Money Watch – Personal Finance Blog

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

The HMRC app is a handy way to:

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

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

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

Earn $15 for you and your friend when you invite them to Monzo. Terms apply.

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

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

WHY OVER 10 MILLION CUSTOMERS LOVE MONZO

Say goodbye to fees. No account fees, overdraft fees, or foreign transaction fees.
Earn interest on every goal with our Savings Jars.
Get paid early with a qualifying direct deposit.
Connect all of your accounts and cards for an all-in-one view of your finances.
Instant access to cash with our network of 38,000 free ATMs across the US.
Our award-winning support team is here to help 24/7.
Your money is FDIC insured up to $250,000.

UNDERSTAND YOUR SPENDING HABITS

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

REACH YOUR SAVINGS GOALS

Earn interest on every goal. No catch, no small print. Just instant access savings and smart tools to help you reach your goals faster.
Set aside money for trips, bills, emergency funds, and more in a Savings Jar.
Set a goal on a Jar and we’ll show you your progress as you save. Tell us what date you want to reach your goal by, and we’ll work out the regular deposit needed.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.

SERIOUSLY SECURE

With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.¹
Anti-fraud systems that make sure your money is safe, without adding friction for you.
Protect your money with Touch ID, Face ID, and PIN.

____________________________

*The national average interest rate for savings accounts as posted on FDIC.gov, as of June 17, 2024.

Monzo’s Savings Jar Annual Percentage Yield (APY) is as of July 29, 2024. The APY may change at any time.

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

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

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

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

Join the 50+ million customers worldwide who use our app to spend, send, and save smarter.

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

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

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

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

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

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

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

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

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

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

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

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

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

Earn money as an online tester? As often and whenever you want?

Join Germany's largest platform for paid online jobs and join over 2,900,000 online testers.

After signing up for free, you'll immediately have access to countless online surveys.

- Earn over USD 850 directly after download, whether on the go or from the comfort of your home, maximum flexibility guaranteed.
- Choose from the largest assortment in the German-speaking area, orders that fit you exactly.
- You will be regularly invited to the latest surveys.
- Orders with multi goals allow you to achieve higher earnings through continuous testing.
- Fast and secure payout: Get paid within 24 hours.
- Upgrade to a premium tester and earn exclusive access to higher-paying assignments.
- Tested, Verified, Recommended! We value authenticity and trustworthiness. Not for nothing we are recommended by Verbraucherschutz.de. In addition, testerup.com is certified with the TÜV - eKomi rating of 4.3/5.

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

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

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

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

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

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

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

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

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

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

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

UK's #1 app for active trading & long-term investing.* (77% of retail CFD accounts lose money when trading with this provider)
Access global financial markets commission-free and hassle-free.
Start with a free, lifetime practice account with virtual money.

Trading 212 Invest & ISA:

- Unlimited commission-free trades;
- 13,000+ Real Stocks and ETFs from the UK, the US, Germany, France, Spain, the Netherlands and others;
- High interest on your uninvested cash: 4.9% on GBP, 3% on EUR, 4.1% on USD, and more. Paid daily. Terms apply.
- Multi-currency account: deposit, invest and earn interest in 13 currencies;
- Fractional shares, Pies and AutoInvest: create a diversified portfolio and invest automatically, reinvest dividends, or copy popular portfolios;
- Trading 212 Card - experience revolutionary low exchange rates and get 0.5% cashback;
- Extended hours trading with fractional shares;
- 24/5 trading for US stocks: non-stop market access from Monday until Friday via more trading sessions;
- Portfolio transfers: transfer shares from and to other brokers. Free of charge;
- Trading 212 community: see how others invest;
- Uncompromising, direct trade execution - we don’t sell your order flow.

Trading 212 Cash ISA:

- 4.9% AER (variable), earned daily, paid monthly
- Flexible - withdraw anytime
- Completely free - no account fees

ISA accounts are provided by Trading 212 UK Ltd.


Trading 212 CFD:

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

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

Investments can fall and rise. You may get back less than you invested. Past performance is no guarantee of future results. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.


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


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


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


Trading 212 is the following companies:

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

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

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

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

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

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

# You can use the app to: #

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

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

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

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

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

CRYPTOCURRENCY
Buy, sell and hold Bitcoin, Ethereum, PayPal USD, Bitcoin Cash and Litecoin with PayPal*

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

GROW YOUR MONEY WITH HIGH-YIELD PAYPAL SAVINGS
Roll your money into PayPal Savings and earn a competitive APY*
Easily manage your account right from the app. Transfer money in and out, set individual goals, and track your progress as your savings grows.

*PayPal Savings annual percentage yield (APY) is a variable rate and can change at any time, including after the account is opened. PayPal is a financial technology company, not a bank. Banking service provided by Synchrony Bank, Member FDIC. PayPal Balance account is required to use PayPal Savings. 

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

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

*Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO or NV. 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4

Availability of features varies by market.

PayPal
2211 N 1st St San Jose, CA 95131

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

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

MANAGE YOUR POLICY:

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

BREAKDOWN ASSISTANCE:

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

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

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

Disclaimer

Minimum Hastings Direct app requirements:

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

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


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

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

READY, STEADY, PAY

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


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


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

IN FOR A PENNY

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

HOW WE’LL CONTACT YOU

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

IMPORTANT INFORMATION

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

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

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

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

Touch ID requires at least iPhone 6s running iOS 14.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models). Face ID requires either iPhone X or later models, or iPad Pro with Face ID capability (2018 onwards).

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

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

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

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

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

Top Selling Checkbook App

Accounts 3 is an easy to use application to replace your paper checkbook. With the Accounts 3 application, you will have a quicker and more convenient way to track your daily finances. You can schedule transactions, transfer funds, capture photo receipts, reconcile, view reports, export data, print, and much more. All features of the Accounts 3 app are designed to be quick, clean, intuitive, and easy to use.

FEATURES

* Touch and Face ID Support
Use Touch or Face ID to authenticate and launch the app quicker and more conveniently.

* Sync Data via iCloud
Sync your data across iPhone, iPad, and iPod Touch devices

* Universal Binary
Designed for iPhone, iPad, and iPod Touch devices. No need to buy separate apps for each device.

* Graphs and Reports
Review your monthly income vs. expense, spending by category, or income by category summaries with beautiful graphs and reports.

* Photo Receipts
Capture and store photo receipt as part of a transaction.

* AirPrint Support
Print reports directly from your iPhone or iPad to any AirPrint-enabled printer.

* Recurring Transactions
Schedule transactions to repeat weekly, biweekly, monthly, semimonthly, quarterly, biannually, or yearly on a start date that you choose.

* Split Transactions
Split a transaction among several categories for more precise tracking.

* Search
Quickly search for transactions and edit them from the same screen or export your search results.

* Reconcile Transactions
Reconcile by checking off cleared transactions and comparing the actual and outstanding balances against a bank statement.

* Smart Autocomplete
As you type, a list will show you your previously entered descriptions and corresponding category. Selecting an entry from the list will fill both fields of the transaction.

* Auto-increment Check # Field
Accounts 3 will suggest the next check number for you based on the previously entered number. If you replace your checkbook, just enter the new starting number and Accounts 3 will auto-increment from there.

* Transfers
Make a one-time transfer between accounts or set up recurring transfers to automatically repeat.

* Export in CSV, QIF & HTML Formats
Export transactions via email attachments for used with desktop applications such Numbers, Excel, or MS Money.

* Customization Settings & Themes
Configurable settings and themes to customize the Accounts 3 application based on your preferences. Themes are now also available in dark mode.

* Transaction Sorting/Hiding
Sort transactions by date in either ascending or descending order. You can also hide reconciled transactions to keep your current list from being cluttered.

* Accounts Reordering
Reorder your accounts from the account list in any order you choose.

* Accounts Delete Lock
Prevents accidental deletion of all the transactions under an account.

* Backup / Restore
Backup your data for safekeeping via iCloud, Dropbox, or email. Then restore it to your device whenever you need to.

* Passcode Security
Keep your accounts information private.

* FREE Accounts 3 Lite version
Please download the Accounts 3 Lite version to try before you buy.

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

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

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

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

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

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

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

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

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

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

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

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

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

This is the premium version of the BA Financial Calculator app. It is ad-free and has the features of the BAII Plus Professional (PB, DPB, DUR, MIRR). This app has been developed by a single person to help CFA candidates and charterholders on their way to success. It has been thoroughly tested to ensure it matches identically the TI BAII Plus Professional calculator functionality, while providing a great user experience. Please contact cfa.calculator@gmail.com for support

The US Debt Clock .org App gives you a Real-Time glimpse of the most relevant economic data showing the financial condition of the US Federal Government, the 50 States and the World with over 3000, up to the Second Data Fields.

• Go Back in Time to the Year 1900 to see the performance of each President, all the
way forward into Future elections.

• Compare the Debt, GDP, Debt Per Citizen and Unfunded Liabilities of all 50 US States.

• See the World Debt Clock represented in US Dollars, and how each Country's Debt
Level and GDP place them in the Global Economic System.

• Look into the Future to see the US Debt Clock in 4 and 8 Years at Current Rates.

• See the Top 50 US City Debt and Unfunded Liabilities.

• Look into the Classified Budgets and Programs of the various US agencies.

• See all NASA's Current and Past Space programs represented in Today's Dollars.

• See the Cost of every US War in Today's dollars

• See the Cost of America's Military Hardware through History and in Inflation Adjusted Dollars Today.

• See a complete list of the Average Pay and 20 year Increase for the Top 200 Occupations in the U.S.

• See the Fortunes in Today's Dollars of some off America's top pioneers

• A special feature which lists America's most Expensive Natural Disasters in Today's Dollars.

• Take a Glimpse back in time 100 years and see the increase in prices for a List of Common Consumer items, Including Cars.

• Keep up to date with World Energy Usage, Precious Metals Production and Demand, Year to Date Auto Sales and Home Prices and Sales Rates.

• Go Back by decade to see where US Debt Levels were in 1980, 1990, 2000 and 2010.

• Travel Back in Time to the year 1100 for a complete History of Money and Banking.

• Federal Budget Showdown matches the CBO, OMB, HCB and USDC against each
other, 4 years into the future.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

√ Passcode protection
- keep your data safe

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

CineHours: The Ultimate Work Hour Tracker for the Film Industry

Welcome to CineHours, the essential tool designed exclusively for professionals in the film industry. Whether you're a director, producer, cinematographer, or part of the hardworking crew, CineHours helps you keep track of your working hours, manage projects, and calculate overtime with precision.

Key Features:

Project Management: Easily create and manage multiple projects. Add project names, work hours, and user names or department names to keep everything organized.

Work Log Tracking: Log your daily working hours with start and end times. Perfect for tracking long shoots, night shifts, and varying schedules common in the film industry.

Overtime Calculation: Automatically calculate your daily and total overtime hours based on your project's work hour settings. Never lose track of your extra efforts again.

PDF Reports: Generate detailed PDF reports of your work logs and project summaries. Each report includes project details, daily logs, total hours worked, and overtime hours. Easily save and share these reports for personal records or client invoicing.

User-Friendly Interface: Designed with simplicity in mind, CineHours offers an intuitive interface that makes tracking your work hours a breeze.

Why CineHours?

Tailored for Film Professionals: Unlike generic time-tracking apps, CineHours is specifically designed to meet the unique demands of the film industry. We understand the complexity of your schedules and provide the tools you need to stay organized.

Accurate Time Tracking: Ensure every minute of your hard work is recorded. CineHours helps you maintain accurate logs, crucial for project planning, budgeting, and invoicing.

Comprehensive Reports: Generate professional PDF reports that summarize your work. Ideal for presenting to clients, employers, or keeping for your own records.

Secure and Private: Your data is securely stored on your device. CineHours respects your privacy and ensures your information is safe.

How It Works:

Create a Project: Start by creating a new project. Add the project name, expected work hours, and your name or department.
Log Your Hours: For each day, log your start and end times. CineHours will automatically calculate the total hours worked and any overtime.
Generate Reports: When you need a summary of your work, generate a PDF report with all the details. Save it, share it, or print it as needed.
Join the CineHours Community

Join thousands of film professionals who trust CineHours to keep their work hours organized. Download CineHours today and take control of your time management in the film industry.

Download CineHours Now!

CineHours is your go-to app for tracking work hours, managing projects, and calculating overtime in the film industry. Experience the ease of precise time tracking and professional reporting. Download now and elevate your project management to the next level!

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

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

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

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

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

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

KEY FEATURES:

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

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

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

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

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

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

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

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

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

iCurrencyPad is not just a simple and elegant currency convertor and calculator.

iCurrencyPad also offers an up-to-the-minute exchange rates "electronic board", detailed charts of historical price trends, and more:

√ a polished, easy-to-use interface
√ 160+ currencies from around the world
√ favorite currencies to reduce clutter
√ charts for all exchange rates
√ multiple data sources

√ iPhone, iPad and iPod Touch resolutions
√ HD Retina graphics optimized for iPhone 6 and 6 Plus

◆◆◆◆◆ "Excellent! Professional! Highly Recommended... finally the currency application I have been waiting for so long..."

◆◆◆◆◆ "...I tried all other similar apps, and I am proud to announce that this app is simply the best of them all.."

◆◆◆◆◆ "Smart, intuitive and flexible!... slick interface with great functionality which further impresses with its great selection of currencies and immediate updates. Good job! Highly recommend!"

Features:

-- Simple Interface --
iCurrencyPad was designed to be fast and easy to use. Just select the currencies to convert and tap in the amount to convert. A convenient calculator allows for basic math calculations, showing the results as the values are tapped. Swipe across the display to swap the left and right currencies, or swipe up and down to select different currencies. Tap and hold to copy/paste.

-- Favorite Currencies --
While iCurrencyPad offers exchange rates for 160+ currencies from around the world, you may be interested in only a few currencies. To reduce clutter on the screen, iCurrencyPad allows you to select and sort your Favorite Currencies, so only those currencies that interest you appear on the screen, thereby making the application easier and faster to use.

-- Charts --
Detailed charts show the history of exchange rates for any two currencies. Tap on the chart for the exchange rate on any particular day. Tap with two fingers to show the change in rates between any two dates. Rotate the device for a larger chart in landscape view. Charts for most currencies are available for 1-day, 5-days, 3-months, 6-months, 1-year, 2-years, 5-years and 10-years.

-- Exchange Rates Listing --
The exchange rates listing shows a base currency compared to all other currencies, similar to the electronic exchange rate boards seen in "Change" shops around the world.

-- Exchange Rates Updates --
iCurrencyPad updates Exchange Rates on demand, or automatically at pre-defined intervals ranging from 15 seconds to 1 day. Exchange Rates are automatically updated when the app is launched, or auto-updates can be turned off when roaming. An Internet connection is required to update rates, either via cellular network or a Wifi connection. Without a connection, rates can still be accessed and converted using the last data downloaded.

-- Easy to Get Started --
A short 20-second tutorial will play when you first launch iCurrencyPad and guide you through the app's features.

-- Languages --
The user interface is offered in 9 languages: English, Spanish, French, German, Italian, Russian, Chinese, Japanese and Arabic. Please visit the App Store in your language for a translated description and screenshots.

-- Reviews --
"...iCurrency Pad is a great piece of software powered by a stunning design and usability. It’s beautiful, useful, powerful yet simple and straightforward..."

-- MacStories (http://bit.ly/94Y9IT)

Get answers fast with the same algorithms and keystrokes you trust for business, real estate, banking and finance. Next time you find yourself in class or at the office without your financial calculator, just open the HP 12c app on your iPhone, iPad or iPod Touch.

Features:
• Authentic app, developed by Hewlett Packard
• Award-winning HP Support
• Identical layout, functions and features as the original HP 12c Financial Calculator
• Special “30th Anniversary edition
• RPN entry
• Quickly calculate loan payments, TVM, NPV, IRR, cashflows, bonds and more
• Keep the power of your HP 12c handy on your iPhone, iPad or iPod Touch

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

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

FEATURES:

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

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

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

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

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

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

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

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

PLUS subscription
- 1 Month of PLUS: $4.99

GOLD subscription
- 1 Month of GOLD: $9.99

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

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

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

*See App Support for further details