Money Watch – Personal Finance Blog

DEX Screener is a powerful and easy-to-use platform that allows traders and investors to track and analyze real-time data from multiple decentralized exchanges and chains. With DEX Screener, users can easily monitor the price, trading volume, and on-chain trades of various tokens, and use that data to make informed decisions about their investments.

Some key features of DEX Screener include:

- Real-time charts and trades
- Unlimited watchlists
- Unlimited price alerts
- Customizable screeners with several metrics such as volume, price change, liquidity and market cap
- Support for 60+ chains, hundreds of DEXes and hundreds of thousands of pairs

With millions of users, DEX Screener is a trusted and widely used platform among crypto traders and investors. Whether you're a seasoned trader or just getting started in the world of crypto, DEX Screener is an invaluable resource for anyone looking to make the most of their investments.

Join the 50+ 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

Coinbase is the world’s most trusted cryptocurrency exchange to securely buy, sell, trade, store, and stake crypto. We’re the only publicly traded crypto exchange in the U.S.

POWERFUL TOOLS FOR CRYPTO PROS
- Buy and sell crypto using advanced trading tools and earn staking rewards¹
- Access in-depth technical analysis, advanced real-time order books, and charting powered by TradingView.
- Advanced trading tools to research and analyze crypto markets to inform trading decisions.

BUY, SELL & MANAGE CRYPTO
- Coinbase is the most trusted platform to build, manage, and track your crypto portfolio.
- Send crypto and receive transfers securely and seamlessly.
- Stake crypto and earn yield on cryptocurrencies like Ethereum and Cardano¹
- Easily set up automatic or recurring buys.
- Start earning crypto just by learning about how specific cryptocurrencies work²
- Follow the latest crypto news and track prices.
- Seamlessly transfer crypto internationally.

SECURE & REGULATED CRYPTO EXCHANGE
- Coinbase is the only publicly traded, US-headquartered crypto exchange (NASDAQ: COIN).
- All customer assets are held 1:1, and we never trade against our customers or leverage their funds without consent.
- Our financials are public and audited quarterly by a Big 4 accounting firm.
- State-of-the-art encryption and security are at the core of our platform, and our security team is constantly working to make sure you and your assets are protected from emerging threats.
- From auto-enrolled 2 factor-authentication (with security key support), password protection, to multi-approval withdrawals in Coinbase Vault, we provide powerful security features to all our users.

SUPPORTED ASSETS
Bitcoin (BTC), Ethereum (ETH), USD Coin (USDC)¹, Litecoin (LTC), Cardano (ADA), Polygon (MATIC), Polkadot (DOT), Solana (SOL), Tether (USDT), Dai (DAI), Uniswap (UNI), and hundreds of other cryptocurrencies.

COINBASE WALLET
- Prefer self-custody? Check out Coinbase Wallet—a secure crypto wallet compatible with the exchange that puts you in control of your crypto, keys and data.
- Store crypto assets in your cryptocurrency wallet safely and securely.

NEED MORE HELP?
Visit help.coinbase.com for information and to contact Coinbase Support.

PRIVACY
View Coinbase’s legal privacy policy at https://www.coinbase.com/legal/privacy
—
Coinbase
248 3rd St #434
Oakland, CA 94607
USA
—
¹ Available in select territories.
² Limited while supplies last and amounts offered for each quiz may vary. Must verify ID to be eligible and complete quiz to earn. Users may only earn once per quiz. Coinbase reserves the right to cancel the learning rewards offer at any time.

You earn rewards from the protocol, not Coinbase. Coinbase acts only as a service provider connecting you, the validators, and the protocol. We pass along any rewards earned from staking, minus a transparent Coinbase fee.

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

Take control of your financial future with our handy app, where you can access your workplace pension wherever and whenever you need it.

At home or on the go, you can log in quickly and securely with your face, fingerprint or PIN. Then, in just a few taps, you’ll be able to:

• Check the value of your pension
• Track your overall pension performance
• View your recent contributions
• Make changes to your investments
• Check your transaction history
• Manage your beneficiaries
• Update your personal details
• Read your documents
• Get help fast with live chat

And we’re not stopping there – we’ll be adding more financial wellbeing tools to help you manage your money soon, plus other products and features.

We’d love to hear your thoughts too. If you’d like to tell us about your experience with the app, or request something that’s not already there, please send your feedback to appfeedback@landg.com

Earn $15 for you and your friend when you invite them to Monzo. Terms apply.

Monzo is the best banking app that helps you save towards your goals, spend confidently, and manage your money—all without any fees.

Open a personal or joint checking account in just a few minutes.

WHY OVER 10 MILLION CUSTOMERS LOVE MONZO

Say goodbye to fees. No account fees, overdraft fees, or foreign transaction fees.
Earn interest on every goal with our Savings Jars.
Get paid early with a qualifying direct deposit.
Connect all of your accounts and cards for an all-in-one view of your finances.
Instant access to cash with our network of 38,000 free ATMs across the US.
Our award-winning support team is here to help 24/7.
Your money is FDIC insured up to $250,000.

UNDERSTAND YOUR SPENDING HABITS

Real-time notifications each time you spend on your debit card.
Get money saving insights across all your bank accounts and credit cards.
Set a target for how much you want to spend and we’ll help you stay on track.

REACH YOUR SAVINGS GOALS

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 you your progress as you save. Tell us what date you want to reach your goal by, and we’ll work out the regular deposit needed.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.

SERIOUSLY SECURE

With Monzo, your money is insured up to $250,000 through our partner Sutton Bank, Member FDIC.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.

____________________________

*The national average interest rate for savings accounts as posted on FDIC.gov, as of June 17, 2024.

Monzo’s Savings Jar Annual Percentage Yield (APY) is as of July 29, 2024. The APY may change at any time.

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

Crypto.com is trusted by 100 million+ users worldwide. Trade safely and securely with industry-leading compliance and security certifications today.

Crypto Trading －Trade BTC, ETH, and 350+ other cryptocurrencies
• Buy and sell popular crypto, including Bitcoin and Ethereum, using 20+ fiat currencies or credit/debit card.
• Set up recurring crypto purchases daily, weekly or monthly with friendly trading tools.

Crypto.com Visa Card －Up to 8% back in CRO on all spend
• Spend or withdraw your funds with your Crypto.com Visa Card anywhere Visa is accepted.
• Music, movie and shopping subscription rebates with selected cards.
• Access to 1,000+ airport lounges with selected cards.
• Up to 10% rewards on selected travel websites.*

Crypto Earn
• Earn up to double digits reward rate on your crypto holdings.
• Enjoy flexible terms on over 40 tokens and stablecoins.

Rewards+ － A loyalty program built for everyone
• Unlock exclusive perks with as little as $100 in trading volume per year. Level up through our 20-tier rewards system.
• Enjoy up to extra 5% p.a. rewards on 3-month stablecoin allocations.
• Extra Card Rewards: Additional 3% back on spending with your Crypto.com Visa Card.
• Trading Rebates: Receive CRO for every trade you make.**
• Unlock up to a 4x bonus for you and your referrals with our BG25 Referral Program.

Missions
• Complete Missions to earn Diamonds to redeem Mystery Boxes for rewards.

Crypto.com Pay
• Pay with 30+ crypto, including BTC, ETH, CRO and DOGE, and earn rewards.
• Instant settlements with zero gas fees.
• Shop at 200+ top brands and get up to 10% back in CRO.

*These offers are launched by Crypto.com independently, and there is no partnership between Crypto.com and the merchants in these offers. Crypto.com has the sole discretion to modify these offers at any time.
** Receive CRO for each trade placed. Excludes BTC and ETH trading pairs, as well as stablecoin-stablecoin and stablecoin-fiat trades.

The availability of the products and services on the Crypto.com App and any given features of such products or services is subject to jurisdictional limitations and the applicable terms and conditions. Crypto.com may not offer certain products, features and/or services on the Crypto.com App in certain jurisdictions due to potential or actual regulatory restrictions.

Crypto.com services are provided by CRYPTO Technology Holdings Limited and its affiliates (NMLS ID 1966158).

By using the Crypto.com Visa Card you agree to the terms and conditions of the cardholder agreement AND FEE SCHEDULE, IF ANY. The Card is issued by Community Federal Savings Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc.

All forms of trading involve risk, including the possibility of losing the entirety of your invested capital. Such activities are not suitable for everyone and should only be carried out by individuals who understand and accept the associated risk factors.

Website: https://crypto.com
Address: CRYPTO Technology Holdings Limited, 26/F, Pacific Plaza, 410 Des Voeux Road West, Hong Kong

PayPal is a smart and secure way to shop in-store and online, earn cash back on brands you love, send money to friends and much more. Get started in the app.

SAVE OFFERS IN THE APP
Get cash back offers* from brands you love. We’ll automatically apply them at checkout.
*Eligible items only. Redeem points for cash or other options. Terms and exclusions apply: PayPal.com/rewards-terms

SEND AND REQUEST MONEY FOR FREE
Securely send and receive money with just about anyone in 120+ countries
It’s free to send and receive with friends & family in the US when funded by a bank account or PayPal balance

GET THE PAYPAL DEBIT CARD AND EARN CASH BACK
Request your card right in the app. No credit check required.
Shop with your PayPal balance everywhere Mastercard® is accepted.
Earn 5% cash back on a category you choose each month*
 
*5% cash back earned as points you redeem for cash & other options on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal.
A PayPal balance account is required to get the card.
The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. (“Bancorp”), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding

GROW YOUR MONEY WITH HIGH-YIELD PAYPAL SAVINGS
Roll your money into PayPal Savings and earn a competitive APY*
Easily manage your account right from the app. Transfer money in and out, set individual goals, and track your progress as your savings grows.

*PayPal Savings annual percentage yield (APY) is a variable rate and can change at any time, including after the account is opened. PayPal is a financial technology company, not a bank. Banking service provided by Synchrony Bank, Member FDIC. PayPal Balance account is required to use PayPal Savings. 

TRACK YOUR PACKAGES
View your orders and their delivery status right from the PayPal app–even if you didn’t pay with PayPal. Simply link your Gmail or Outlook to get started.
Get live updates each step of the way until they arrive safely at your door.
Not all sellers are participants.

PAY IN 4 WITH NO LATE FEES
Split everyday purchases into 4 interest-free payments at millions of online stores.
No late fees. No impact to your credit score.
Manage payments right in the app.

*Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO or NV. 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4

Availability of features varies by market.

PayPal
2211 N 1st St San Jose, CA 95131

UK's #1 app for saving, 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 & stocks ISA:

- Unlimited commission-free trades;
- 13,000+ Real Stocks and ETFs from the UK, the US, Germany, France, Spain, the Netherlands and other;
- High interest on your uninvested cash: 5.17% on GBP, 3.7% on EUR, 4.6% 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 1.5% cashback until the 1st of January 25;
- 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:

- 5.17% AER (variable), paid daily
- Flexible - withdraw anytime
- Completely free - no account fees

Trading 212 CFD:

- 9,000+ CFDs on Stocks, Forex, Gold, 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.


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.


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).
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

Welcome to the Lloyds Bank Mobile Banking app. Your money on the go.

EASY ACCESS
•Fast log on with Touch ID, Face ID, or memorable information.
•Summary view of all your accounts.
•Discover and apply for new products in the app.
•View your PIN, freeze your card, and more in the app.
•Get around the app with the tabs at the top of your screen.

BRILLIANT EVERYDAY
•See, spend and manage your current and credit card accounts.
•Block and cancel subscriptions.
•Stay on top of your money with tools and spending insights.
•Know what's ahead with upcoming payments.

A TOTAL VIEW OF YOUR SAVINGS & INVESTMENTS
•Set savings goals and build a safety net.
•Plan ahead with a handy new calculator.
•Useful reads to help you save for the future.

STAY ON TOP OF YOUR BORROWING
•Free credit score checks that give you a view of your financial well-being.
•Know what you need to pay and when on your credit card.
•Check and manage your credit limit.
•Keep track of your personal loan.

ALL YOUR HOME NEEDS IN ONE PLACE
•View your mortgage balance and home value.
•Discover potential savings on your bills and compare deals.
•Browse rewards for sustainable home improvements.

PROTECT WHAT’S IMPORTANT
•View your home, car and life insurance cover.
•Explore your cover options and request a quote.

GETTING STARTED
You’ll need:
•The phone number that you’ve registered with us.
•A Lloyds personal, Lloyds Bank Islands personal, or Sterling international account.

Keeping you safe online
We use the latest online security measures to protect your money, your personal information and your privacy.

How we’ll contact you
Using our app won’t affect how we contact you. Our emails will address you by your title and surname, and include the last four digits of your account number, or the last three digits of your postcode. Any texts we send will come from LLOYDSBANK. Be wary of any message that differs from this – it could be a scam.

Important information
We don't charge you to use our services but your mobile operator might charge for some things (such as downloading or using the app), so please check with them. Services may be affected by phone signal and functionality.

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

Our app is available to customers with a UK personal account and valid registered phone number. Minimum operating systems apply, so check the App Store for details. Device registration required. Terms and conditions apply.


Freeze and unfreeze certain types of transactions securely 24/7 for extra peace of mind or if you’ve temporarily misplaced your card.

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.

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.

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 2024/25, 2023/24, all the way back to 2009/10
• Provides an instant rough guide. Enter optional settings to improve accuracy
• Works with iOS 17 & iOS 18.

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

“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.

Read more about our terms and conditions here:
https://realbyteapps.com/policy/terms.html

Privacy Policy:
https://realbyteapps.com/policy/privacy.html

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

10BII Calc HD is a business calculator featuring over 100 built-in functions for business, finance, mathematics and statistics. Easily calculate loan payments, interest rates, amortization, discounted cash-flow analyses, TVM (loans, savings, and leasing), bonds and depreciation using a simplified algebraic entry system. The keyboard and display have been carefully optimized for the iPhone, iPod Touch and iPad. Two keyboard layouts and multiple specialized worksheets allow you to do much more than a 10BII calculator while maintaining compatibility with the standard.

HD version includes:

• 2 for the price of 1! iPad and iPhone versions included- use on both your iPad and iPhone

• HD graphics included for iPad and iPhone retina displays

• iPad version includes full support for slide over and split views.

• New worksheets including interactive graphs.


Features:

•Time Value of Money- Loans, savings, leases and amortization schedules using both the standard keyboard and a specialized TVM solver window that displays the contents of all the variables for rapid "what if" solutions to your problems. View and mail amortization tables.

•Interest Conversion- Nominal and effective rates.

•Cash Flows- Net present value, internal rate of return, net future value and net uniform series calculations. Up to 80 cash flows are easily edited and reviewed using the dedicated cash flow editor screen. Entries are added, deleted and modified in a scrolling display with a touch interface unique to the iPhone.

•Business Percentages- Percent change, markup, and margin calculations.

•Statistics- Mean, standard deviation, correlation coefficient, and linear regression forecasting, weighted mean. Sample editor and plotter, forecasting using linear, log, exp or power fit.

•Conversions- 47 world currency rates and over 100 commonly used metric, english and other conversion factors used in financial, business, scientific and engineering calculations.

•Scientific- sin, cos, tan, asin, acos, atan plus the hyperbolic trig functions, conversion between rectangular and polar coordinates, conversion between degrees and radians, time functions including h.ms+ and h.ms-, log, ln, 10^x, e^x, y^x, x root of y, fraction part and integer part. Trig functions can be computed in radians, degrees or gradians.

•Worksheets-
Auto Purchase
Black-Scholes
Bond
BreakEven
Cash Flow Analysis
Currency
Date
Depreciation
Interest Conversion
Lease
Loan Amortization
Margin & Markup
Refinance
Statistics
Tip
TVM

Many of the worksheets include interactive graphs.

•Audit tape records all calculations. Tape can be mailed, texted or printed.

Discover how to use any function on the keyboard by touching the ? key then the key you want to learn about. Help screens are available for all worksheets.

Quote from a customer:

"Last week I had a meeting with my accountants and my bankers. We were working on the pro forma balance sheets and cash flows for a new project I'm working on.

They were all asking why I had switched to the iPhone for I used to be a die hard "brandX phone" fan. I said that one could do so much more. They said "yea...sure" (they were all using "brandX phones") until I started using your calculator. We were analyzing different payment and amortization schedules. They were so impressed by how easily we could figure out the amount of interest, principal and remaining loan balance for any certain period or combination of periods that in the end they were saying "I have to get me one of those".

 Great product. Thanks."

Create custom cryptocurrency widgets.

- Support for 150+ cryptocurrencies including all of top 40 (as of last update, by market cap)
- Depending on the widget, can show price, 1d chart / change % / volume, market cap
- One widget can show up to 6 coins, depending on widget size
- Data can be displayed in 35 currencies ($, €, £ and many more)
- Summary of all configured cryptocurrencies when you open the app
- Widgets automatically updates frequently, but you can always open the app to see latest data
- Market data powered by CoinGecko API

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

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

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

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

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

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

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

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

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

*** Features ***
--------------------
√ Simple and intuitive user interface
- helps you see results quickly and clearly

√ Hints and tips
- don't worry, we will guide you through the process

√ Summary shows your payoff progress
- includes progress bar, your debt free date and your interest/time savings

√ Choose from multiple pay off Strategies
- Lowest Balance First
- Highest Interest First
- Highest Balance First
- Custom Order

√ An unlimited number of debts can be entered
- each debt can be individually analysed
- payments may be entered as a percentage of balance
- support for introductory rates e.g. 0% for 6 months

√ Monthly Payments may be recorded
- either automatic or manual recording
- allows you to keep track of your progress

√ Backup & Restore
- use popular Dropbox service for online storage
- keep your data safe
- manually sync between devices

√ Choice of payment periods
- handles monthly, weekly and fortnightly payments

√ Extra Payments can be entered against each debt
- helps pay off your debts even faster
- can be entered Monthly, Yearly or as a One Off

√ Transactions can be entered against each debt
- allows you to take into account expenses/purchases
- can be entered Monthly, Yearly or as a One Off
- will increase the debt balance

√ Try out various 'What-If' scenarios e.g.
- a change in interest rate
- increased monthly payments

√ Export the debt details via Email
- professionally formatted PDF or HTML
- export individual debts or overall summary
- includes full amortization schedules
- charts are attached to the email export

√ Interactive reports
- easy visualisation of the debt breakdown
- compare debts side by side
- press, hold and slide to see the costs per month
- pinch to zoom

√ Set of Calculators are included to help you compute:
- monthly payments
- extra payments
- payoff date
- refinance benefits

√ Notification of payments due
- so you never forget to record a payment

√ Passcode protection
- keep your data safe

√ Full manual is embedded within the app
- has all the info you will ever need

***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.

Keep your credit cards in the Wallet app. Get access to your credit card's data anytime, anywhere.

Your data are stored exclusively on your iPhone and Apple Watch, and no one can access them, and this data does not sync with any cloud services.

Use Face ID or Touch ID for easy and secure access.

You can create your unique card style: change the card's color, insert any picture, move elements of the card around.

View, copy, or send card data with one touch.

Both light and dark modes are supported.

Apple's iPad APP OF THE WEEK (UK and Ireland), March 2011

AppStore Rewind 2011, one of Apple's favourite iPhone finance apps of 2011 (UK and Ireland)

Closely monitor your household energy and water usage and the chances are you will SAVE MONEY!

This useful application makes it easy to monitor your household utility meters. Once you start entering readings, your usage, costs and savings are calculated and displayed in easy to visualise graphs.

KEY FEATURES
- Monitor up to five separate meters, e.g. electricity, gas, water, solar ... etc
- Quick entry of readings, as often as you like
- Use the rear-facing torch/flashlight when reading your meters (if your device has one)
- Local reminders so you don't forget to enter your readings
- Displays usage and costs for the latest readings period, and compares this with your average or previous year
- Plots graphs of usage and costs per day, week, month, quarter or year, so that you can visualise changes over time, e.g. against the previous year
- Multiple colour themes (black, red, blue, green ... etc)
- Import historical readings from a CSV file
- Backup your data and sync it between devices by email, AirDrop, Dropbox or iCloud
- Export your readings as a CSV file for easy import into a spreadsheet
- Universal app, works on the iPhone, iPod Touch and iPad

METERS, CURRENCY AND RATES
- User configurable units, so the app could be used for other types of measurement
- Support for meters that count up (e.g. electricity, gas, water ... etc) or down (e.g. oil)
- Uses the currency from your device's region setting, but you can override this per meter (e.g. for holiday homes)
- Handles a wide range of rates and charges, e.g. fixed or time based rates, per-unit rates, stepped rates for up to 12 levels, Economy 7/10, time of day meters ... etc

BILLS
- Check your bills by comparing any pair of readings (e.g. those submitted to your supplier)
- View your usage and costs since your last bill, as well as an estimate of when and how much your next bill will be

POWER USER FEATURES (via a ONE-TIME in-app purchase)
- Additional meter types, reading combinations and ways of calculating usage
- Support for rate changes, if/when you switch supplier or they change your rates
- Support for resetting your readings, e.g. if you get a replacement meter
- Automatic backups to iCloud

PRO USER FEATURES (via a ONE-TIME in-app purchase)
- Removes the restriction on meter numbers, e.g. for landlords, businesses and professionals

SUPPORT
Please use the link to my support page from the AppStore page or from the app itself (or simply go to http://grahamhaley.co.uk/meters/.

Alternatively, contact me directly via my support pages and you will get a quick response.

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

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

Why Choose iXpenseIt?

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

What Sets iXpenseIt Apart?

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

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

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

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

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