Top Personal Finance Apps for iPhone & iPad

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

Free Apps

Rank App Details
1

PayPal

TAP INTO YOUR MONEY
Send money instantly almost anywhere in the world. Manage all the ways you send, spend and receive money at a glance.

SEND PAYMENTS IN SECONDS
Send money to PayPal users in over 100 countries using just their mobile number or email address. They can spend the money online or withdraw it with just a tap. And there are no PayPal fees when you send money in GBP to friends in the UK from your bank account, debit card or PayPal balance.

GET PAID WITH EASE
Send someone a money request, and let them pay you back with just a tap. Whether you’re collecting money for a group gift or something you sold online, we make it easy for them and even easier for you.

STAY ON TOP OF IT ALL
Every time you send, spend or receive money with PayPal, the app notifies you to help you keep track of it all. Whenever you pay with PayPal - using PayPal Credit, PayPal balance, your bank account or card - you can manage it all in our app.

If you are viewing this page from outside of the UK, some of the features described may not be available to you in the app.
2

Barclays Mobile Banking

Barclays Mobile Banking app



HOW TO REGISTER
If you’re 16 or over and you have a UK-registered mobile number and a Barclays current account, follow the onscreen instructions. You’ll need your sort code and account number and you’ll need to verify your identity with PINsentry or at a Barclays cash machine.

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

After you’re set up, you’ll only need your 5-digit passcode to log in.

If you only have a Barclaycard account you can’t register for this app but you can register for the MyBarclaycard app.

THE BENEFITS
• Manage your personal, business and corporate accounts, including your Barclaycard accounts, and view your Barclays mortgage account
• See recent transactions and check your balances
• Make payments to new and existing payees, transfer money between accounts or transfer a balance to your Barclaycard
• Delete Direct Debits
• Set up, edit and delete standing orders using your app
• Join Barclays Blue Rewards and earn rewards just for banking with us
• Store your documents securely with Barclays Cloud It
• Find your nearest branch or cash machine
• Use Mobile PINsentry. It’ll take up to 10 days for this feature to be activated in the app while we complete some security checks,
• Call us straight from the app to speak to an adviser
• Our iPhone app has been accredited by AbilityNet – the charity that assesses digital services for accessibility

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

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

Copyright © Barclays 2014. All rights reserved. Barclays Mobile Banking is a trademark of Barclays Bank PLC.
This app is provided by Barclays Bank PLC although you may have contracted for banking services with another legal entity within the Barclays Group. Please refer to your bank documentation (terms and conditions, statements, etc) to confirm the legal entity that provides banking services to you.
Barclays Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register no.122702). Barclays Bank PLC is registered in England. Registered no.1026167.
3

NatWest

Named ‘Best Banking App 2017’ by the British Banking Awards, download NatWest’s award winning mobile app, available to our online banking customers. Our simple and secure app includes features to help you manage your money – from checking your balance through to making international payments.

How to Register & Eligibility
The NatWest Mobile Banking app is available to NatWest Personal and Business customers with Online Banking, who are over 11 and have a UK or international mobile number.

Once you’ve downloaded the app, registering is simple. All you need to hand is your Online Banking customer number, PIN and password to get access straight away.

Not registered for Online Banking or forgotten your customer number? Get a reminder or sign up at natwest.com/online.

Features
Using the app
•Login using Touch ID
•Use your Apple Watch to view your balances and transactions
•Use 3D Touch to access features from your home screen
•Hide your balance, reorder your accounts or edit the names of your accounts to personalise your banking experience.
•View your Customer Number – this is the number we use to identify you when you log in to Online Banking and for authentication when you call us

Managing your money
•Check your balances, transactions and transfer money between your NatWest accounts
•If you have registered for MyRewards (NatWest.com/MyRewards) you can check your pending and available Rewards balance

Payments
•Manage Direct Debits and standing orders
•Transfer up to £250 to any UK account
•Make payments to international accounts you have previously set us using Online Banking
•Make bill payments by searching for approved utility and service providers when entering a payee name
•Pay Your Contacts who use the app or have a mobile number which is registered for the Paym service
•Share a confirmation after sending a payment or setting up a Standing Order

Get Cash
•Get Cash at any NatWest or Tesco cash machine using your app or Apple Watch when you don’t have your debit card
•Use Near Me to find your nearest cash machine or local branch

Other things you need to know
•We are proud to be the first bank in the UK to offer a RNIB Approved App for use by blind and partially sighted customers

•Get Cash lets you take out up to £130 per day from our UK cash machines, when you have at least £10 available in your account. There is a maximum limit of two Get Cash withdrawals every 24 hours

•Pay Your Contacts allows you to pay anyone who has this app or is registered for Paym up to £250 using their UK mobile number. To use Pay Your Contacts customers must be over 16 and have available funds in their account, limits are independent of daily withdrawal and Get Cash limits

•Register for the Paym service in the More menu

•Standard data charges may apply – contact your network operator for details

•By downloading this application, you are accepting the terms and conditions which can be viewed at natwest.com/mobileterms. We recommend that you save or print a copy of the terms and conditions and privacy policy for your records

To enjoy all of the features listed you will need to accept the following permissions:
- Network communication for connectivity
- Your location to find your nearest cash machine or branch
- Access to your contact list to allow you to ‘Pay Your Contacts’

For more information visit NatWest.com/mobile or contact our Mobile App support staff on 0345 366 0012 8am to 6pm Monday to Saturday.

Get the NatWest app, named ‘Best Banking App 2017’ & see what the buzz is about
4

Lloyds Bank Mobile Banking

Rated top Mobile Banking service by Forrester in 2017 UK Mobile Banking Benchmark.

When it’s hard to find a moment for those small but important jobs, our app is here to help. It can do everything you’d expect, maybe even more. It’s fast, convenient and more secure than ever, with built-in security technology to keep your banking details safe and private.

And since you’ve usually got your mobile on you, it’s the handiest way to do your everyday banking.

- Log on quickly and securely with Touch ID*, Face ID** or a 3-character combination from your memorable information
- Check your balances and pending payments
- Get more information on individual transactions
- Transfer money between accounts, and make UK and international payments
- Make payments to your loan or credit card bill
- Apply for loans, savings, cards and more
- Tell us when you’re going abroad
- Easily report lost or stolen cards and order replacements
- Reset your Internet Banking password
- Update the phone number and email we have for you
- Call us quickly and safely from the app – we’ll already know it’s you so can connect you without the usual security checks.

GETTING STARTED
New to this app? Getting started is quick and easy. First you’ll need to set it up by registering your device using:
- An up-to-date phone number registered with us
- Lloyds Bank UK personal, Islands personal or sterling international account (you can create these in the app)
- Internet Banking user ID, password and memorable information.

KEEPING YOU SAFE ONLINE
We use the latest online security measures to protect your money, your personal information and your privacy. This includes preventing connections from the app on devices that we think have been tampered with. As a Mobile Banking customer, you automatically benefit from our online and mobile banking guarantee: http://www.lloydsbank.com/security.asp

CONTACTING YOU
We won't contact you any more than normal if you use the app. But please stay alert to email, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. We'll never contact you to ask for these details. Any emails from us will always greet you personally using your title and surname and either the last 4 digits of your account number or the last part of your postcode '*** 1AB'. Any text messages we send you will come from LLOYDSBANK.

IMPORTANT INFORMATION
Mobile Banking is available to our UK personal (and some Channel Islands, Isle of Man and WorldWide Service) Internet Banking customers. Services may be affected by phone signal and functionality. Terms and conditions apply.

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

* Touch ID requires at least iPhone 5s running iOS 9.0 or above.
** Face ID requires iPhone X or later models.

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

The UK Branch / ATM finder uses location-based services. We, LINK Scheme, Google and / or Apple may use GPS signals and other data from your device (such as your mobile ID) to get your location.

Apple, the Apple logo and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

This app is designed for use on mobile phones and may not be compatible with other devices, such as tablets.

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.
5

Halifax Mobile Banking

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

It’s also been given a WCAG 2.0 AA rating by the accessibility auditors. Which in plain English means we’re doing a bit extra for our customers with disabilities too.

THE BASICS
- Sign in quickly and securely with Touch ID*, Face ID** or a 3-character combination from your memorable information
- Swipe easily to see balances and statements
- View details of individual transactions
- Check money coming in and going out
- Make transfers and payments (it’s so easy)
- Manage your standing orders and view direct debits
- Pay your loan or credit card bill
- Set up new recipients or pay your phone contacts.

A FEW EXTRAS
- Going abroad? Tell us with the app so there’s no worries when you use your card abroad.
- Cards lost or stolen? Panic over: just cancel and replace them with the app.
- Earn as you spend with Cashback Extras.
- Apply for loans, savings, cards and more
- Call us quickly and safely from the app – we’ll already know it’s you so can connect you without the usual security checks.

STAY SAFE
- Reset your Online Banking password
- Update the phone number and email address we have for you.

GETTING STARTED
New to this app? You’ll need to set it up by registering your device first. You’ll need:
- An up-to-date phone number registered with us
- Halifax UK personal account
- Online Banking username, password and memorable information (you can create these in the app).

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

CONTACTING YOU
We won't contact you any more than normal if you use the app. But please stay alert to email, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. We'll never contact you to ask for these details. Any emails from us will always greet you personally using your title and surname and either the last 4 digits of your account number or the last part of your postcode '*** 1AB'. Any text messages we send you will come from Halifax.

IMPORTANT INFORMATION
Mobile Banking is available to our Online Banking customers with a UK personal account. Services may be affected by phone signal and functionality. Terms and conditions apply.

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

* Touch ID requires at least iPhone 5s running iOS 9.0 or above.
** Face ID requires iPhone X or later models.

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

The UK Branch / ATM finder uses location-based services. We, LINK Scheme, Google and / or Apple may use GPS signals and other data from your device (such as your mobile ID) to get your location.

Apple, the Apple logo and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

This app is designed for use on mobile phones and may not be compatible with other devices, such as tablets.

Halifax is a division of Bank of Scotland plc. This app and Mobile Banking are operated by Bank of Scotland plc (registered in Scotland (No. SC327000) Registered office: The Mound, Edinburgh, EH1 1YZ). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
6

Nationwide Mobile Banking

Stay in control of your finances at your convenience with our handy Mobile Banking app. To get started, all you need are your existing Internet Bank details. If you’re not already registered, it won’t take long - you can do this via our website.

**Features**

Manage your money
• Log in with Touch ID or Face ID* – Fast, simple & secure access to your accounts
• Transaction history – View the last 15 months activity on your Current, Credit Card and Savings accounts plus 24 months of your mortgage payments
• Search transactions – Helps you track down a particular payment quickly and easily
• Payments and transfers – Send money to existing payees, now or on a future date
• Manage payments – View and cancel regular payments/Direct Debits
• Pay a contact using their mobile number – Send and receive money via Paym with just a mobile number
• Cash flow bars – Your monthly spending habits made simple and visual
• Quick Balance – See your balance without the need to log in before you splash out
• Apple Watch compatible – Check your balances with just a flick of your wrist

Become a super saver
• Create Savings Goals – Stay motivated (and on track) as you watch your savings grow
• Impulse Saver – Quickly save without logging in, making it even easier to put some money away for a rainy day
• Your savings interest rate – See what you’re getting back for what you’re putting away

Customise your accounts from your device
• Text alerts and paperless settings – Sign up or amend your text alerts and cancel paper statements if you don’t really need them
• Manage your overdraft – Increase/decrease your overdraft limit
• Apply for something new – Apply for a broad range of Nationwide accounts

*device and operating system compatibility requirements apply
7

Personal Banking

If you’re new to our Mobile Banking app and using an iPhone take a look at our tutorial showing you the new functions and how to make the most of them.

Wherever life takes you, stay in control of your accounts 24/7 with our Mobile Banking app. Manage your current accounts, savings accounts and credit cards securely and easily, anywhere you can connect to the internet. Simply log on with your existing Online Banking details. If you don’t have any log on details, just download the app to sign up.

You can:
•check your account balances
•transfer money between your accounts
•see up to 4 years of transactions
•set up new payees and make payments (setting up new payee is available on iPhone only)
•set up, view, amend and cancel standing orders (available on iPhone only)
•view and cancel your Direct Debits (available on iPhone only)
•use mobile-to-mobile payments (Paym) to send payments securely using only a mobile number
•choose voucher-less offers with Retailer Offers to spend using any of your Santander debit or credit cards
•set up alerts for when your balance goes over, or drops below, a certain amount
•find your nearest Santander branch in an instant and get driving or walking directions
•sign up for Online and Mobile Banking (available on iPhone only)
•request to reset your existing log on details (available on iPhone only).

With Retailer Offers, you could earn up to 15% cashback when you shop at your favourite stores, with no need for vouchers or codes. Once you’ve chosen your offers, simply spend on any of your Santander credit or debit cards to qualify. Switch on this service in ‘My Offers’ in Mobile Banking to start earning today.

All interest rates within our App Store images are for visual purposes only and may not be indicative of our actual rates.

(English language only)

Santander UK plc Web Site
Santander UK Support Application Licence Agreement
Please make sure you have the latest Apple software on your phone so that our app runs smoothly.

Apple, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Santander and the flame logo are registered trademarks.
8

HSBC UK Mobile Banking

Welcome to your brand new HSBC UK Mobile Banking app!

Designed especially for our UK customers, the app has been rebuilt to be fast, secure and will get more new features, more often.

Manage your money on the go with HSBC. You can also now pay someone new using the app. • Everyday banking made simple • Your accounts at a glance • Pay someone new on the go • Fast and secure logon • Send money safely from anywhere.

If you have HSBC accounts outside of the UK, please also download the HSBC Mobile Banking app to manage your global accounts.

HSBC is committed to providing digital applications that are accessible to all its customers. We take this responsibility very seriously; accessibility will continue to be a major consideration as we develop the app, and improvements will be delivered in future updates.
9

HSBC Mobile Banking

Manage your money on the move and around the clock with this secure Personal Banking app from HSBC for iPhone, iPad and iPod touch. With more updates and features on the way you can:

• Log on around the world
• View your account balances and transaction history
• Move money

Exact features depend on the HSBC services available in your country.

To log on to this app you must be an HSBC Personal Internet Banking customer. If you are not yet registered, please visit your local HSBC website.

• HSBC helps protect your information by using 128-bit SSL encryption technology when you are logged on.
• Data charges from your mobile service provider may apply.

To find out more about the app including details of permissions requested please see http://hsbc.mobi

Hong Kong account functions have moved into the new HSBC HK Mobile Banking app.
10

My Argos Card

Manage your Argos Card account in your hand, with the My Argos Card App. Make payments without moving from your couch or access your credit plans while you’re out and about.

What can you do:
- Securely log in with the touch of a finger or a simple 4 number passcode
- Manage your account in one easy place
- Keep track of your recent transactions
- Store a debit card for faster and easier payments every time
- Set up payment reminders
- Personalise your credit plans
- Discover your personalised Benefits for exclusive offers
- Request to update your credit limit*

To register on the App all you need is your Argos Card and a spare minute or two!

Don’t worry if you don’t have an Argos Card yet – you can apply for the UK’s largest store card on the website at www.argos.co.uk/argoscard

We value your feedback and reviews, so if you’re loving using the App then please give us a rating!

*subject to account status


Rank App Details
1

UK Tax Tool

A premium UK Salary Tax Calculator which includes a free Tax Rates Reference Guide and VAT Calculator.

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!

Also, in addition to the latest 2016/17 and 2017/18 tax years, Tax Tool can calculate all the way back to 2009.


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.


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 2017/18, 2016/17, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 10 & iOS 11, and the iPhone X.

Optional Settings available:
• Scottish tax (SRIT)
• Tax Codes - recognises L, S, M, N, K, T, P, Y, BR, D0, D1, NT, 0T, M1 and W1 codes
• 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 (Pre Sept 2012 and Post Sept 2012 schemes supported)
• Overtime and Bonuses (as a percentage or fixed amount)
• 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.
2

DataMan Next

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

watchOS 4 App. Designed for your wrist to quickly show your most important stats in Complication and Dock.

Data Widget. Instantly check your usage at any point from any screen. Just swipe to view the glanceable widget for iOS 11.

Smart Forecast. The advanced Forecast predicts if you'll stay within your data cap. And tells you in brilliant colors.

Real-Time Hourly Stats. Your latest statistics are retrieved directly and immediately from iOS. No more waiting for your carrier to update.

Export Usage Stats. You can export detailed statistics of your usage into a file so you can import it for viewing on your computer.

Beautiful Design. Simply gives the key stats you need most in an incredibly clean interface. It's so easy to track your data usage.

Additional features include:
・ Track cellular (LTE/4G/3G) and Wi-Fi
・ Monitor activities with Stopwatch widget
・ Compatible with all billing periods
・ Support Rollover / Carryover data
・ View hourly and daily history
・ Auto reset on bill cycle date
・ Four custom alert thresholds
・ Work with all carriers
・ Private and Secure - no VPN, no login

"Simplest and clearest" NYTimes
"The widget you should be using" Business Insider
"We like the easy-to-use DataMan" TIME
"Download this great app right now" BGR
"Superpretty, superuseful" Cult of Mac
"Handy money-saver with colorful alerts" Guardian
Featured on USAToday, Macworld, 9to5Mac, AppAdvice, SlashGear and many more.
3

Crypto Pro: Bitcoin Ticker

Cryptocurrency ticker, news, alerts and portfolio with support for all traded (1000+) cryptocurrencies and tokens.

TODAY WIDGET:
- displays 2-10 favorite cryptocurrencies
- updates every time you view the widget
- can also display portfolio overview

APPLE WATCH:
- displays 4-20 favorite cryptocurrencies
- customizable complications for every watch face
- complications update every 20-30 minutes
- price history graphs for last 24 hours
- QR code request (BTC, LTC, DOGE)
- currency conversion calculator

IPHONE & IPAD APP:
- dark and light mode
- iCloud sync & backup
- customizable price alerts
- news section for every coin
- currency conversion calculator
- FaceID, TouchID or passcode lock
- portfolio with gain/loss calculation
- customizable list of favorite coins
- compare prices across exchanges
- price & volume history graphs
- resizable font size (dynamic type)
- support for Peek & Pop and 3D Touch
- customizable app icons (only on iOS 10.3+)
- support for horizontal mode on iPhone Plus
- rich notifications (3D Touch to show graph)

Supported exchanges:
Coinbase, Kraken, Poloniex, Bitfinex, Gemini, Bittrex, Quoine, OKCoin, Bitstamp, GDAX, Qryptos, Bithumb, Bitsquare, BitFlyer, CEX.IO, Huobi, BTC China
- new are added on demand

Supported currencies:
- all fiat currencies (USD, GBP, EUR, ..)
- metals (gold, silver, platinum, palladium)
- all traded crypto currencies and tokens
- new are added as soon as they appear on exchanges
4

Pennies – Budget and Expenses

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

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

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


••• MAIN FEATURES •••

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

Check out Pennies in action: http://www.getpennies.com
Follow Pennies on Twitter – https://twitter.com/PenniesApp
Contact me – hello@getpennies.com
5

Money - Budget & Finance

Get your finances on track with the gorgeous new Money! Your day-to-day finance management will no longer be a chore with the beautiful and comprehensive suite of powerful features that is Money!

Oversee and control your accounts, plan budgets, easily generate informative reports, and schedule transactions - everything will be updated across your devices via iCloud. Money fits right in with the latest Macs, iPads, or iPhones adopting all of the cutting-edge features and presents them in a sleek and intuitive interface.

Feature overview:

Convenient income and expense tracking
• Multiple account types (bank, cash, credit card, loan, investment, etc.)
• Support for multiple currencies with automatic rate updates
• Reconciliation of accounts and individual transactions
• Automated payee and category discovery using Foursquare
• Transfer and split payments
• Easily assign tags, take notes, and add attachments

Easy budget planning
• Advanced budget categories with custom periods
• Amount averages to help set realistic budget limits
• Easy progress tracking of budget categories
• Nothing gets past you - unbudgeted items are also accounted for
• Easily track budget by accounts, transfers, tags

Smart scheduler
• User-friendly planning of income, expenses, and transfers
• Easy handling of recurring transactions such as utility bills or loan payments
• Quick access to pending scheduled transactions
• One-click payment capability
• Convenient calendar view for improved usability

Rich reports
• 15 different report types
• Super-easy and powerful parameters to customize reports
• Beautiful visual representation of data using colorful charts and graphs
• Various report sharing capabilities

Investment tracking
• Easy profit/loss tracking for your portfolio or individual stocks
• Automated downloads of dividends and splits
• Constantly updated values
• Visual representation of current and historic values of portfolio and individual stocks
• User-friendly addition and management of stocks
• Automatic discovery of stock data using Yahoo! Finance

iCloud
• Simple and intuitive setup
• Secure data synchronization between devices
• Extra layer of security in case of device loss

Future-proofing
• Modern UI
• 64-bit architecture
• 3D Touch support
• Touch ID
• Notification Center Widget
• Split-screen multitasking on macOS and iOS
• Direct Downloads (coming soon!)
6

UK Stamp Duty Calculator 2017

Quickly calculate the rates for UK Stamp Duty with this simple app.

- Option for second home or buy to let
- Residential & Non-Residential
- Freehold & Leasehold
- View detailed working out of the calculations made
- Buttons to quickly add or subtract increments of £10k from the purchase price
7

Meter Readings

SALE - 50% OFF!

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

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

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

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

For UK users, you can also compare your usage and costs against energy supplier prices in your area to see if you can SAVE EVEN MORE money. You can even switch suppliers directly from your device!

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

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

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

PRICE COMPARISON (UK only)
- Compare your usage and costs against energy supplier prices for your postcode
- Completely independent tariff calculator from Energylinx, the UK's number 1 guide to utility prices
- Switch energy suppliers directly on your device, or email yourself a link to do it on a computer

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

SUPPORT
Please don't leave support requests on iTunes as these are anonymous and I have no way of contacting you if I have questions. Instead there is a link to my support page from iTunes and from the app itself (or simply go to http://grahamhaley.co.uk/meters/).

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

HomeBudget with Sync

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.
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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).
9

Settle Up - Group Expenses

Are you a group of friends, co-workers or roommates who occasionally share expenses? Settle Up keeps a running tab between you and your friends and you will never have to fight over shared bills again.

Track and share expenses in this most intuitive and fun finance app.


Features:

- cloud sync! (but also works fully offline)
- user friendly interface
- focus on user experience
- stylish flat graphics
- save locally snapshot of a bill and send it to group members by email
- even and uneven split for payments
- support multiple currencies in the same group - you can always make payment in any currency you want
- all world currencies available including currency manager
- show debts in one currency
- automatically download currency rates from internet - manual set also available
- translated to 17 languages
- integrated contacts from your iPhone
- possibility to have multiple groups and switch between them
- the app will show you who owes what to whom - proposal of transactions to settle debts
- transaction tolerance - helps to eliminate transactions of small value by rounding off the amount according to your settings
- lower number of required transactions to settle debts among a group of friends
- settle up debts
- payment Log

Feel free to contact us at settle-up-ios@googlegroups.com if you have any problem or question.
10

My Money 2017

An accounts book should be clear and easy to use, otherwise you quickly grow tired of using it and lose sight of your financial situation. This app helps you stay on top of your income and expenses, making it easy to manage your money.

Do you want an easy way to keep track of your income and expenses? Do you want to have a long-term overview of your accounts? Do you want to get meaningful statistics based on individually selected criteria (main and sub-categories, payment method, people and groups)? Do you want to know where you are spending too much and where you can save money? Do you want to print data from the app or transfer it to other programmes (e.g. Excel, Numbers ...)? Do you want to import your bank data? Do you want to back-up your data securely in the Cloud? Do you want a simple, powerful and low-priced universal app? Then this app is exactly right for you.

Take a look at our specifications:

GENERAL

• Optimized for iPhone 8 (Plus) and iOS11
• Use Quick Actions to create new entries (expenses, earnings and rebookings) using the Homescreen.
• The App will be delivered with a Widget for quick access
• Password protection via pin code and Touch ID
• Back up your encrypted data in the iCloud
• Simply transfer all your data to another iOS device using iCloud.
• Export and import your encrypted back-up files via iTunes
• Start your financial month on any date (e.g. on the 5th of each month)
• Extensive user settings

ACCOUNTS

• Unlimited number of accounts (credit card, current account, savings account, etc.)
• Support for different currencies
• Define a starting account balance

TRANSACTIONS

• Income, expenses and transactions between different accounts
• Entries auto-complete
• Organise your entries based on freely editable main and sub-categories, payment methods, people and groups
• Manage freely editable templates
• Repeating entries (weekly, monthly, ...) are created once and then added automatically
• Identify entries (marked or cleared)

BUDGETING

• Create regular or one-off budgets for any period of time, accounts, payment methods, categories, people and groups
• Easy to configure - extremely flexible
• Entries are automatically linked to the right budget
• Incorporating income, expenses and transfers
• Carry over the remaining amount from the previous time period
• Overspending warning

REPORTS

• Comprehensive statistics and charts
• Both monthly and daily overviews available (including carry-over from following months)
• Extensive search and filter options
• Print all data directly from the app via AirPrint

EXPORT

• Editable export of files to the following target formats: Excel/Numbers, CSV and HTML
• Access the exported file via iTunes or via e-mail

IMPORT

• Import your bank statements from a CSV file. Either via iTunes or directly via Email Attachment.

If you bank is not supported, please send us an e-mail containing the name of the bank and an example CSV file. Please hide any personal information without changing the formatting of the file. You can find a current list of supported banks and apps on our homepage.

FURTHER DEVELOPMENT

In case of problems or errors please visit our homepage (http://www.onetwoapps.com). Here you will surely find help. In addition, you can observe the current status of advancement. We are continuously working on the app and of course also fixing bugs. Many of the requests and suggestions from our users are incorporated into various updates.

Also try the iPad version and visit our homepage or the app store. We are looking forward to seeing you there.

FEEDBACK & SUPPORT

Questions, criticism, or suggestions? Simply send us an email. You can leave us a message on our feedback page and to discuss with other users. We are pleased about every message and are glad to help.

Rankings are taken directly from iTunes.