates between all your favorite currencies. Tap the rate to reverse the conversion. Tap any of the currencies on the list to set as the base currency.

Support For Over 150 World Currencies & Precious Metals
For times where you want to keep track of many currencies at one time, the favorites list is where you need to go. You pick from over150 world currencies and precious metals (powered by Yahoo.com). Selecting any currency in your list, enter a value and the rest of the currencies in your list will show you that amount in their own currency in real time.

Historical Charts
Currency+ has historical charts. You can view historical currency conversion charts for any two currencies. Touch the chart with a single finger to see data from any period in the past. Touch the chart with two fingers to compare currency exchange rates from any two past periods. Show charts for 1 day (real time intraday), 5day, 3 month, 6 month, 1 year, 2 years and 5 years.

Currency Trends
With Trends, you can select any of the 150+ world currencies and compare it to a list of other currencies to see how it has performed over time. See if your currency has strengthened or weakened. Select your time period from days to years. Export your work to an email, text, note, etc using the trend share sheet.

Background Rate Updates & Currency Alerts
Currency+ will go out and update your currency rates without taking your device out of your pocket. Whenever you open Currency+, your data will always be up to date. Do you want to be notified when a currency goes above or below a certain value? If so, Currency+ can notify you of these changes without the need to open the app. You will receive a push notification on your device whenever the currency you are watching goes beyond the limit you set.

Editable Calculator Tape
Currency+ has an integrated calculator tape that keeps track of everything that you do. You can send any value from the tap to any of your favorite currencies. You can edit/delete/insert tape values and your calculations will automatically update. Finally, you can put comments on any of your tape values to help you keep track of what your numbers stand for.

Inverse Currency Calculations
Need to do inverse or reverse currency calculations? Currency+ can switch between standard and inverse currency conversion modes on the fly.

Transaction Fees or Taxes
Currency+ can factor in transaction fees (or tax) automatically. Individuals rarely convert money at published exchange rates - most banks and exchange offices charge a fee. Enter the transaction fee percentage to give you a better estimate of your 'real' conversion rates.

Make the leap with Jump Gap Software's Currency+, the currency converter that takes you around the world and back.

Meet the next generation of your favorite financial calculator. The official HP 12c app, now brings a completely redesigned interface, a modern look, and improved functionality—while preserving the precision and reliability trusted by professionals for decades.

Built for everyday use in business, banking, real estate, and education, the new HP 12c brings a timeless classic into the modern era.

The HP 12c You Know – Now Better Than Ever
• Official emulator of legendary calculator device by Hewlett-Packard
• Identical algorithms, layout, and keystrokes as the original HP 12c
• RPN (Reverse Polish Notation) for fast and efficient input
• Built-in financial tools: loan payments, TVM, NPV, IRR, cash flows, bonds, and more

Be Ready. Anywhere. Anytime.
Whether you’re in class, at the office, or on the go, HP 12c is ready when you are. Just launch the app on your iPhone and get to work.

Download HP 12c today and experience the perfect blend of classic functionality and modern design.