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

The Barclays app

HOW TO REGISTER
If you’re 16 or over and you have a UK-registered mobile number and a Barclays current account or Barclaycard, you can register for the app. You’ll need the 16 digit number off your card, then follow the onscreen instructions. Some customers may be required to verify their 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. Then you can set up Touch ID or Face ID to log in faster in future.

THE BENEFITS
• Log in quickly and securely when you set up access through Touch ID or Face ID
• 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 can take up to 4 days for this feature to be activated in the app while we complete some security checks
• Call us straight from the app to speak to an adviser
• No need to log in to lots of apps - view your current accounts held with other banks, safely and securely, in your app
• 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 app.

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

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

Copyright © Barclays 2020. 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. If you aren't already, you can do this when registering for the mobile app.
• 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.

• Personalise your app – customise how you view your accounts in your app and your own personal greeting.

• 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 £750.

• Manage receipts – Business and Premier customers can capture and store receipt images that will then be automatically matched to your transactions.

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 £750 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 and Premier 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’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 or iPad on you, it’s the simplest 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
- View individual transaction details
- 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 freeze debit card transactions, report lost or stolen cards and order replacements
- Reset your password or request a new PIN
- Update the your contact details
- Call us safely from the app – we’ll already know it’s you so can quickly connect you without the usual security checks.

GETTING STARTED
New to this app? Setting it up is quick and easy – you just need to register your device. For this you’ll need:
- 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.


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.

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

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

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 either iPhone X or later models, or iPad Pro with Face ID capability (2018 onwards).

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

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 conditions apply.

Save the Change® is a registered trademark of Lloyds Bank plc.

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.

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
- Earn as you spend with Cashback Extras
- Apply for loans, savings, cards and more
- Call us safely from the app – we’ll already know it’s you so can quickly connect you without the usual security checks.

STAY SAFE
- Freeze card transactions if you’ve temporarily misplaced your debit card or want to restrict how it’s used
- Report lost or stolen cards
- Order replacement cards and PINs
- Reset your Online Banking password
- Update the contact details we have for you.

GETTING STARTED
New to this app? No problem. Just register your device and you’re ready to go. For this 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.

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

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

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 either iPhone X or later models, or iPad Pro with Face ID capability (2018 onwards).

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

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.

Save the Change® is a registered trademark of Lloyds Bank plc and is used under licence by Bank of Scotland plc.

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

Premium Bonds prize checker

Are you one of this month’s lucky Premium Bonds winners? You could have won anything from £25 to the £1 million jackpot!

NS&I’s official Premium Bonds prize checker tells you instantly. It will:

•Allow you to check the latest available prize draw results for you using your NS&I number or holder’s number

•Store multiple NS&I and holder’s numbers so you can check your family’s Bonds as well

•Allow you to enter a name for each stored number, to help you easily identify whose results you are checking

•Check if you have any unclaimed prizes waiting for you

•Give you a countdown to the next available results

If you have NS&I Premium Bonds then use our FREE app to see whether you’ve won a prize in this month’s draw, or in the last six months. Just type in your NS&I number or holder’s number and see if you’ve won.

Remember that if your device is used by someone else (with or without your permission) and you have not set up a PIN, they will be able to see any information shown by the app, including the value of any prizes.

Before you download this app, please read the full terms of use at https://nsandi.com/prize-checker-app#terms
7

Trading 212

UK's #1 trading app.* Trade Stocks, Forex, Crypto, and Gold.
Capital at risk.

With Trading 212 you gain access to:

- 1900+ CFDs including Stocks, Forex, Gold, Oil, and Indices
- CFDs on Cryptocurrencies available 24/7 - Bitcoin, Ethereum, Litecoin, Ripple and more
- Tight spreads even at news time
- Smooth and easy to use charts for technical analysis
- Outstanding customer service - just try our live chat
- FREE lifetime practice account with virtual money

* Based on statistics by App Annie.

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. 76% 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 is offered by the following companies:

Trading 212 UK Ltd. authorised and regulated by the FCA (Register number 609146).
Trading 212 Ltd. authorised and regulated by the FSC, Bulgaria (Register number RG-03-0237).

Seller: Trading 212
8

Monzo - Mobile Banking

The UK's fastest-growing bank is coming to the US!

Your Monzo account is instant spending notifications, stress-free traveling, easy budgeting and support from real people, whenever you need it.

Always know how much money you have

Get on top of your spending with instant notifications every time you pay for something, with a balance that updates immediately, not days later.

Use your card anywhere

Whether it's with your hot coral debit card, or Apple Pay, Monzo works all around the world, and you don’t need to tell us when you're going.

Spend for free

We don’t charge fees for spending on your card, we don’t charge overdraft fees and we don’t mark up the exchange rate when you go abroad.

Pay people in seconds

Send and receive money free and instantly with other Monzo users, and say thanks with an emoji!

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

Money in your Monzo account is protected by FDIC, so you’re insured up to $250,000, and our anti-fraud systems make sure your money is safe, without adding friction for you.

The Monzo Mastercard Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated.

Monzo Inc. does not offer or provide banking services on its own behalf or for its affiliates and is not a bank. Monzo Inc. is wholly owned by Monzo Bank Limited. Monzo Bank Limited is a non-US bank, is not FDIC-insured, and does not offer or provide banking services in the United States or to US residents.
9

Cash App

Cash App is the easiest way to send, spend, save, and invest your money. It’s the SAFE, FAST, and FREE money app.

SAFE: Protect all of your payments with Face ID, Touch ID, or a passcode. Pause spending on your Cash Card with one tap if you misplace it.

FAST: Sign up and make your first payment in minutes. Instantly send and receive money from friends. Cash out from Cash App to your bank account instantly instead of waiting days.

FREE: Send and receive money at no cost. Get a completely free virtual Visa debit card in minutes, and we’ll mail you your custom physical debit card for free in under a week.

Here’s how it works:

* SIGN UP IN SECONDS *
It only takes a couple of minutes to download and sign up for Cash App. The signup process is simple and fast so that you can start using Cash App as quickly as possible.

* SEND AND RECEIVE CASH INSTANTLY *
Send, receive, and request cash from friends and family instantly with only a few taps. Cash App is the easiest way to pay a friend back for dinner or chip in on rent with your roommates.

* CUSTOM VISA DEBIT CARD *
Order your Cash Card (a customizable Visa debit card) directly from Cash App. You’ll instantly be able to make online purchases or add your Cash Card to Apple Pay for in-store purchases. Of course, we’ll also mail you your Cash Card in less than a week so you can use it to pay anywhere.

* INSTANT DISCOUNTS *
Cash Card is the only free debit card with instant discounts at your favorite stores and restaurants. These instant discounts - Boosts - are easy to use and are applied to Cash Card transactions instantly. Just select a given Boost in your app and then use your Cash Card to pay. It’s that simple. No points, no waiting, just instant savings.

* BITCOIN *
Cash App is the easiest way to buy, sell, deposit, and send Bitcoin. Track the BTC price in realtime in your app and buy as little as $1 of Bitcoin. Your BTC arrives in your app instantly and you can keep it safe in Cash App or choose to withdraw it.

* STOCKS *
Instantly begin investing commission-free with Cash App. You can buy as little as $1 of stock in top US companies. Track stock prices in realtime in your app and monitor the performance of your overall investment portfolio. Create a list of companies to follow so you can stay up to date on performance. Brokerage services provided by Cash App Investing LLC, member FINRA / SIPC. Investing involves risk; you may lose money. Investments are not FDIC insured.

* PAYCHECK DEPOSIT *
Get your paycheck deposited directly into Cash App. Instantly receive a personal account and routing number that lets you or your employer make deposits into your Cash App via traditional ACH transactions.
10

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.

Business customer? You’ll need to download our other app, ‘Santander Mobile Business Banking’ to manage your business accounts.

Manage your accounts
•See your running account balances and transaction history
•Check pending transactions for your current account and credit card
•See information about your Santander products to help you make the most of your money
•Temporarily freeze your debit or credit card (Mastercard) if its lost or stolen.
•If you’ve forgotten your card PIN, you can see it in the ‘Cards’ section of the ‘More’ menu

Quick, easy payments
•Move money between your Santander accounts, or pay somebody else
•Pay somebody using just their mobile phone number through Paym
•Manage your Direct Debits and standing orders
•Share payment confirmation through email, SMS or your messaging apps
•Use Touch ID, Face ID or your Security Number to authorise transactions made online, and consents with third party providers.


Your money, your way
•Choose your Retailer Offers and get cashback at top retailers, just by spending with your Santander credit or debit card
•See alerts you’ve set up to help keep you informed
•Set up the Quick Balance widget on your device’s Today View, and see the balance of your chosen account without having to log on to the app

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!

Remember …

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

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

(English language only)

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

Please make sure you have the latest Apple software on your phone so that our app runs smoothly. Your device will need to be running iOS version 10 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.


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

Stocks Pro : Real-time stock

StockPro - The most comprehensive stock app in the mobile world. Brings you free streaming live quotes, pre-market/after-hour quotes, portfolio monitoring, advanced full screen chart, push notification based alert, economic news, event/earnings calendar, market signal scans and many more...

StockPro is identical to the Full Version of "Real-time Stock Tracker", DO NOT download if you already purchased full version from Real-time Stock Tracker.

Feature Highlights:

-Multiple watch lists
-Multiple portfolios
-Real-time Alerts
-Real-Time streaming quotes
-Options
-Market single scans
-Global Indexes & Currencies
-Futures & Commodities
-Stock Screener
-Chart with 50+ technical indicators
-Paper Trade
-News, Events & Earnings

Feature Details:

---------------------------------------------
-== Watchlist and real time quotes ==-
---------------------------------------------
Free real-time streaming quotes, no more refresh, no more 15-20 min delay *
After hour and pre-market price
DJIA, NADAQ, S&P 500 futures
Prices are always associated with time, you will never be misled
Symbol lookup
Create unlimited watchlists
Add unlimited symbols to existing watchlist
Delete/Re-order your watch list and symbols

---------------------------------------------
-== Market single scans ==-
---------------------------------------------
52-week high/low
Strong Volume Gainer/Losser
50/200 MA Crossover
MACD Crossover
RSI Oversold/Overbought
Above/Below Bollinger Band
SAR Buy/Sell
ADX Uptrend/Downtrend
Aroon Uptrend/Downtrend
Gap Up/Down

---------------------------------------------
-== Stock details ==-
---------------------------------------------
Open, previous close, high/low, 54 week high/low, volume/avg volume
Earnings info for up to past 6 quarters
Next earning release date
Add coming earning release date to your calendar
Company news

---------------------------------------------
-== Option chain ==-
---------------------------------------------
Load option chain if available

---------------------------------------------
-== Chart ==-
---------------------------------------------
Simple line/candle chart
1, 5 day, 1,3,6 month and 1,2,5 year chart

Advanced Chart:
Intraday chart. 1min, 5min, 15min chart
MACD,RSI,Bollinger bands, Stochastic ...
More than 50 technical indicators and overlays


---------------------------------------------
-== Portfolio tracker ==-
---------------------------------------------
Create unlimited portfolios
Added unlimited positions to existing portfolio
Cash management
Delete/Re-order your portfolio and positions
Gain/Loss summary per portfolio
Gain/Loss details per position
Realized Gain/Loss and Gain/Loss summary in transaction log
Import portfolios from goog/yahoo finance

---------------------------------------------
-== Alerts ==-
---------------------------------------------
Setup unlimited push notification based alert
Backed by our streaming quote engine, alerts are run/triggered in seconds
Setup simple alerts based on price, price change/percent, volume
Trailing stop alert
Price on home screen (badge)


---------------------------------------------
-== Exchange supported ==-
---------------------------------------------
USA/CA
NYSE, NASDAQ, ASE, CBT, CME, NYB, CMX, NYM, OBB, PK, TOR, VAN

Europe
AMS, BAR, BER, BIL, CPH, DUS, EBS, FRA, GER, HAM, HAN, LSE, MAD, MCE, MIL, MUN, OSL, PAR, STO, STU, SWX, VIE

Asia Pac
ASX, BSE, CPH, HKG, JKT, KOE, KSE, NSI, NZE, SES, SHH, SHZ, TAI, TLV, TWO

---------------------------------------------
-== News and economic events ==-
---------------------------------------------
RSS news reader
Earnings calendar
Dividend calendar
Economic event calendar

* real-time quotes for USA stocks only
3

Balance Sheet

If you are a business owner, financial planner, accountant, treasurer or a financial controller for a small or mid-tier enterprise, and are looking for a cost effective, self-contained application for financial book summarising what your company owns and owes, Balance Sheet app is a good choice for you.

The app has been elegantly designed, is simple to use and suitable for the needs of service and retail businesses.

The app comes with in-built, easy to use and customizable balance sheet.

The app lets you save and re-use the income statements and other sheets, so you can see and keep a track of the financial progress of your business over time.

If you would like to share the financial statements with your business partners, investors and other stakeholders, simply tap e-mail, to send the information instantly anytime and anywhere. Alternatively, you can locally save, email and print the statements.

Financial book keeping and planning for your business has never been so easier.

We also develop custom Accounting apps for your company.

Please write to us at aspiringuserapps@gmail.com.
4

Nano Balance Sheet

Nano Balance Sheet is an application for obtaining the financial information (balance, etc.) about the company or person. It can be used for bookkeeping or management accounting. Process of data input and obtaining reports is simplified as much as possible and does not require special knowledge. It is more convenient to use this app on iPad.

You enter in the app all your business transactions, filling the Journals, and the application processes them according to the settings for each type of transaction and transferred to the General Ledger. The application generates following reports from General Ledger: Trial Balance, Balance Sheet, Income Statement, Capital Statement, Cash Flow, Debtors, Creditors.

Application already contains many types of customized business transactions. You can also easily adjust the other types of transactions.
Nano Balance Sheet offers user local options as well - with a local database which can be archived quickly as a .zip file as well and sent via email to any needed parties, shared via iCloud, or read instantly via iTunes.
5

Bills Monitor Pro

If you are looking for a smart, full-featured and easy to use App to manage your bills, Bills Monitor is the one.

Use this app to ensure that never late to pay bills.

Bills Monitor - Bill Manager & Reminder is designed to manage all kinds of your bills. Log your bills in this app, you can track or check them from time to time visually and conveniently, also it will remind you to pay your bill after setting its reminding days. Bills Monitor will help to make your schedule easier and every bill in control.

The design and UI face is clear and tidy, which makes you manage the bills very easy and comfortable.

Features:

⁃ Calendar view of bills.
⁃ Indentify the state of bills by individual icon on them.
⁃ Add bills with their categories, amount, due date, pay account, recurring or not, recurring end date if available, paid amount, and note.
⁃ Remind when bill due date approaches or bills are over-due.
⁃ Mark payment to bills in full or in part.
⁃ Add recurring bills with frequency and end date conveniently.
⁃ Show number of unpaid overdue bills on icon.
⁃ Twenty system own categories and you can customize your own.
⁃ Report function to show categories (allocation) of bills by pie chart.
⁃ Customize period to email bills to your Financial Consultant or others in format of CSV, HTML or PDF.
⁃ Search your bills by key words of name, note, category, and account.
⁃ Passcode function to protect your info.
⁃ Supports Touch ID as passcode.
⁃ Add account’s name, phone No., website, and note.
⁃ History to show all your bills.
⁃ Supports Wifi backup and restore.
⁃ Supports iCloud backup and restore.
⁃ Supports Dropbox backup and restore.
⁃ Supports Apple Watch version.
⁃ Supports Today Widget.
⁃ Supports 3D Touch function.

If you have any question or suggestion, please send email to Maxwellsoftware@gmail.com.
6

UK Tax Tool 2020

The premium UK Salary Tax Calculator which includes a Tax Rates Reference Guide and VAT Calculator.

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

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


SPECIAL FEATURES

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

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

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


CUSTOMER REVIEWS

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

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

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

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


OVERVIEW

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

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

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

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

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

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


ADDITIONAL FEATURES

• Instant calculations as you type
• Doesn't need an Internet connection
• Shows a detailed breakdown of the calculations, including Income Tax paid at each band
• Flexible periods: enter and view results annually, monthly, four weekly, fortnightly, weekly, daily or hourly
• Calculates your National Insurance contributions, as well as your employer's
• Includes a VAT calculator, with reverse function
• Calculates PAYE tax for tax years 2020/21, 2019/20, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 12 & iOS 13.

Optional Settings available:
• Scottish tax (SRIT) - all five bands from 2018 onwards
• Tax Codes - recognises L, S, M, N, K, T, P, X, Y, BR, D0, D1, NT, 0T, M1 and W1 codes
• Contributions to company pensions (as a percentage or fixed amount). Also supports salary sacrifice pensions and contributions taken from net pay
• Childcare Vouchers
• Student Loan repayments (Pre Sept 2012 and Post Sept 2012 schemes supported)
• Overtime and Bonuses (as a percentage or fixed amount)
• Tax deductions
• Benefits-in-kind
• Contributions to charities
• Salary sacrifice (three types)
• Regular deductions from net pay
• Marriage Allowance transfers
• High Income Child Benefit Charge estimation
• Ability to switch off National Insurance calculations if State Pension Age reached.
7

Savings Goals Pro

◆ Featured in the Telegraph Must-Have Apps List in the UK

◆ Featured in The Independent UK Newspaper

Are you saving for a house deposit, new car, holiday, household bill etc or putting money aside just in case?

Buy 'Savings Goals' and track your progress when saving. You enter a target amount and an optional target date by which you want to save this amount and the app suggests a savings schedule and tracks your progress. You can have as many separate Savings Goals as you need.

◆ Use a Target Date and the App will :
√ Calculate the Amount you need to save per Month/Week to reach your Goal by the Target Date
√ Calculate when you will reach your Goal if you save a certain amount per Month/Week
√ Produce a Savings Schedule showing when to add to your savings to reach your Goal

◆ Features a graphical display to show :
√ How much you have saved as a proportion of your Target
√ How close you are to your Target Date
√ Whether you are behind or ahead of schedule

◆ Customisable to suit your needs :
√ Save for any purpose! Name your Goal yourself
√ Saving Time Periods (per week/month etc) are fully customisable
√ Create as many Savings Goals as you need
√ Turn on Secure Entry to lock the App with an Entry Code if required
√ Customise the look of the App with Themes


Buy Savings Goals, keep track of your savings and save more !
8

BA II Plus™ Financial Calc

See the capabilities of the most advanced financial calculator from Texas Instruments — the BA II Plus™ Professional calculator. This calculator is a great choice for business professionals and college students, in both corporate and university settings.

FULL RANGE OF FINANCE AND SCIENCE FUNCTIONS
• Performs Time-Value-of-Money (TVM) calculations including annuities, loans, mortgages, leases and savings
• Generates amortization schedules
• Calculates IRR, MIRR, NPV and NFV for cash-flow analysis, storing up to 32 uneven cash flows with up to four-digit frequencies and edit inputs to analyze the impact of changes in variables
• Choose from six methods for calculating depreciation, book value and remaining depreciable amount
• One- and two- variable statistics, including list-based and editable, and four regression options: linear, logarithmic, exponential and power
• 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 trigonometric and logarithmic functions
• Memory stores 10 values and Constant Memory retains them
• Choice of chain and Algebraic Operating System methods
• Key click sounds enabled optionally via Settings
• Switches to second functions quickly with the one-touch 2nd function key
• TVM P/Y=1 default matches current BA II Plus™ and BA II Plus™ Professional calculators

FOR BUSINESS ADMINISTRATION CURRICULUM:
• Accounting
• Economics
• Finance
• Marketing
• Mathematics
• Real Estate
• Science
• Statistics
9

Crypto Plus - Bitcoin Ticker

* Monitor price of Bitcoin and other 1000+ cryptocurrencies from 100+ exchanges.
* View price historical data with nice-looking graph view.
* Check and manage your portfolio value quickly.
* News tab with top cryptocurrency news feeds and categories.
* Support dark mode.
* Widgets for Notification Center.
* App for Apple Watch.
10

BA Financial Calculator (PRO)

This is the premium version of the BA financial calculator app. It is ad-free and has the features of the BAII Plus Professional (PB, DPB, DUR, MIRR). This app has been developed by a single person to help CFA candidates and charterholders on their way to success. You can contact cfa.calculator@gmail.com for support

Rankings are taken directly from iTunes.