Money Watch – Personal Finance Blog

Take control of your money and tax with the HMRC app

It’s secure, free to download, and easy to use. Get on it, and join millions of people already saving time with the HMRC app.

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

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

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

CASH BACK FOR ALL

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

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

NO STRESS SAVINGS

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

ONE APP FOR YOUR FINANCES

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

SERIOUSLY SECURE

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

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

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

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

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

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

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

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

You'll be able to:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Trading 212 Invest & ISA:

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

Trading 212 Cash ISA:

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

ISA accounts are provided by Trading 212 UK Ltd.


Trading 212 CFD:

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

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

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


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


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


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


Trading 212 is the following companies:

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

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

FLEXIBLE WAYS TO PAY
Shop anywhere in the app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹

SHOP WITH THE KLARNA CARD²
Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership.

UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores.

USE KLARNA WITH APPLE PAY
Split the cost with Klarna on Apple Pay, available in-store and online.⁴

KLARNA MOBILE
Get reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $40/month. No hassle, cancel anytime.⁶

FIND THE BEST PRICE, EVERY TIME
Search for any product and instantly compare prices across stores.

HASSLE-FREE RETURNS
Need to send something back? Report a return and we’ll pause your payments.

TRACK ALL YOUR DELIVERIES
Get real-time updates, arrival times, and pickup photos.

24/7 CUSTOMER SERVICE
Use our chat for 24/7 support.

¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
²Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card not insured by the FDIC and are not deposits. Physical card only included with a paid Klarna Membership Plan. Klarna Membership offered in partnership with WebBank for a monthly fee. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply. Annual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage.
³Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/cashback
⁴Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available with Apple Pay online and in app, on iPhone and iPad. Not available in-store. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see https://support.apple.com/120477.
Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy. Unlocked device and no. required. Some numbers not eligible.
⁶Cancel up to 24 hours before renewal in the Klarna app.

Hi, we're Zable. Download our app to join over 1 million of our credit card and loan customers.


Rated 'Excellent' On TrustPilot:


- Quick eligibility check: it won't affect your credit score

- Apply in minutes: simple, straightforward, paperless card and loan application

- Manage your money: credit card transactions, loan payments, and credit score

- Repay card in minutes: make card payments in the app

- Apple Pay: most approved customers are eligible for a virtual card immediately

- Credit score: see your Equifax score

- Credit that grows with you: we automatically review your account for credit limit increases and let you know when you're eligible

- No hidden card fees: at home or abroad

- Simple to use: manage your card or loan in the app


Zable Credit Card:


Track your credit, spending, score, and payments all in one place on our simple, easy-to-use app. Zable cards are available with Apple Pay, and most approved customers enjoy instant access to start spending right away.


Zable Loan:


The loan application process is paperless and fast – complete your application in our app and you could potentially receive your loan the same day. You can customise your loan amount and term, providing flexibility and control over your loan.


Credit Score:


Access your Equifax credit score for free, gaining valuable insights into your credit score history and the factors affecting your credit score and eligibility for a loan or card.


Zable Credit Card: Representative 48.9% APR (variable)

Zable Loan: Representative 32.5% APR (fixed)

Our loans involve fixed monthly payments over a set period, between one to five years. If you would like to change your repayment schedule or make early repayments for your personal loan, you can do so with ease (and without incurring a fee) via our app.

We're authorised and regulated by the Financial Conduct Authority as Lendable Ltd with reference 720261. Zable is a trading name of Lendable Ltd.

Here to help:

Reach our customer service team 7 days a week by email, phone, or text.


02033229128


contact@zable.co.uk


69-77 Paul Street

EC2A 4NW

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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).

Weple Money – The Essential Budget App for iPhone
Experience the easiest way to manage your finances.

Instead of focusing on expert users,
we started by thinking about people who don’t use budget apps at all.
Tracking expenses can feel complicated and tedious —
Weple Money was designed to remove that burden.

With a simple yet powerful set of features,
anyone can build a consistent budgeting habit with ease.

Start using Weple Money today
and take the first small step toward better spending habits.

***Coming next, Export links in "Make a Claim screen" ***


The Seafarer's Earnings Deduction (seafarer's tax) eligibility calculator. SeafarersCalc allows quick and easy checking of voyage dates to determine whether they meet the half-days rule. As the dates are entered, a 'traffic light' indicator shows whether the voyage is valid or invalid. Once a set of valid dates is entered, the eligible voyages go green and you should make a claim.

EdgeAI – Market Strategy Analyzer

EdgeAI is a powerful market analysis tool designed to help users identify potential probability advantages and generate structured strategies instantly.

Built with a local AI-style decision engine, EdgeAI analyzes market odds and volume to detect potential edge and generate intelligent recommendations — completely offline.

No accounts. No servers. No tracking.

What EdgeAI Does

• Analyzes market probability and volume
• Detects potential statistical edge
• Generates AI-style strategy recommendations
• Calculates confidence score
• Provides dynamic explanation for each strategy
• Includes local wallet tracking
• Works fully offline

AI-Style Strategy Engine

EdgeAI uses a structured decision engine that simulates AI-driven reasoning. Each market analysis includes:

• Strategy recommendation
• Confidence percentage
• Logical explanation based on probability inputs

All processing is done locally on your device.

Wallet Tracker

Track your positions manually and monitor exposure across different assets.
No wallet connection required. No private keys stored.

Introducing Profit & Margin Calculator, the ultimate tool for business owners, entrepreneurs, and financial enthusiasts. This powerful app brings you a comprehensive suite of essential calculations to help you make informed decisions and maximize your profits. From determining annual profits to calculating sales margins, this app has you covered.

Key Features:

Annual Profit Calculator: Easily calculate your annual profits by entering your revenue and expenses. Gain valuable insights into your business's financial performance and make data-driven decisions.

Gross Margin Calculator: Determine your gross margin by inputting your total sales and cost of goods sold. Quickly assess your profitability and track changes over time.

Sales Margin Calculator: Calculate your sales margin percentage by entering your total revenue and the cost of goods sold. Monitor your pricing strategies and optimize your sales for maximum profitability.

Net Profit Margin Calculator: Understand your net profit margin by inputting your net income and total revenue. Evaluate your business's efficiency and identify areas for improvement.

Discount Calculator: Easily calculate discounts on products or services. Effortlessly determine the discounted price and the amount you'll save. Perfect for both personal and business transactions.

Business Valuation Calculator: Evaluate the worth of your business using various valuation methods. Gain insights into potential growth opportunities and make informed decisions about acquisitions or investments.

Sales Tax Calculator: Accurately calculate sales tax for different regions or jurisdictions. Ensure compliance with tax regulations and avoid potential penalties.

Whether you're a small business owner, a freelancer, or an investor, Profit & Margin Calculator is an essential tool for your financial arsenal. Simplify complex calculations and make smarter decisions to drive your business forward. Download Profit & Margin Calculator today and take control of your financial success.

Please note that this app provides calculations and estimates based on the information provided and should not be considered as financial or legal advice. Always consult with professionals for specific financial or tax-related concerns.

Enhanced Financial Analysis: Gain deeper insights into your business's financial performance by easily calculating annual profits, gross margins, sales margins, and net profit margins. Make data-driven decisions and identify areas for improvement.

Profit & Margin Calculator is a powerful app for business owners, entrepreneurs, and finance enthusiasts. It offers essential calculations such as annual profit, gross margin, sales margin, net profit margin, discount, business valuation, and sales tax. With this app, users can gain insights into financial performance, optimize pricing, manage discounts, evaluate business worth, ensure tax compliance, and make informed decisions. It saves time, has a user-friendly interface, and is accessible on mobile devices. Download Profit & Margin Calculator for smarter financial management and profitability.

Elevate Your Financial Well-being with iXpenseIt: The Ultimate Personal Finance App

Welcome to iXpenseIt, where managing your personal finances becomes not just simple, but a part of your daily joy. Imagine a world where every penny is accounted for, every expense tracked effortlessly, and your financial goals are within reach. That's the world iXpenseIt creates for you. Whether you're looking to keep tabs on your personal budget, streamline business expenses for swift reimbursements, or simply find smarter ways to save, iXpenseIt is your financial companion.

Why Choose iXpenseIt?

• Award-Winning Excellence: Praised in Apple's TV commercials and lauded by CNN Money Magazine, LAPTOP Magazine, PC World, and many more for its unparalleled utility and user-friendly design.
• Effortless Expense Tracking & Budgeting: With intuitive daily expense tracking and comprehensive monthly budgeting, iXpenseIt turns the tedious task of managing money into a breeze. Capture photo receipts in an instant, enter expenses with a few taps, and enjoy powerful reporting that offers deep insights into your spending habits.
• Features That Empower You: From seamless Excel export, upcoming bill reminders, and quick data entry, to detailed PDF reporting, multi-currency support, and robust budgeting tools, iXpenseIt has everything you need to take control of your finances.
• Security You Can Trust: With Touch ID protection and secure backup options, your financial data is always safe and at your fingertips.
• Subscription for Seamless Synchronization: Sync your financial data across up to 5 devices for a consolidated view of your finances, ensuring you and your family are always on the same page.

What Sets iXpenseIt Apart?

• Visualize Your Financial Journey: With trend bar charts for expenses and cash flow, along with an instant overview of today's spending vs. the daily average, you'll gain valuable insights into your financial habits at a glance.
• Customizable and Convenient: Tailor the app to your needs with customizable budgets, categories, and icons. Plus, with support for VAT/GST, mileage tracking, and easy transaction personalization, iXpenseIt adapts to your lifestyle.
• Stay Informed and In Control: From reminders for upcoming bills to summaries of your monthly expenses and easy-to-generate graphical reports, you're always informed and in control of your finances.
• Join the iXpenseIt Community

Join millions who have transformed their financial lives with iXpenseIt. It's not just about tracking expenses; it's about discovering new ways to achieve your financial dreams. With iXpenseIt, you're not just managing your money; you're mastering it.

Read our Terms of Use and Privacy Policy for a worry-free experience:

Terms of Use: http://www.mobilewareinc.com/legal/tos.html
Privacy Policy: http://www.mobilewareinc.com/legal/privacy.html

Take the first step towards financial empowerment today with iXpenseIt and redefine your relationship with money.

Reached No.1 in UK Finance Charts on the App Store. Also featured on BBC Radio 4 & Sunday Times.

Unlike some free tax calculator apps, Tax Tool has all calculations and data built-in, so there's no need for an internet connection - use it anytime and anywhere, even if you don't have a signal!


SPECIAL FEATURES

• Perform Reverse Salary Calculations for working out your target salary from the take-home pay you need - useful for job interviews and pay rise negotiations

• View a pocket guide of key UK tax rates, limits and allowances, including Income Tax, National Insurance, Capital Gains Tax, Stamp Duty Land Tax and Pension Schemes

• Email your results, including a breakdown of the calculation, for sharing or backup purposes


CUSTOMER REVIEWS

"There's a reason for the high review scores posted for this app...it is an extremely well designed and thought out app."

"Brilliant app. Just saved me £160. Email and print give a very clear printed breakdown."

"This app is easy to use...I rarely write app reviews, but this one deserves all the praise it gets..."

"Outstanding - one of the best personal finance apps available."


OVERVIEW

Tax Tool is designed for UK taxpayers in paid employment, using the Pay-As-You-Earn (PAYE) system of automatic tax deduction.

The app was inspired by the quality of Apple's own apps. It was designed to be comprehensive, but also to be very easy to use and input information, with immediate results.

Choose to enter as much or as little as you want: accuracy is improved if you enter more information and if you enter your Tax Code, but it still gives a useful rough guide if you enter none of these.

A key feature is that it can perform reverse salary calculations. You can enter your desired take-home pay (what you need to receive, after payroll taxes are deducted, to cover your everyday lifestyle) and Tax Tool will instantly work out the salary needed to achieve that target. You can easily flip between these to work out net pay from gross salary or vice-versa.

The app also performs UK VAT calculations, and contains a handy reference for UK tax rates, limits and allowances.

Quick and simple: this is not designed to be a replacement for a full tax return (it doesn’t ask for full details on all your financial affairs), but it does provide a quick and useful estimate of the amount you will receive in your pay packet as an employee.


ADDITIONAL FEATURES

• Instant calculations as you type
• Doesn't need an Internet connection
• Shows a detailed breakdown of the calculations, including Income Tax paid at each band
• Flexible periods: enter and view results annually, monthly, four weekly, fortnightly, weekly, daily or hourly
• Calculates your National Insurance contributions, as well as your employer's
• Includes a VAT calculator, with Reverse function
• Calculates PAYE tax for tax years 2025/26, 2024/25, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 17 & iOS 18.

Optional Settings available:
• Scottish tax (SRIT) - all extra bands from 2018 onwards
• Tax Codes - recognises L, M, N, K, T, P, X, Y, BR, D0, D1, NT, 0T, M1 and W1 codes, plus Scottish S and Welsh C versions
• Contributions to company pensions (as a percentage or fixed amount). Also supports salary sacrifice pensions and contributions taken from net pay
• Childcare Vouchers
• Student Loan repayments (Plan 1 and Plan 2 schemes supported)
• Overtime and Bonuses (basic support for percentage or fixed annual amounts)
• Tax deductions
• Benefits-in-kind
• Contributions to charities
• Salary sacrifice (three types)
• Regular deductions from net pay
• Marriage Allowance transfers
• High Income Child Benefit Charge estimation
• Ability to switch off National Insurance calculations if State Pension Age reached.

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

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

Contact support@anishu.com, if you need help. We have no way of contacting you if you post an issue as a review.
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HomeBudget is an integrated expense tracker designed to help you track your expenses, income, bills-due and account balances. It offers support for budgeting, and allows analysis of your expenses and income, including charts and graphs. Two key differentiating features of HomeBudget are:

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

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

KEY FEATURES:

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

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

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

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

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

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

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

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

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

Look no further, you have found the best Financial Calculator app available.

In-App Purchase: 10bii+ Features (Bonds, Breakeven, Depreciation, Trig, Probabilities) available!

5 Stars: "What is the PV of WOW? I'm sure thrilled with everything about this app! Too bad there isn't room for another star!" - Pokey

5 Stars: "This tool is excellent. It's downright marvelous! I would recommend it to any financial advisor without reservation." -John L Olsen, CLU, ChFC, AEP

5 Stars: "Awesome Financial Calculator! I use it all the time and love it!" - Tinahart2

5 Stars: "Great customer service along with the app's ease of use made this purchase a no brainer." - HarborDan

5 Stars: "I am a full-time investor in real estate and notes. This has become my "go to" app on my iPad. [It does a] wonderful job in integrating visual tools to illustrate financial cash flows. A++++" - Sanjosee

Highlights:
- Displays current N, I/YR, PV, PMT and FV values right above buttons
- Print or Save PDF Amortization Schedules
- Easily enter your Uneven Cashflows in a spreadsheet-like worksheet
- Video Tutorials in Help section
- Draws Cashflow Diagrams for simple TVM or complex Uneven Cashflows
- Saves Recent calculations so you can easily reload them
- Easy Mode allows everyone to get the financial answers you need!

Finally a Financial Calculator for everyone! Whether you are a seasoned investor or you just have questions about paying off your credit card, refinancing your home, or planning your 401(k) contributions, the 10bii Financial Calculator has the answers to YOUR financial questions!

The 10bii Financial Calculator is a versatile and powerful financial calculator which features more than 105 different functions for financial analysis, business, statistics, and general mathematics. Modeled after the extremely popular HP 10bII Financial Calculator, the 10bii Financial Calculator app combines precise mathematics, intuitive display, and ease-of-use in one compact package. It allows you to easily calculate loan payments, interest rates, amortization, time value of money, investment value, and more using a combination of powerful and intuitive equation-writing functionality and helpful worksheets. The 10bii Financial Calculator's keypad has been specially designed to be easy to use and easy to see.

By expanding on HP's traditional presentation, the 10bii Financial Calculator allows quick and intuitive building and visualization of TVM (Time Value of Money) calculations and Uneven Cash Flows, lets you see the stored values of all of your memory registers in one easy view, graphs your statistical series, and lets you type in whole equations for easy review and one-touch evaluation.

With the 10bii Financial Calculator, you can:

Get answers to common financial questions WITHOUT having to know how to use a financial calculator! With the 10bii Financial Calculator's Easy Modes, answer a few simple questions worded in plain language (rather than Financial-ese) and find out just how much you'll save with that refi, how much you'll have at retirement, how long it'll take you to save up for that big purchase and more. Now with 12 Easy Modes!

Easily enter and see diagrams for Cash Flows, including rapid calculation of Net Present Value and Internal Rate of Return. A dedicated interface makes adding, editing, deleting, and reordering uneven cash flows a breeze.

Enter and analyze statistical data points, and see graphs based upon the values you enter. Includes standard calculations such as standard deviation, mean, and linear regression forecasting.

Never has using a financial calculator been so easy or intuitive. The 10bii Financial Calculator is powerful enough for the professional but accessible enough for everyone. It is an ideal tool for teaching the power of compounding interest, analyzing potential deals or business ventures, or just doing math problems, and sharing the results of your work with others.

*** Proven To Work! 30+ Million chores completed and 20+ Million allowances paid using iAllowance! ***

*** Apple Staff Favorite ***
*** Featured by Money Magazine ***
*** Featured by Forbes Magazine ***

Put piggy banks and paper money behind you! iAllowance is the only thing you need to manage your child's finances and teach him or her about saving and spending money. Whether you want to set up a weekly allowance or pay out a special reward, iAllowance handles everything for you with an eye-pleasing and easy-to-use interface.

KEY FEATURES:
- Simple and Fun
- Run on all your iOS devices.
- Automatic and free Instant Sync
- Works With ALL Your Children
- Unlimited Number of Banks with Optional Interest
- Automatic Allowance Payments
- Chores/Jobs Tracking with Push Reminders
- Reward Tracking - Great For Motivation
- Use Real Money, Stars or Time for Banks, Allowances and Chores
- Use the Setup Assistant to Quickly Setup the App
- Email & Direct Print Reports Using AirPrint
- Parental Controls
- Automatic Local Backup
- Full World Currency Support
- Parent Themes - Including Dark Mode

SIMPLE AND FUN
iAllowance may look simple at first glance - the bookshelves and chalkboard make this app very approachable. However, iAllowance is a powerful family finance management system, allowing you to set up scheduled payouts, deduct expenditures, and show category totals - even search for a specific transaction!

SUPPORT FOR MULTIPLE CHILDREN
You can setup iAllowance to track the finances for all your kids, each with a separate photo for easy identification and as many banks as you desire.

UNLIMITED NUMBER OF BANKS
Kids are very busy these days. From general spending money to clothing allowances, gas money to cell phones accounts, kids and parents have a lot to keep track of in today's world. With iAllowance, you can create an unlimited number of banks for each of your kids. Each bank has its own transaction list where you can add, edit and delete transactions as often as you need to.

If you don't want to use real money, you can setup any bank to use stars or even time. Mix and match star, time and real money banks to make iAllowance work best for you. Furthermore, you can assign an optional interest rate to any of the banks to help teach your children the value of saving money over the long term.

AUTOMATIC ALLOWANCES
Let iAllowance do the remembering for you! It's easy to set up any number of allowances that will pay out automatically at repeating intervals. Each allowance can be set up to pay into one or more of the child's banks. There is no need to setup a single allowance for each bank.

CHORES
Track all your children's chores with iAllowance. Get your kids involved in the process and watch the chores get done! Use the reminders to push alerts to your kids - even if iAllowance is not running.

REWARDS
Kids are more motivated when they have goals to work towards. You can setup rewards that you can choose to 'cash in' when you child reaches the set goal.

PARENTAL CONTROLS
We feel that it's important to get your kids involved in managing their own finances, but it is also important that you have a choice as to whether or not they can edit the information. By turning on the built-in parental controls, you can restrict your kids to a view only mode while you maintain full editorial control for yourself.

INSTANT SYNC
You can instantly sync your data between devices using your free iAllowance account. All your data is backed up on your iAllowance account automatically. There is no need to worry about losing your data.

We are certain that iAllowance will meet all your family finance needs. So, make the leap with Jump Gap Software's iAllowance.

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.