Money Watch – Personal Finance Blog

Take control of your money and tax with the HMRC app

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

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

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

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

CASH BACK FOR ALL

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

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

NO STRESS SAVINGS

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

ONE APP FOR YOUR FINANCES

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

SERIOUSLY SECURE

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Trading 212 Invest & ISA:

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

Trading 212 Cash ISA:

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

ISA accounts are provided by Trading 212 UK Ltd.


Trading 212 CFD:

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

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

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


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


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


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


Trading 212 is the following companies:

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

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

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


Rated 'Excellent' On TrustPilot:


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

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

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

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

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

- Credit score: see your Equifax score

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

- No hidden card fees: at home or abroad

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


Zable Credit Card:


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


Zable Loan:


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


Credit Score:


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


Zable Credit Card: Representative 48.9% APR (variable)

Zable Loan: Representative 32.5% APR (fixed)

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

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

Here to help:

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


02033229128


contact@zable.co.uk


69-77 Paul Street

EC2A 4NW

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

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

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

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

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

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

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

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

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

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

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

You'll be able to:

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

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.

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

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

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

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

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

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

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

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

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

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

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

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).

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


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

EdgeAI – Market Strategy Analyzer

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

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

No accounts. No servers. No tracking.

What EdgeAI Does

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

AI-Style Strategy Engine

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

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

All processing is done locally on your device.

Wallet Tracker

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

Tarsi is a personal budget tracker that helps you manage your money in one place.

Log expenses and income quickly, organize money across cash, e-wallets, bank accounts, and credit accounts, and see your balances at a glance. Tarsi also helps you stay on top of monthly budgets, savings goals, recurring entries, debts, and money owed to you.

Features:
• Quick expense and income logging
• Multiple accounts for cash, savings, e-wallets, and credit
• Monthly category budgets
• Savings goals with progress tracking
• Debt tracking and payment logging
• Money owed to you tracking
• Recurring expenses and recurring income
• Transaction history with search and calendar view
• Daily reminders for check-ins and upcoming recurring items
• Backup export for your data

Tarsi is built to make budgeting feel simple, clear, and easy to keep up with.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Currency Strength Meter for Forex traders. Find better trade setups with real-time currency strength data. Quickly scan the market using multiple timeframes, bar and line charts.

Fast, accurate strength data helps you time entries and exits more effectively.

What is Currency Strength?

Currency strength is a popular Forex trading indicator that helps you understand price movements by comparing the strength of individual currencies.

Strength is calculated across 8 major currencies (USD, EUR, GBP, JPY, AUD, NZD, CHF, CAD) and reported on a scale from 0 (weakest) to 10 (strongest).

This lets you quickly identify which currencies are strongest and weakest, and whether a move in a Forex pair is driven by strength or weakness in one of the currencies.

Key Features:

– Fast, real-time streaming currency strength data
– 8 major currencies: USD, EUR, JPY, GBP, AUD, NZD, CHF, CAD
– 4 included timeframes: H4, D1, W1, M1
– Optional Data Booster Pack adds M15 and H1
– Bar and line charts with zoom and historical view
– Max/min highlighting in real time
– Adjustable time zone to match your trading platform
– Multiple color options and full Dark Mode support
– Built-in Help / User Guide
– In-app support contact


Privacy Policy: https://www.currencystrengthmeter.net/privacy/
Terms of Use: https://www.currencystrengthmeter.net/terms/

MoneyBook is the most easy to use expense log that keeps track of your spending. No complex operations, no impractical functions. MoneyBook is easy to use.

MoneyBook will quickly and easily record each expense. It’s easy to see how much money you have spent every week and even how much money you have spent this year.

Key features:

- Multiple books, Daily Expense/Traveling/Holiday Gift.
- Create a group of books.
- Support different currencies for different books.
- Multiple accounts,Cash/Credit Card.
- Transfer between accounts.

- Fast and easy to use native iPhone user interface.
- Recording a purchase takes seconds.
- Supports for Siri Shortcuts with URL schemes.
- Auto-generate recurring expenses and income entries.
- Create/Edit/Sort expense/income categories and subcategories.
- Support to order category by Alphabetic/Frequency/Customized.
- Dynamic graph showing costs in percentages.
- History to view and adjust your previous entries.
- Flexible reports to view expenses by week, month, or year.

- Password protection.
- Export CSV file.
- Online backup via iCloud.
- Back up via Mail.
- Sync data across multiple devices via iCloud.

I will not be able to reply directly to you in your review, so if you have any problems while using MoneyBook, please email me.
I will help you to solve your problem ASAP
My email address is: moneybook@qiuping.com

Learn how to retire strategically with a portfolio of the S&P 500 stocks.
This app gives the retired individual who wishes to hold a mix of short term treasury bonds and an ETF which mimics the S&P 500* the ability to assess the size of their final estate based on four factors:

● Value of his starting portfolio
● Percentage held in money market funds
● Yearly expense requirements
● Years of life remaining
● Effective tax rates

Vary any or all factors dynamically and determine the financial results and the associated risk.

Simulate retiring in prior time periods given your current financial strategy.

The app will simulate a retirement based on your inputs and on historical S&P growth rates and inflation rates to estimate a range of possible outcomes. The series of retirement outcomes are generated from 1910 to the present in one year increments.

The results are shown in simple and easy to understand graphical and numeric form.

*Warren Buffett in his 2013 letter to stockholders recommended just such a portfolio for the average individual because of its low expense ratio and performance superior to most professional money managers.

Take control of your money without sacrificing your lifestyle. Toki is the ultimate tool for those seeking financial clarity that is fast, simple, and commitment-free. Based on the highly effective 50/30/20 method, Toki takes the boredom out of budgeting.

Why is Toki different?

• Lightning-Fast Logging: Time is money. Log your expenses and income in just a few taps—no endless menus or confusing screens.


• Smart Goals: Want to upgrade your camera gear or plan your next mountain expedition? Create a goal, and Toki will calculate the exact monthly contribution to fit your budget stress-free.


• Automatic 50/30/20 Method: Know exactly where your money goes. Toki intelligently divides your finances into Needs, Wants, and Savings.


• Subscription Manager: Say goodbye to surprise charges. Visualize all your recurring payments and take full control of your monthly bills.


• Pay Once, Own Forever: Forget about monthly subscriptions. Toki is yours for a one-time lifetime payment. No hidden fees, no fine print.

Download Toki today and transform your relationship with money.

BlockPulse – AI Crypto Market Intelligence

BlockPulse is an AI-powered crypto market intelligence platform designed to help traders and investors discover trending tokens, market narratives, and trading signals before the crowd.

Using real-time data from sources like CoinGecko, Polymarket and on-chain analytics, BlockPulse analyzes market sentiment, liquidity, and capital rotation to uncover opportunities across the crypto ecosystem.

Whether you're tracking Bitcoin, Ethereum, Solana, AI tokens, memecoins, or DeFi sectors, BlockPulse gives you a powerful AI assistant for navigating the crypto markets.

Key Features
AI Market Intelligence

Get AI-generated insights about the crypto market based on live data and advanced analytics.

BlockPulse analyzes:

market momentum

narrative trends

liquidity shifts

capital rotation between sectors

Narrative Radar

Identify hot crypto sectors before they explode.

Track trending narratives like:

AI tokens

Solana memecoins

DePIN

Real World Assets (RWA)

DeFi ecosystems

The AI scores each sector based on:

momentum

hype

capital rotation

on-chain activity

Real-Time Crypto Alerts

Stay ahead of the market with AI-powered alerts.

Get notified when:

• a token gains unusual momentum
• liquidity spikes on DEX markets
• new narratives start trending
• market sentiment shifts

Market Sentiment Tracking

Monitor the Fear & Greed Index to understand overall crypto market psychology and identify potential buy or sell zones.

Discover Trending Tokens

Track market leaders and emerging altcoins with:

real-time price movements

volume signals

AI trend detection

Perfect for discovering high-momentum tokens early.

Prediction Market Insights

Analyze prediction markets like Polymarket and see how market expectations correlate with crypto price movements.

AI Market Assistant

Ask questions about:

• crypto market trends
• sector performance
• token momentum
• on-chain activity

Your personal AI crypto analyst directly on your device.

Built For

• crypto traders
• investors
• DeFi users
• Web3 enthusiasts
• anyone exploring the crypto market

Supported Ecosystems

Track assets and narratives across:

Bitcoin
Ethereum
Solana
DeFi
AI tokens
memecoins
DePIN
RWA

BlockPulse gives you the tools to understand the crypto market faster and discover opportunities earlier.

“Money Manager” is an optimized application for personal account management.

Household account management is complicated. But we make it simple by simplifying the things that are complex. The default settings will get you started, and once you get used to it, you can alter the settings according to your needs with the highly flexible and customizable functions available.

- Super easy and simple to enter data anytime, anywhere.
- View your spending tendencies graphically.
- View statistics by simply entering the data.
- Search and calculator functions.
- Set up sub-categories and main categories as necessary.
- Manage all your accounts at once.
- Use multiple currencies.
- Check weekly, monthly, and annual statistics.
- Use calendar view.
- Use budget planning features to plan weekly, monthly, and annual budgets.
- Change the start date of the month.

※ Applying double entry bookkeeping
It facilitates efficient account management. Automatic double entry bookkeeping.

※ PC manager function
You can view ‘“The New Money Manager” application using Wi-Fi. You can edit and sort the data by date, category or account group on the screen of your PC. In addition, you can see fluctuations of your accounts indicated on graphs on your PC.

※ Budget management function
You can manage your budget. It shows your budget and expenditures on a graph so you can compare the number of your expenditures against your budget quickly.

※ Credit Card / Debit Card management function
When entering a future payment date, you can see the payment amount and outstanding balance on the accounts page. You can connect your debit card to your accounts so that expenses are automatically recorded under a specific account.

※ Passcode
You can specify the desired time lapse before the app requests a passcode.

※ Automatic money transfer and frequency functions
You can set up automatic money transfers between your accounts and configure the frequency of those transfers.

※ Sort expenses by the recipient
You can sort your expenses by the recipient and view this information graphically.

※ Payment Profiles
You can easily enter frequent expenditures by creating payment profiles.

※ Backup / Restore
You can backup and restore your data via email, iTunes and iCloud.

※ Multiple currency support – you can have individual entries in multiple currencies, and configure each account to calculate the total balance in your desired currency.

Subscription pricing and terms:

Money Manager offers auto-renewing monthly subscription at US$2.49/month and an auto-renewing yearly subscription at US$19.99/year to provide you with unlimited access to the Money Manager Data Sync Service while you maintain an active subscription.

Payment will be charged to the credit card connected to your iTunes Account when you confirm the initial subscription purchase.
Subscriptions automatically renew unless auto-renew is turned off at least 24-hours before the end of the current subscription period. Your account will be charged for renewal within 24-hours prior to the end of the current period, and the cost of the renewal will be identified.
You may manage your subscription and auto-renewal may be turned off by going to your Account Settings after the purchase.

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