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: Mobile Cash

The improved PayPal mobile app is the secure way to send, receive, and access your money from almost anywhere.

With our improved app, you'll get the convenience you want, paired with the secure transactions you've come to trust from PayPal. Plus, there are no transaction fees when sending money to Friends and Family in the U.S. when you use your bank account or balance.

HELP KEEP YOUR FINANCIAL INFORMATION PRIVATE AND PROTECTED
You can get peace of mind you deserve with:
24/7 transaction monitoring
Secure encryption technology
Fraud protection
Fingerprint and two-factor authentication (activation required)

SEND MONEY TO FRIENDS AND FAMILY FOR FREE
It’s free to send money to Friends and Family in the U.S. using your bank account or PayPal balance. Settle up for your share of the bill, send a loved one the gift of money, or request money from a
friend with ease.

PAY FOR GOODS AND SERVICES WITH CONFIDENCE
Sending money to someone you don't know? With PayPal, you can send it with confidence. When selecting Goods & Services, your eligible send money transactions can be protected by Purchase Protection. Terms and Limitations apply. And, if the recipient doesn't have a PayPal account, can open one easily for free.

ACCESS YOUR BALANCE INSTANTLY WITH THE PAYPAL CASH CARD
Easily transfer funds from your bank to your PayPal account and access your balance with the PayPal Cash Card. Shop in-store, online or anywhere Mastercard is accepted. Plus, withdraw your PayPal funds at ATMs worldwide.

SEND MONEY TO PAYPAL ACCOUNTS AROUND THE WORLD*
We make it easy to send money internationally. Choose from a range of currencies to help maximize the value of your dollar with our competitive fees. Sender and recipient must have a PayPal account.
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.

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 4 days for this feature to be activated in the app while we complete some security checks
• Call us straight from the app to speak to an adviser
• Our iPhone app has been accredited by AbilityNet – the charity that assesses digital services for accessibility

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

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

Copyright © Barclays 2018. Barclays is a registered trade mark of Barclays plc, used under licence.

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

Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 122702).
Registered in England. Registered no. 1026167 Registered Office: 1 Churchill Place, London E14 5HP.
3

Lloyds Bank Mobile Banking

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 your fingerprint *, facial recognition** 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
- Pay your loan or credit card bill
- Pay in cheques
- Apply for loans, savings, cards and more
- 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
- Internet Banking user ID, password and memorable information (you can create these in the app).

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 con ditions apply.

* Fingerprint logon requires at least iPhone 5s running iOS 10.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models).
** Facial recognition requires iPhone X.

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

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

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

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.

Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.
4

NatWest Mobile Banking

Winner of the ‘Best Banking App’ at the British Bank Awards for 2017 and 2018, our award winning app is available to download for our Online Banking customers.

What you need to register
• You’ll need to be registered for Online Banking
• Your Customer Number, which is your date of birth followed by four random digits
• Your Online Banking PIN & password, which is what you use to log in online
• When logging in for the first time you’ll be asked to choose a mobile banking PIN, which is what you’ll use in the future

Key Features
• Log in using Touch ID or Face ID – there’s no need to remember any details when logging in. Available on a compatible iPhone or iPad.

• Personalised greeting – customise how your app greets you when you log in, morning, day or evening.

• Get Cash – visit a cash machine and withdraw up to £130 without your debit card – perfect if you’ve forgotten your wallet.

• Pay someone new without a card reader – all you need is their account number and sort code and you can send up to £250.

• Manage receipts – designed specifically for Business customers, capture images of your receipts and organise them by date or type.

Other important information about our app
• Get Cash allows you to withdraw up to £130 every 24 hours at any NatWest, Royal Bank of Scotland (in Scotland) or Tesco ATM, as long as it’s within your daily withdrawal limit. You must have at least £10 available in your account.
• Paying someone new without a card reader allows a maximum of five payments totalling £250 per day. You must be aged 16 or over.
• Paying your contacts allows a maximum of 20 payments totalling £250 per day. Pay anyone who has our app or is registered for Paym. You must be aged 16 or over.
• To cancel a Direct Debit from within the app, you have until 8:20pm (UK time) on the day the payment is due. At or after 8:20pm (UK time), the payment due on that day will have been taken and we will not be able to retrieve it.
• To cancel or amend a standing order from within the app you must give at least two working days notice.
• You can create one Travel Plan at a time, for a maximum period of 90 days, that includes up to seven countries. Each country needs to be registered separately. The Travel Plan will apply to debit cards only, attached to accounts that are managed via mobile banking, and only in your name. Joint account holders should register separately.
• Managing your receipts is available to Business Banking customers only.
• Standard data charges may apply – contact your network operator for details.

To enjoy all of the features that our app offers, 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 contacts list to allow you to Pay Your Contacts

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.
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 your fingerprint*, facial recognition** 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
- Pay in cheques
- Set up new payees or pay your phone contacts.

A FEW EXTRAS
- 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.

* Fingerprint sign-in requires at least iPhone 5s running iOS 10.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models).
** Facial recognition requires iPhone X.

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

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

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

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.

Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.
6

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.
7

Nationwide Mobile Banking

Stay in control of your finances at your convenience with our handy Mobile Banking App. To get started, all you need to do is download the app.

**Features**

Manage your money
• Set up and pay a new payee*
• See pending transactions for your current account(s)
• Report your debit and credit cards as lost or stolen
• Complete a balance transfer to your Nationwide credit card*
• 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
• Apple Watch compatible – Check your balances with just a flick of your wrist
• View your customer number and the contact details we have on file for you

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
• Increase or decrease your credit card limit
• 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

*You'll need your card reader for added security
**Device and operating system compatibility requirements apply
8

Santander Mobile Banking

Use Touch ID, Face ID or your security details to quickly and safely access your Santander accounts in one place. Pay your bills, your friends and your mobile contacts with ease.

Manage your accounts
•See your running account balances and 7 years’ worth of transactions
•Check pending transactions for your Credit Card
•Information about your ISA, savings accounts, bonds and investments helps you make the most of your money

Quick, easy payments
•Move money between your Santander accounts, or pay somebody else
•Pay somebody using just their mobile phone number through Paym
•Manage your Direct Debits and standing orders

Your money, your way
•Choose your Retailer Offers and get cashback at top retailers, just by spending on your Santander credit or debit card
•View alerts you’ve set up to help keep you informed

BEFORE YOU START
You’ll need to make sure that we know your current UK mobile number, so that we can send you One Time Passcodes. Once that’s done, it takes just a few minutes to get started with Mobile Banking.

•open the app and enter your Online Banking log on details
•we’ll send you a One Time Passcode (OTP) by text message
•enter the code into the app and we’ll register your device
•we’ll then ask if you want to set up Touch ID or Face ID to log on.
And that’s it, you’re in!

IMPORTANT INFORMATION

Never share a One Time Passcode (OTP) with another person. Not even a Santander employee.
Never download software or let anyone log on to your computer or devices remotely following or during a cold call.
Never enter your Online Banking details after clicking on a link in an email or text message.

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

(English language only)

Santander Mobile Banking will not run on devices that have been jailbroken.

Please make sure you have the latest Apple software on your phone so that our app runs smoothly. Your device will need to be running iOS version 9.0 or above in order to use this app. If you are unable to update to this version, please log on to Santander Online Banking to access your accounts.

Apple, Touch ID and Face ID are trademarks of Apple Inc. registered in the US and other countries.

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. Santander and the flame logo are registered trademarks.
9

Monzo Bank

Monzo makes money work for everyone.

Instant spending updates. Smart budgeting. Great rates abroad.

We’re a bank, but we’re trying not to think like one. Open an account with us in minutes, and start getting to know your money better.

We’ve been busy for the last few years building the best current account in the world. Now more than 1,000,000 people use Monzo to manage their money and spend around the world. Download the app today to join them.

Manage your money

- Set spending targets
Set monthly targets for spending on things like groceries and going out.
- See an easy summary
See an overview of your account any time, with notifications if you’re spending too fast.
- Get instant notifications
Get a notification the moment you use your card, before the receipt finishes printing.

Travel easily

- Use your card anywhere
Monzo works all around the world, and you don’t need to tell us if you’re going away.
- Take out cash
Withdraw up to £200 every 30 days for free (there’s a 3% charge after that).
- Spend for free
We don’t add any fees or charges for spending with your card, and we don’t mark up the exchange rate.


Send money fast

- Pay people in seconds
Send bank transfers that arrive pretty much instantly.
- Set up Direct Debits and standing orders
Manage recurring payments from your app.
- Split the bill
Split through the app and we’ll do the maths for you.

Keep your money safe

- Stay in control
If you lose your card, freeze it in the app and get a new one quickly. (Or defrost it if you find it again.)
- Rest easy
We’re part of the FSCS, so your money is protected up to £85,000.

And more!
24/7 real-live human customer support
Fair and transparent overdrafts
Full Google Pay support

What people are saying about Monzo:
“Monzo? It might just be the future of banking.” — The Guardian
“A bank for people who hate banks.” — Bloomberg
“Monzo is a bank designed for the world we live in today.” — TechCrunch
10

Starling Bank

At Starling, we’ve turned the not-so-great bits of traditional banking into our best to make managing your money fast, easy and free. Apply for a personal, joint or business account and switch seamlessly between each in-app.

Voted Best British Bank and Best Current Account Provider (2018 British Bank Awards)

No more delays
• Apply for a UK current account in minutes, all from your smartphone
• Receive your contactless Mastercard debit card in 3-5 working days
• Add to your Digital Wallet: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay all available
• See your balance in real time
• Receive instant notifications for income and outgoings
• Contact Customer Support 24/7/365 within seconds

No more admin
• Gain Spending Insights of outgoings by category or merchant
• Settle Up money owed from friends and family by sending in-app requests
• Send money abroad to 37 countries with support for 19 different currencies
• Create Goals to ring fence money for what you’re saving for
• Set up and manage payments, standing orders and direct debits in-app
• Connect to the Marketplace and choose from a range of ever-growing products and services
• Adjust your flexible overdraft in-app and pay one simple interest rate
• Apply for a personal loan in-app

No more fees
• Apply for a personal and/or business account for free
• Travel abroad with zero ATM withdrawal or transaction fees

Safe, secure, protected
• Starling Bank is a member of the Financial Services Compensation Scheme meaning that your money is protected up to £85,000
• Enter the app using passcodes and biometric security including fingerprints and/or face recognition
• Lock your card in-app if lost or stolen within seconds
• Enable/disable contactless payments, ATM withdrawals, online payments and mobile wallet

We’ve also been recommended by Money Saving Expert and featured in TechCrunch, City A.M Wired, Financial Times, Bloomberg, Tech City News and many more.

Starling Bank is registered in England and Wales as Starling Bank Limited (No. 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166.


Rank App Details
1

Pennies – Budget and Expenses

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

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

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


••• MAIN FEATURES •••

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

Money Pro: Personal Finance

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 and even for business finance management.

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

FEATURES:

Simple and Secure
- widget for quick expense tracking on the go without launching the app
- quick and easy expense/income entries
- password & backups of your data

Income and Expense Tracker
- split transactions: split one payment to multiple categories
- search by amount, category, description, payee, cheque number etc.
- recurring expenses with custom periodicity
- calendar for scheduling expenses for the whole year ahead
- notifications & alerts for bills due
- tracking expenses with family members/partners (Family Cloud Sync subscription required)
- multiple profiles for separate tracking of personal and business finances
- attachment of receipt (or any other) photos

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
- transferring the leftover of the current period to the next budget period to limit your spending
- unique icons with your own photos

Account Manager
- easy management of 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)

Reports
- visualize where your money goes
- use filters to look deeper into your spending
- projected balance and trend charts will help in planning

More
- calculator and currency converter
- print and Export to pdf, qif, csv formats
- multiple currencies & automatic update of exchange rates
- import data from CSV
- support service & user guide (http://ibearmoney.com/pro/guide.html)

Family Cloud Sync
- 1 Month of Family Cloud Sync: $1.99
- 1 Year of Family Cloud Sync: $11.99

GOLD
- 1 Month of GOLD: $5.99
- 12 Months of GOLD: $49.99
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. 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.

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

Money Pro is a Universal app. Pay once and use it on your iPhone, iPad and Apple Watch.
3

BitcoinTrader

Profitable Bitcoin Trading Strategies for Bitcoin Daytrading

The CryptoCurrency Market is still in its infancy and has experienced explosive growth in the last few years, as The Market has grown aware of the current and future usefulness of cryptocurrencies. Pioneering the way is Bitcoin (BTC), the leader of the movement with a $4.5bn market cap.

Bitcoin is New...Fun...Dangerous...Volatile all at once. The volatility of bitcoin makes it great as a trading instrument, and thats what i am going to focus on here.

In heavility volatile periods bitcoin can move 20-50% in a single day. Which presents a massive opportunity for day traders to get in on the action.

What you will learn in this course is:

The Potential of Bitcoin
How to get started trading Bitcoin
How to recognize trade set-ups on Bitcoin Charts
When to Buy Bitcoin (long)
When to Sell Bitcoin (Short)
How to trade Bitcoin profitably
How to manage your risk
4

Debt Manager

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

√ Passcode protection
- keep your data safe

√ Full manual is embedded within the app
- has all the info you will ever need
5

Savings Goals Tracker - Daily Saving Money Box

Savings Goals Tracker - Manage your savings goals, different personal finance tools.
Now, Let your money start with a sense of direction.

• After setting a savings goal, add your deposit amount, and then you can see your saved amount, remaining amount, percentage (Current deposit / Goal amount), and a very intuitive way.

• Each savings goal is a separate project, through the intuitive pie chart to know the progress of the current Savings Goals.

【Features】

- Easy to use, intuitive and beautiful interface

- Control the progress, status, and details of all goals

- All historical deposit records can be viewed

- Complete & Unfinished Savings Goals, using three color distinctions

- iCloud backups are synchronized with the device

- CSV export (select two date ranges)

- Gesture Password protects data
6

UK Tax Tool 2018

The premium UK Salary Tax Calculator which includes a 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!


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 2018/19, 2017/18, 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) - all five bands from 2018
• Tax Codes - recognises L, S, M, N, K, T, P, X, 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.
7

powerOne Finance Pro

Powerful financial, business and real estate calculator includes algebraic, RPN input and over 400 free calculations. Create your own, keep a history and share with others.

● Multiple time Apple staff pick including Best of 2010
● "The créme de la créme of calculators" - AppAdvice
● "Incredibly powerful tool for calculations of all kinds." - Smokin' Apps
● "You need this calculator. It's miles better than the competition." - Robert Burns
● "…sets the benchmark for other calculators to reach." - Fred Swan
● "Not sure how I could do my job without powerOne." - Arvid Martin
● "A legend. The best financial calculator app I have ever seen." - Worldwide Tech
● "… powerOne shines." - Mac Observer


CALCULATE

Whether mortgages and real estate, finance and investing, math and science, medical, health, conversions or construction, powerOne has you covered. There are hundreds of spreadsheet-like calculator templates pre-installed or in the Library, ready right now for all kinds of what-if scenario analysis.

And for those one-off calculations use powerOne's elegant algebraic and RPN calculator. Perform calculations in decimal, fraction or feet-inch format with hundreds of functions that include powers, logs, trig, programmers math and more.


GRAPH

Sometimes a number isn't enough. Visually seeing data in the form of a function graph, bar chart or scatter plot enhances understanding like a result never could. For instance, analyze Mortgage, Auto Loan and TVM amortizations, watch investments grow in 401(k) and Savings, and visually see the relationship between NPV, IRR, NUS and NFV in cash flows. Zoom, pan, trace and analyze in many bundled and Library templates, or add to your own.


CREATE

powerOne is easily customized. It includes a dynamic language to create your own calculator templates. It can be as easy as entering a formula similar to HP Solve or harness the complete capabilities of powerOne's simple scripting language. Hundreds of examples and instructions included.


SAVE

Past computations are always available at your fingertips. powerOne automatically saves a history of your calculations. Name them, annotate them, share them or re-calculate.


SHARE

Whether colleague or client, powerOne makes it easy to share the results and created templates, too. Just choose who to send it to. The results are in the email and so is the template. Click the attached template on an iPhone, iPod touch or iPad and it will load right into powerOne.


TRUST

After 15 years and close to 20 million software calculators distributed, Infinity Softworks has earned its reputation for high quality apps. We'd love to hear from you, whether ideas, help or problems, at help@infinitysw.com.

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This version of powerOne includes…

* Full-featured algebraic and RPN calculator with three theme options
* Pre-installed calculator templates:
- Time Value of Money with Amortizations
- Mortgages with PITI and Amortizations (Conventional and Canadian)
- Cash Flows including NPV, IRR, NFV, NUS and more
- 401(k)
- Area Conversions
- Auto Lease
- Auto Loan
- Black-Scholes
- Bonds
- Breakeven
- Capitalization Rate
- Currency Conversions
- Date Conversions
- General Loan
- Investment Return
- Length Conversions
- Mass Conversions
- Percent Change
- Profit Margin
- Savings
- Summary Data including sum, average, min and max
- Tip
- Volume Conversions
* Access to hundreds of additional templates in the Library
* Create your own templates
* Perform decimal, fraction or feet-inch math with hundreds of functions ranging from powers and trig to programmer's math and matrices
* Save a history of all calculations automatically
* Share results and templates by simply entering a recipient
8

My Piggy Bank

Count all of your loose cash or coins and bank account balances quickly and easily-all in one place!

My Piggy Bank is an easy to use app that can be used as a money counter, savings tracker, currency converter, or spending tracker (perfect for holidays, birthdays, groceries, and shopping sprees!).

My Piggy Bank also remembers exactly how much money you have when you close out of the app, so there's no need to worry about losing count of your savings.

The built in currency converter fetches the most up-to-date exchange rates over the internet, so you'll always have an accurate conversion of your money. Don't have an internet connection? Don't worry. My Piggy Bank stores the rates locally as well to provide you with a conversion. The app will automatically update the rates as soon as you get an internet connection. Currently supports USD, GBP, AUD, SEK, CAD, EUR, JPY, MXN, CNY, HKD, and CHF.

The simple and easy to use interface makes it a great app for teaching kids and teens the basics of money management.
9

Sum Calculator & Spreadsheet

Do you find yourself often creating new spreadsheet documents and setting up a sum formula? this app is for you.

Itemized calculator to keep track of your calculations.

Just hit new document and fill in to your heart's content.

Allows saving your documents for as long as you need.
10

Payday 2018

Payday converts your income into hourly, weekly, fortnightly, monthly or annual brackets.

Simply insert your income, hide the keyboard and then scroll down to review what your income equates to hourly, weekly, fortnightly or annual segments. It's as easy as that.

Do you work a long week? Change the hours/week to match your situation. Want to work out your superannuation/401K too? Alter the superannuation percentage fields if you're paying more.

Understand everything about your pay with Payday.

iPhone apps designed with purpose.
www.alansally.com

Rankings are taken directly from iTunes.