Money Watch – Personal Finance Blog

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.

MAKE YOUR MONEY MORE MONZO

Images and description are relevant for the UK only.

Hi, we're Monzo – a bank that lives on your phone.

Numbers are kind of our thing. Here are a few of our favourites:

16 million: how many people bank with us
1 million: how many businesses bank with us
24/7: the hours and days you can chat to our customer support

OPEN A FREE MOBILE BANK ACCOUNT IN MINUTES
Track spending, save money, split bills and manage your finances, all in one app
Sent money by mistake? Undo a payment within seconds before it leaves your account

GET TO KNOW WHERE YOUR MONEY GOES
Get instant notifications when money comes in and out of your account
Learn about your spending habits with weekly and monthly insights
Schedule your bills or regular monthly payments and manage subscriptions
Get that payday feeling one business day early when your salary is paid via Bacs
Free yourself from travel fees. Pay anywhere, in any currency on your debit or credit card (we pass Mastercard's exchange rate directly onto you, without hidden fees)

SUPERCHARGE YOUR SAVINGS WITH POTS
Create personalised Pots to separate spending money and savings
Turn spare change into savings with automatic roundups
Earn interest on money with Instant Access Savings Pots

SPLIT AND PAY THE MONZO WAY
Split bills, send reminders, and keep track of joint costs
Get paid back or make payments with a link (limits apply: £500 for requesting money and £250 for making payments with a link)

INVEST IN WHAT MATTERS TO YOU
Choose from a range of investing options to suit your interests, financial goals, and the level of risk you’re happy with
Start with as little as £1
Grow your investing know-how with bite-sized topics on investing essentials
The value of your investments may go up or down. You could get back less than you put in. UK residents 18+. Ts&Cs apply

MONZO FLEX: AN AWARD-WINNING CREDIT CARD
Monzo Flex is a credit card you can count on. It gives you real-time balance updates, a credit limit up to £10,000 and a 0% offer you can use time and time again.

Protect eligible purchases made with the Flex card with Section 75 Protection
Apply from your Monzo bank account. Eligibility criteria & Ts&Cs apply. 18+. Not keeping up with payments may negatively impact credit score
Representative example: 29% APR representative (variable). £1200 credit limit. 29% yearly interest (variable)

BUSINESS BANKING FEELS BETTER WITH MONZO
Monzo Business Banking helps small businesses stay on top of their finances. Voted Best Business Banking Provider at the 2024 British Bank Awards.

Choose from Lite for free or upgrade to Pro or Team from £9 p/month
Enjoy automated Tax Pots, multi-user access, invoicing, expense cards and more
Connect Xero, FreeAgent, Sage or QuickBooks for taxes and accounting
Send and receive money internationally: make payments from your bank account (depending on the currency, you may need a Wise account. Fees apply) and receive money from 40+ currencies via SWIFT
Only sole traders and limited company directors in the UK can apply. Ts&Cs apply.

TRUSTED BY MILLIONS
16 million customers and counting
Voted Best Business Banking Provider – 2024 British Bank Awards

Download Monzo today and join millions using mobile banking to make money simple.
Manage your finances, savings, travel payments, credit cards and business banking, all in one award-winning app.

Your eligible deposits in Monzo are protected by The Financial Services Compensation Scheme (FSCS) up to a value of £120,000 per person.

You'll need a Monzo current account to access Investments, Instant Access Savings Pots and the Monzo Flex Credit Card.

UK Residents only, Ts&Cs apply. Award is by Smart Money People.
Registered address: Broadwalk House, 5 Appold St, London EC2A 2AG

Join the 75+ 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
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.

Savings Account services provided by Cross River Bank, Member FDIC, insured up to $250,000.

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

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

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

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

Trading 212 Invest & ISA:

- Unlimited commission-free trades;
- 13,000+ Real Stocks and ETFs from the UK, the US, Germany, France, Spain, the Netherlands and others;
- High interest on your uninvested cash: 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;
- 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. 77% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.


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


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


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


Trading 212 is the following companies:

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

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

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

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

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

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

# You can use the app to: #

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

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.

UNLOCK YOUR KLARNA BALANCE²
Add money in the Klarna app and pay flexibly, anywhere you shop. Get instant refunds, earn cashback at eligible stores, and convert your cashback into money in your balance.

SAVE WITH KLARNA⁴
Earn interest with our flexible savings account – free to get started and no monthly fees.

KLARNA MOBILE
Get reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $35/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.

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 are not insured by the FDIC and are not deposits. Account disclosures: https://cdn.klarna.com/1.0/shared/content/legal/terms/0/en_us/tmp-balance-deposit-account-disclosures
Paid membership required for a physical card. A one-time plastic card fee applies.
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: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/tmp-klarna-membership-plan
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
⁴Annual Percentage Yield (APY) accurate as of June 1, 2026 and subject to change. Membership required to receive and maintain APY boost. Membership APY Boost only applies to balances up to $50,000. Excess balances earn the base interest rate. Fees may reduce earnings. Deposits in your savings 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 savings account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. See Account disclosures for current rates: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/klarna-savings-account-rates-and-fees
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.

Join over 11 million customers and download our NatWest mobile banking app today to make your day-to-day banking easy, quick and secure.

Why the NatWest app?

Manage your money easily and securely:
•Apply for current, savings, child, teen, Premier, and student accounts quickly. Eligibility criteria apply.
•See all your bank accounts straight from your Home screen.
•Freeze and unfreeze your card at any time (Mastercard only).
•Use Pots to set money aside from your main account for everyday needs and to stay in control of your spending.
•Set up fingerprint, voice or facial recognition for better security and to send high value payments in-app, amend payment limits and more. Fingerprint, voice or facial recognition are only available on selected devices.

Send, receive and access money quickly:
•Request money via a QR code or link.
•Send money faster with a personalised list of favourite payees.
•Split a bill up to £500 by sharing a payment request link with multiple people at once. (Eligible current accounts only. Payment requests can be sent to anyone with an eligible account with a participating UK bank and uses online or mobile banking. Paying bank criteria and limits may apply.)
•iPhone only: Get Cash in emergencies with a unique code without using your card. You can withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (locked or unlocked).

Stay on top of your spending and saving:
•Keep track of payments all in one place.
•Save your spare change with Round Ups if you have an eligible current account and instant access savings account. Round Ups can only be made on debit card and contactless payments in Sterling.
•Budget easily by managing your monthly spending and set categories.
•Turn on push notifications to get alerted when money reaches or leaves your account.

Get support for every life event:
•Spend abroad in Euros and US Dollars without fees or charges by applying for a Travel account. You must have enough money in your travel account. To apply for a Travel account, you need an eligible sole current account and to be over 18. Other terms and fees may apply.
•Get updates on your credit score and insight on how to improve it. Your credit score data is provided by TransUnion and is only available to customers over 18, with a UK address.
•Discover our additional products and services, including mortgages, home and life insurance and loans, in one place.
•Fast track your money goals with the help of our handy plans, tools and tips.

Important info:

Please note, the app contains images when logging in that may cause a reaction in individuals who are photosensitive. You can switch these off for your device by visiting the settings menu and the accessibility menu, where you will be able to find motion and visual control settings within the menu (note this is not within our app, but in the settings of your device itself).

Our app is available to customers aged 11+ with a UK or international mobile number in specific countries. Be aware that some features and products have age restrictions and are only available if you’re over 16 or 18.

By downloading this app, you’re accepting our Terms and Conditions, which can be viewed at natwest.com/mobileterms.

Please save or print a copy along with the Privacy Policy for your record.

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).

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.

Expense claims don’t need to be complicated.

ForcesClaims is a simple, secure app designed to help service personnel track expenses, manage receipts, and stay on top of allowances during events, exercises, and deployments.
Whether you’re submitting a single claim or managing multiple events, ForcesClaims keeps everything organised in one place.

Key features
• Create events and track claim limits
• Scan or upload receipts using your camera or photo library
• Automatically extract totals from receipts using AI
• Track daily and remaining allowance amounts. No matter what country you are in, ForcesClaims can tell you what the daily allowance is according to JSP 752.
• Organise claims by status (draft, submitted, paid)
• Secure, on-device storage — your data stays on your phone
• Track Motor Mileage Allowance (MMA) claims and create a log of business miles to evidence your HMRC tax claim at the end of the tax year.
Designed with real workflows in mind
ForcesClaims is built around how expense claims actually work, helping you avoid lost receipts, missed limits, and unnecessary admin.

Privacy first: All data is stored locally on your device. ForcesClaims does not require an account and does not share your data with third parties.

ForcesClaims is an independent app and is not affiliated with or endorsed by the Ministry of Defence.

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 2026/27, 2025/26, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 18 & iOS 26.

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.

***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.

One upfront purchase. No adverts. No subscriptions. No bank connection.
SteadyMonth is a simple, private way to understand your monthly cashflow without spreadsheets.

Build your monthly budget by entering expected income and expenses. As money arrives or leaves your account, tick each item off and SteadyMonth updates what has happened, what is still outstanding and what should remain.

Features:
• Plan income and expenses in one clear monthly budget
• See expected money left after everything
• Track income received and expenses paid
• Check what is still to come in and still to leave
• Review and return to previous months
• Use optional tools for a bills account, informal money you owe, overdraft goals and credit-card APR reminders
• Export your budget to an Excel workbook
• Protect the app with a PIN and Face ID

Your information stays on your device. SteadyMonth does not connect to your bank, create an online account, show adverts or use analytics.

SteadyMonth is a budgeting and cashflow-planning tool. It does not provide financial advice, banking services or guarantees about your account balance.

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).

Abundance is a private, simple budgeting app designed for people who want clarity without bank linking.

Plan your income, organise monthly spending, track bills, and build savings goals in a calm budgeting system that replaces messy spreadsheets and overcomplicated finance apps.

Abundance focuses on intentional planning. Instead of importing bank transactions, you build a clear monthly plan and see exactly what is coming in, what is going out, and what is left.

PRIVATE BY DESIGN

Abundance is built with privacy as a core principle.

• No bank linking
• No ad tracking
• No analytics collecting your financial data
• No subscriptions

Your budgeting data stays on your device and can optionally sync across your Apple devices using iCloud.

PLAN YOUR MONTH WITH CLARITY

Start with your income, organise spending into categories, and instantly see your disposable income for the month.

Understand exactly how much you have available after planned spending.

TRACK BILLS WITH TO PAY

Outgoing items automatically create a To Pay checklist so you can tick off bills as you pay them.

Add due days to stay organised and see what still needs paying this month.

PAYDAY BUDGETING

Set your payday and receive reminders that help keep your budgeting routine on track.

Your To Pay checklist can automatically reset each payday so every month starts clean.

TURN GOALS INTO REAL PLANS

Set a savings target and see exactly how much you need to save each month.

Goals can be added directly into your budget as planned contributions.

PLAN FUTURE SCENARIOS

Create what-if scenarios to experiment with changes to your budget without affecting your live plan.

Perfect for preparing for upcoming costs or testing financial decisions.

PRIVATE DEBT TRACKING

Track debts, balances, notes and payoff dates in one place without mixing them into your main budget totals.

FEATURES

• Disposable-income focused budgeting
• Income source management
• Categories with item-level planning
• To Pay bill checklist
• Payday reminders
• Savings goal calculator
• Future budget scenarios
• Private debt tracking
• Monthly progress insights
• iCloud sync across your Apple devices
• Export and import backups
• Multiple currencies and languages

Abundance is designed to make budgeting calmer, clearer, and more intentional.

iSpreadsheet is a free, simple to use yet powerfull mobile spreadsheet Application for your iPhone & iPad. Quickly create beautiful spreadsheets that are compatible with major office solutions such as Excel and Numbers.

iSpreadsheet is built from the ground up for iPhone and iPad so it runs very fast even on older devices. And iSpreadsheet works seamlessly with a myriad of file transfer and storage options including: Windows SMB Network Share, Box, Dropbox, Google Drive, Docs, OneDrive, iCloud and more.

Supports Formatting and Formulas. Uses CSV comma separated file format for maximum compatibility. Can read numbers and excel xls xlsx files too!

FEATURES:
• Google Docs Integration
• iCloud & iCloud Drive Integration
• Manage both online and offline worksheets
• Portrait & Wide-screen Landscape view
• Load .XLS and .CSV files from Google Documents. (without formatting)
• Save in .CSV format (RFC 4180 compliant)
• Manage multiple Spreadsheets
• Execute complex arithmetic formulas
• Access a useful subset of Excel formulas
• Cell Formatting
• Column Resizing
• Clipboard Copy Paste
• Column Row Insert
• Progressive Loading
• Fluid Graphics
• Familiar Interface
• Online help
• Offline formula wizard
• Context Aware Toolbar
• Autosave & Recovery
• Free Updates


More Free iPhone Apps:
http://www.savysoda.com

You can easly and quickly discount or save point when you purchase any goods by The membership widget management as a group, such as membership cards, earn card, coupons.

In this situation you need it!
- if you need More than one carddiscounts, Earn) at a convenience store
- (Wi-Fi /LTE) speed is slow so can't show the points card in smart phone. Did you said "Wait" in front of the casher? Membership widgets do not network communications.

- To find a point card that can be installed on my phone If you're looking for a lot App, Membership widget can be accessed quickly by providing'm iOS widget (Today Extension) feature.

- Coupon Management (I did try to use the coupons expire been deleted knew or used.)
ex> When the registration is valid for a coupon before the expiration date set tells a push.
Please check that you have used coupons are already used ^. ~

* iOS 10 App Widget compact mode support
If iOS 10 Widget compact mode App is running to move to the item
( Widget compact mode will not be changed widget size, more widgets using the widget Barcode available )

* Key Features
1. Widget Barcode
2. Apple Watch support ( Complication support )
3. Coupon Registration / Management
4. Push Notification when reaching the effective date
5. Provide multiple affiliate card, the coupon bar codes on one screen
6. Discounts and earn combinations recommended by Store
7. Managing disposal: Groups, cards, coupons, offers direct enrollment
8. Custom ( group card) registration Support
9. Backup and recovery support
10. Card support in 42 countries ( 3,000 cards )

Other errors and improvement proposals will thank you http://www.facebook.com/mswidget , http://www.instagram.com/ms_widget official site or membershipwidget@gmail.com.

SignalScope puts every common stock signal in one clean, honest view.

Search any US ticker and instantly see what the indicators are saying — RSI, MACD and moving-average trend computed from real price history, plus analyst rating consensus and news-headline sentiment — combined into a single signal-agreement score.

What you get:
• Signals — a live price header, a signal-agreement gauge, a 120-day chart, and a weighted breakdown of every indicator with a plain-English summary.
• Discover — scan the market and see which stocks have the strongest bullish or bearish signal agreement right now.
• Watchlist — star tickers and track their signal read at a glance.
• Alerts — set a signal-agreement threshold and get notified when a watched stock crosses it.
• Illustrative options ideas — an educational look at how a signal lean could be expressed as an options strategy (modelled, not live-priced).

What SignalScope is — and isn't:
SignalScope is an informational dashboard, not a predictor and not financial advice. The score measures how much the indicators agree — not the probability of profit. It won't tell you what to buy. It shows you, transparently, what the common signals say, so you can do your own research.

Informational only — not financial advice. Investing involves risk, including possible loss of principal. Past signals don't guarantee future results.

Road Trip is the fastest and easiest app for tracking of your car’s fuel economy, maintenance history, and expenses.

Road Trip is a one-time purchase. There are no ads, subscriptions, or recurring fees. Your data is always private.

Remember to checkout Road Trip Lite and Road Trip HD for the iPad.
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"There’s a ton of MPG apps on the App Store but Road Trip is the best because of its amazingly dense summary screen and its best in class fuel entry screen."
— Jason D. O'Grady, zdnet.com

"The most comprehensive road travel app of them all, Road Trip allows you to track mileage, fuel prices, graph out trip expenses, and even export the data to CSV"
— Ben Parr, mashable.com

"The part we like the most is the cool graph that shows fuel costs and average mpg over time. And it lets you look at the cost per day to keep those wheels turning."
— Car and Driver Magazine
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Road Trip will…
• Track your fuel economy and fuel costs.
• Track your maintenance history.
• Track and compare your vacations and trip costs.
• Remind you when regular maintenance is due.
• Prevent expensive premature maintenance.
• Show you how much money you spend on your car.

FEATURES
• Mileage and fuel economy tracking.
• Service and repair log, with service reminders.
• Expense tracking.
• Trip tracking and reporting.
• Comprehensive statistics.
• Full international support (Metric, US, and Imperial units).
• Unlimited number of vehicles.
• Full screen, interactive graphs.
• Customizable Shortcuts
• Home Screen Quick Actions
• Siri voice integration

COMPREHENSIVE STATISTICS
• All key statistics and graphs on a single page.
• Cost per day, Cost per km, Moving Average.
• Maximum distance per tank.
• Monthly and Yearly distance and cost estimates.
• Vehicle depreciation statistics.

AUTOMATIC BACKUP AND SYNC
• Automatically sync between multiple of iOS device using Dropbox or iCloud.
• Automatically backup to Dropbox, including CSV files.

PRIVACY
• Your Road Trip data always remains private. We do not collect data from your iOS device, and we do not have access to the data you store in iCloud or Dropbox.

ADVANCED FEATURES
• Tripmeter or Odometer distance entry.
• Partial fill-ups, Same-day fill-ups, and Missed fill-ups.
• Currency Conversion.
• Geo-tagging and mapping.
• Searching and filtering.
• Jerrycan Fuel Tracking.
• Trip Cost Calculator.
• Distance-To-Empty Calculator.
• Tire log, including support for summer and winter tires.
• Distance correction for inaccurate odometers.
• Monthly and Yearly distance and cost estimates.
• Trip Computer Logging (fuel economy, average speed, temperature)
• Graphs for comparing MPG vs. Fuel Type, Driving Conditions, Average Speed, and Temperature.
• Odometer replacement.
• Vehicle purchase price and depreciation tracking.

• Import and Export CSV

• Electric vehicle tracking (in kW.h)
• Home electricity tracking (in kW.h)
• Motorboat tracking (in Hours)
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Lots more information and screen shots on the website:
https://darrensoft.ca/roadtrip/

Questions? Suggestions? We want to hear from you!
Email us: support@darrensoft.ca