Top Personal Finance Apps for iPhone & iPad

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

Free Apps

Rank App Details
1

PayPal: Mobile Cash

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

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

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

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

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

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

SEND MONEY TO PAYPAL ACCOUNTS AROUND THE WORLD*
We make it easy to send money internationally. Choose from a range of currencies to help maximize the value of your dollar with our competitive fees. Sender and recipient must have a PayPal account.
2

Barclays Mobile Banking

Barclays Mobile Banking app

Our app has been named the top-ranked UK banking app* in The Forrester Banking Wave™: European Mobile Apps, Q2 2018 report.


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

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

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

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

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

*The report evaluated 12 leading European banks, including three UK banks.

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

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

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

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

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

NatWest Mobile Banking

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

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

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

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

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

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

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

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

To enjoy all of the features that our app offers, you will need to accept the following permissions:
•Network communication for connectivity
•Your location to find your nearest cash machine or branch
•Access to your contacts list to allow you to Pay Your Contacts

By downloading this application, you are accepting the terms and conditions which can be viewed at natwest.com/mobileterms. We recommend that you save or print a copy of the terms and conditions and privacy policy for your records.
4

Lloyds Bank Mobile Banking

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

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

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

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

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

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

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

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

* Touch ID requires at least iPhone 5s running iOS 10.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models).
** Face ID requires iPhone X.

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

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

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

Lloyds Bank plc (registered in England and Wales (no. 2065), registered office: 25 Gresham Street, London EC2V 7HN). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.
5

Halifax Mobile Banking

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

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

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

A FEW EXTRAS
- Cards lost or stolen? Panic over: just cancel and replace them with the app.
- Earn as you spend with Cashback Extras.
- Apply for loans, savings, cards and more
- Call us quickly and safely from the app – we’ll already know it’s you so can connect you without the usual security checks.

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

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

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

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

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

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

* Touch ID requires at least iPhone 5s running iOS 10.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models).
** Face ID requires iPhone X.

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

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

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

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

HSBC UK Mobile Banking

Welcome to your brand new HSBC UK Mobile Banking app!

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

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

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

HSBC is committed to providing digital applications that are accessible to all its customers. We take this responsibility very seriously; accessibility will continue to be a major consideration as we develop the app, and improvements will be delivered in future updates.
7

Santander Mobile Banking

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

You can:
•log on with Touch ID, Face ID or your security details
•see your running account balances and 7 years’ worth of transactions
•move money between your Santander accounts, or pay somebody else
•pay somebody using just their mobile phone number through Paym
•view the interest rate on your savings accounts and bonds to make sure you’re getting the best from your money
•see information about your ISA, including your interest rate and your remaining tax-free allowance
•find details about your unsecured personal loan to help you manage your repayments
•view and cancel your Direct Debits
•set up, view and delete standing orders
•get alerts when you’re nearing your credit card limit to help you effectively manage your account and avoid fees
•view alerts
•choose your Retailer Offers and get cashback at top retailers, just by spending on your Santander credit or debit card
•be confident your details are secure - we’ll automatically log you off when you send the app to the background

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

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

Important information

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

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

(English language only)

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

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

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

Nationwide Mobile Banking

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

**Features**

Manage your money
• Set up and pay a new payee*
• See pending transactions for your current account(s)
• Report your debit and credit cards as lost or stolen
• Complete a balance transfer to your Nationwide credit card*
• Log in with Touch ID or Face ID** – Fast, simple & secure access to your accounts
• Transaction history – View the last 15 months' activity on your Current, Credit Card and Savings accounts plus 24 months of your mortgage payments
• Search transactions – Helps you track down a particular payment quickly and easily
• Payments and transfers – Send money to existing payees, now or on a future date
• Manage payments – View and cancel regular payments/Direct Debits
• Pay a contact using their mobile number – Send and receive money via Paym with just a mobile number
• Cash flow bars – Your monthly spending habits made simple and visual
• Quick Balance – See your balance without the need to log in
• Apple Watch compatible – Check your balances with just a flick of your wrist
• View your customer number and the contact details we have on file for you

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

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

*You'll need your card reader for added security
**Device and operating system compatibility requirements apply
9

ClearScore - credit tracker

Ready to take control? Get your credit score and report for free, and track your spending, repayments, credit cards, loans and more. All in one place. So whether you want to improve your score, get a great mortgage deal, or reduce your debt, ClearScore make managing money easy.

Features:

- Track your finances and find out what’s affecting them
- Check your free credit score and report
- Get alerts when something’s changing on your report
- See your eligibility for credit cards, loans, car finance deals and more
- Reach your goals with free, personalised Coaching plans

Signing up is easy:

1. Enter some details about yourself (no bank details needed)
2. We’ll ask you some secret security questions
3. Start tracking your credit score and finances, for free, forever!

- We’re safe and secure
- We’re FCA regulated
- We never sell your details or send you spam
10

Monzo Bank

Monzo is building the bank of the future.

We're doing things differently. For too long, banking has been obtuse, complex and opaque.
We want to change that and build a bank with everyone, for everyone. This isn’t banking as you know it.

A full UK bank and current account that’s as smart as your phone and accessible within seconds for your everyday banking needs. Join today to receive your free hot coral card. Manage your money. Travel easily. Send money in seconds. Keep your money safe.

Join more than 600,000 people who have used Monzo in over 180 countries and become part of the banking revolution!


MANAGE YOUR MONEY

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

TRAVEL EASILY

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

SEND MONEY QUICKLY

• Pay people in seconds
Send bank transfers that arrive pretty much instantly.
• Set up Direct Debits and standing orders
Manage recurring payments from your app.
• Split the bill
Get paid back for that meal you had with friends.

KEEP YOUR MONEY SAFE

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

AND MORE!

• 24/7 customer support
• Fair and transparent overdrafts


What people are saying about Monzo:

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


Rank App Details
1

Pennies – Budget and Expenses

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

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

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


••• MAIN FEATURES •••

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

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

Debt Manager

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

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

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

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

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

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

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

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

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

*** Features ***
--------------------
√ 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
3

BA II Plus(tm) Financial Calculator

Exact capabilities of the best-selling financial calculator from Texas Instruments – the BA II Plus. Easier to use than other financial calculators, including the HP 12C. Cool, convenient and affordably priced. The smart choice in financial calculators for business professionals and college students, in corporate and university settings.

FULL RANGE OF FINANCE AND SCIENCE FUNCTIONS
• Solves Time-Value-of-Money (TVM) calculations
• Generates amortization schedules
• Performs cash-flow analysis, and computes NPV and IRR
• Calculates depreciation with four different methodologies
• Breakeven, profit and percent difference calculations
• Date function to determine days between dates
• Evaluates bond prices and yields “to maturity” or “to call”
• Scientific capabilities include trig. and log. functions
• Memory stores 10 values and Constant Memory™ retains them
• Choice of chain or Algebraic Operating System methods
• Key click sounds enabled optionally via Settings
• Switches to 2nd functions fast with one-touch 2nd function key
• TVM P/Y=1 default matches current BA II Plus calculator

FOR BUSINESS ADMINISTRATION CURRICULUM
• Accounting
• Economics
• Finance
• Marketing
• Mathematics
• Real Estate
• Science
• Statistics
4

My Piggy Bank

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

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

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

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

The simple and easy to use interface makes it a great app for teaching kids and teens the basics of money management.
5

Monthly Budget App

Having hard time tracking your income and expenses? Need to track your account transactions? Do you find it difficult to manage your account statements?

Income and expense tracking, budgeting, accounting on your tablet, phone and browser. Monthly Budget App is a seamless application that helps you get a comprehensive view of your yearly income, spendings, goals, account balance and statements.

Organize, itemize and swipe through your income and expenses details. Keep yourself updated about your budget without cumbersome paperwork.

Key Features:

Budgeting
Create the budgeted entries for your income and expenses including but not limited to housing, food, transportation, clothes and personal services, healthcare, entertainment, education, contributions and debt payments, and their sub-categories, on a monthly and yearly basis.

Enter the actual entries for your yearly expenses and compare it with the corresponding budgeted entries.

Get the average budgeted yearly values with respect to your monthly entries.


Analysis:
Graphically visualize different kinds of expenses incurred to the total yearly expense.

Analyze how your monthly and annual savings change with the addition of income and expenses through bar graphs.

Monitor your daily expenses, % spending and weigh against the assigned budget through an expense tracker.


Check Book Register and Account Balance
Keep a personal record of your account transactions.

Add and edit details like account number, description, credit/debit values on a simple interface.


Account Statements
List the purchases, payments and other debits and credits for your account and generate the billing statement.


Goals:
Set goals for managing your budget on a monthly, quarterly, half-yearly or yearly basis.

Create what-if scenarios for your income and expenses to better manage and plan your finances.


Save and Share:
The app not only provides you the yearly plan, but also lets you save it, so you can see and keep a track of your progress over time.


If you would like to share the goals and the budget with your family members, advisers and business partners, simply tap e-mail, to send the information instantly anytime and anywhere.

Alternatively, you can locally save, email and print the details about your family income, expense, savings, account statements, goals and account balance.

Budgeting and account tracking made simpler with Monthly Budget App.

Record. Track. Simplify. Save.

Looking forward to hear from you at marketing@tickervalue.com.
6

My Weekly Budget - MyWB

My Weekly Budget® (MyWB) can help you keep more money in your pocket. Save money with this real-time budgeting app! It is SIMPLE - but powerful, MyWB is the easiest way to keep track of your spending and take control of your personal budget! MyWB allows you focus on a budget target for the current week and helps you focus on your day to day spending. Tracking your spending on MyWB and using it daily is all you need to stay within your spending budget, allowing you to save money over time! It is easy to use, incredibly straight forward! This app helped many people save money!

How to use My Weekly Budget® (MyWB) :
1. Select the day of the week you would like as your start day
2. Set yourself a budget target for the week
3. Enter your spending with a uniquely simple, straight forward interface
4. Instantly see your spending compared to your budget

Additional MyWB features include:
• Snapshot of how much of your budget you have used
• Ability to review your spending patterns - find out where your money is going!
• Ability to export your spending information from MyWB to other applications on your computer or via email
• View full History of your spending, sortable by date, price, alphabetically, or even group similar items together

At the end of each period, a brief summary is presented showing how well (or badly?!) you have done against your spending target. Any money not spent may be carried over to the next period, so you can reward yourself with higher spending or choose to save it for a rainy day! Any money you received (birthday presents, cash-back on a pair of shoes you returned etc.) may also be added to your current period's spending plan if you choose.

This personal finance app is easy to use and easy to understand, and yet allows you to customize features to match your budgeting needs.

MyWB is flexible and can be customized to fit your personal spending habits:
• Create your own spending categories
• Supports all international currencies
• Select your preferred date format
• Create a list of your Favorite Categories
• Add/Delete and Search your Categories

My Weekly Budget® (MyWB) can help anyone save money, including:
+ Anyone living on a budget
+ Anyone looking to save money
+ Teens
+ College Students
+ Professionals
+ Couples
+ Seniors

My Weekly Budget® (MyWB) is the easiest way to keep track of your spending and take control of your personal budget!
7

HomeBudget with Sync

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

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

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

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

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

KEY FEATURES:

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

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

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

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

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

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

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

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

Visit http://www.anishu.com to see more screenshots, and to download the user guide (PDF, 42 pages).
8

Balance Guide - My Accounts and Checkbook Tracking

Track past and future spending with the awesome forecast feature!!

A guide to your account balance, simple to use and not aimed at accountants. Makes it easy to plan a budget and see the status of your account with upcoming bills and see where your money is going.

With Balance Guide you can quickly setup your recurring bills and deposits and produce a forecast of your finances for the months ahead. Later, you don't have to worry about entering all your transactions from your bank statement with the added bonus that you can easily correct your balance at any time.

FEATURES

- Multiple Accounts, transfer between account

- Setup recurring transactions for forecasting

- Forecast calendar

- Includes optimisation for larger iPhones.

- Clear / light colour scheme

- All accounts summary information (not available for iPhone 4s)

- Pie charts / graphs to show your financial status

- Backup / Restore with Dropbox

- Simple customizable of categories to group your transactions e.g. "Utility Bills"

- Tutorial / walk through showing you how to get started

- Help pages, if you need to read about functionality in more depth

- Correct balance at any time, so you don't need to enter all your transactions

- PIN security, to protect your information from prying eyes

REVIEWS

Works great! *****
Let's you look ahead to see what will happen with your balance if you buy this or that. An awesome tool!

Balance guide *****
This is an awesome app, I love how I can transfer between accounts n they all sync with each other. I don't have to go to my checking & record what I want to save and then go my savings and put it in there as well. I would give it 10 stars if I could. :-}

Checkout our Demo video - http://youtu.be/3NrxZE_yFag

SUPPORT

Balance Guide uses the default currency set on your device, so there’s no complicated setup / installation.

If you need help there are several methods available. Firstly, the tutorial, which is a kind of walkthrough. There’s also helps pages, providing in depth information.

How to ask questions and contact us -
- Email support@balanceguideapp.com and we'll be happy to help.
- Follow us on twitter http://twitter.com/BalanceGuideApp
- Like us on facebook https://www.facebook.com/balanceguideapp

NOTE: We are unable to respond to bug reports left in reviews.

Each new version wipes out all old reviews so please take the time to leave a review for the new version. As it’s not possible to reply to reviews on the app store, please use the new feedback and survey features to tell us what you think. You can also join our beta programme and gain access to new features early.
9

Debts Break Pro - Snowball Method and Debt Tracker

Debts Break will save more money than $1.99.

The mission of this app is helping you become debts free by Snowball method which is most popular used and recommended by many financial experts.

There are five strategies provided, Highest Interest Rate First, Lowest Balance First. Highest Balance First, Earliest Payment Date First and Custom Order, Debts Break will show you pay off date and interest saved by each strategy. Use this app to manage your debts and track the pay off processes visually.

Key Features:
⁃ Shows remaining balance, monthly payments, paid amount and percentage of each debt.
⁃ Update remaining balance automatically.
⁃ Lists payment logs, mark them as paid or unpaid.
⁃ Add extra payment for any debts.
⁃ Supports zero interest rate.
⁃ Add notification for each debt.
⁃ Send Debt payments by email.
⁃ Five Snowball Payoff plan: Highest Interest Rate First, Lowest Balance First, Highest Balance First, Earliest Payment Date First and Custom Order.
⁃ Shows pay off date and interest saving of each strategy.
⁃ Turn Snowball method ON or OFF.
⁃ Four calculators: Loan, Payoff Date and Mortgage and Affordable Loan, send amortizations out by email.
⁃ Reports for percentage and balance amount of each debt, pie chart for balance and interest. Chart view of monthly amount of each debt. Chart view of yearly total debts payment and each debt.
⁃ Passcode protection.
⁃ Supports Touch ID as passcode.
⁃ Supports Wifi Backup and Restore.
⁃ Supports iCloud Backup and Restore.
⁃ Supports universal version (available on both iPhone and iPad).
⁃ Adds 3D Touch function.
⁃ Supports Apple Watch.

If you have any question, please email to thelinklinks@gmail.com.
10

British Pound Sterling PRO: Foreign exchange rates & currency converter of British Pounds to Euros, US dollars and Russian Ruble.

British Pound PRO is an easy to use app, showing real time exchange rates of British Pound Sterling.
Includes simle currency converter, anonymous chat and scrolling text with latest UK news.

Features:
1. Online rates of British Pound to US dollars, Euro and Russian Ruble.
2. Simple currency converter. Just enter the value in Pounds.
3. Anonymous chat. Discuss hot topics and share opinions.
4. Very simple interface. Tap to refresh, slide left to share.
5. Shows latest UK economical and political news.
6. Push notifications (can be turned off by user)
7. Share on Facebook and Twitter.
8. NO ADS!

Rankings are taken directly from iTunes.