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

HMRC

The only app to access your personal tax details with HMRC. Take control of your finances and join over 1.1 million people using the HMRC app every month. Download the HMRC app here.

The HMRC app is a handy way to:

- check your pay a few days before pay day
- check previous payments from your employer
- find out how much Income Tax you should pay
- check your company benefits
- find your tax codes
- claim a refund if you’ve paid too much tax
- work out your take-home pay with the tax calculator
- check how much Self Assessment tax you owe and make a payment
- set reminders for your Self Assessment payments
- check and save your Unique Taxpayer Reference (UTR) for Self Assessment
- check and save your National Insurance number
- check your next tax credit payments
- manage and renew your tax credits
- access your Help to Save account
- check your Child Benefit
- check your State Pension
- check progress on forms you’ve sent to HMRC
- read messages from HMRC
- update your postal address
- choose to be contacted by HMRC electronically, instead of by letter

You can use your Government Gateway account to sign in. If you don’t have one, registration is easy and fast. You will need your National Insurance number and birth date to start.

Once you’re set-up, you can sign in quickly and securely using your face or fingerprint (depending on device support).
2

Revolut: Send, spend and save

Join the 40+ 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 like a local with great exchange rates (fees additional to the rate provided may apply)
Access 55+ K in-network ATMs worldwide with no fees
Easily track and analyse your spending
Link your external bank accounts to stay on top of all your spending in one place
Design a physical card you vibe with (fees may apply). Want to add a little luxury? Upgrade to a Metal plan for a shiny steel card

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
It's our business to protect your data, and we take it seriously. 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



See Terms & Conditions for details. Revolut is a financial technology company. Banking services provided by Metropolitan Commercial Bank (Member FDIC)
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
3

Monzo - Mobile Banking

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 9 MILLION CUSTOMERS LOVE MONZO


Say goodbye to fees. No account fees, overdraft fees, or foreign transaction fees.

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 nearly 40,000 free ATMs across the US.

Our award-winning support team is here to help 24/7.

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


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


Set aside money for trips, bills, emergency funds, and more in a Savings Pot.

Set a goal on a Pot 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.*

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.

____________________________


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

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.

*Your funds are held at Sutton Bank, Member FDIC. Though Monzo is not an insured bank, money in your Monzo account benefits from 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.
4

testerup - earn money

Earn money as an online tester? As often and whenever you want?

Join Germany's largest platform for paid online jobs and join over 2,900,000 online testers.

After signing up for free, you'll immediately have access to countless online surveys.

- Earn over USD 850 directly after download, whether on the go or from the comfort of your home, maximum flexibility guaranteed.
- Choose from the largest assortment in the German-speaking area, orders that fit you exactly.
- You will be regularly invited to the latest surveys.
- Orders with multi goals allow you to achieve higher earnings through continuous testing.
- Fast and secure payout: Get paid within 24 hours.
- Upgrade to a premium tester and earn exclusive access to higher-paying assignments.
- Tested, Verified, Recommended! We value authenticity and trustworthiness. Not for nothing we are recommended by Verbraucherschutz.de. In addition, testerup.com is certified with the TÜV - eKomi rating of 4.3/5.
5

PayPal - Send, Shop, Manage

PayPal is a simple and secure way to get paid back, send money to friends, find cash back offers from brands you love, manage your account and more.

FIND DEALS RIGHT IN THE APP
• Get cash back offers from brands you love
Eligible items only. Redeem points for cash or other options. Terms and exclusions apply. See PayPal Rewards terms and conditions at PayPal.com/rewards-terms

SEND AND REQUEST MONEY FOR FREE
• When funded by a bank account or with your PayPal balance, it’s free to send money or get paid back by friends and family in the US on PayPal
• Request money securely from friends or family and personalize your payments

ACCESS YOUR PAYPAL BALANCE WITH THE PAYPAL DEBIT CARD
• PayPal Balance account required to get the card
• Easily transfer funds from your bank balance to your PayPal balance
• Shop everywhere Mastercard® is accepted and withdraw cash at ATMs worldwide. Do it with no fees at 37,000+ MoneyPass® ATMs²
• No credit check required
More information and terms available here: paypal.com/us/debitcard¹ Deals may change and are subject to availability. Eligible items only. Redeem points for cash or other options. Terms and exclusions apply. See PayPal Rewards terms and conditions at PayPal.com/rewards-terms. ²ATMs must display the Mastercard®, Cirrus®, Pulse® or MoneyPass® acceptance marks. Up to $400.00 USD daily withdrawal limit applies. Transactions at non-MoneyPass ATMS have a $2.50 ATM Domestic and International Withdrawal Fee. No fee for MoneyPass ATM Withdrawals in the U.S. Foreign Transaction Fee applies for International ATM Withdrawals. ATM operator fees may also apply. 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

GROW YOUR MONEY WITH HIGH-YIELD SAVINGS
• Roll your money into PayPal Savings and earn a current 4.30% APY–that’s 9x the national average*
• Easily manage your account right from the app. Transfer money in and out, set individual goals, and track your progress as your savings grows
*As of June 07, 2023, the annual percentage yield (APY) for PayPal Savings is 4.30%. This is a variable rate and can change at any time, including after the account is opened. National average source: FDIC National Rates and Rate Caps as of April 15, 2024. https://www.fdic.gov/resources/bankers/national-rates/#one 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 ORDERS STRAIGHT TO YOUR DOORSTEP
• Auto-track your packages even if you didn’t pay with PayPal and get live updates each step of the way
• Simply link your Gmail account to track your packages or add tracking details manually in the app if it didn't update automatically. Not all sellers are participants

PAY IN 4 WITH PAYPAL
• Buy now and pay later by splitting your purchase into 4 interest-free payments at millions of online retailers with no late fees
• Payments are easy to manage 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 atpaypal.com/payin4

TRUST PAYPAL SECURE TRANSACTIONS
• PayPal helps keep your financial information secure, with commercially available encryption and fraud protection

Availability of features varies by market
PayPal
2211 N.First St., San Jose, CA 95131
6

Lloyds Bank Mobile Banking

New to our app?
Join millions of customers who use this app for simple and safe everyday banking. Our app is fast, convenient and secure – keeping your bank details private at all times.

What you can do
•Log on quickly and securely with Touch ID, Face ID or three characters from your memorable information
•Manage your account – check balances and pending payments
•You can now block or cancel subscriptions in the app, just search for “subscriptions” in the app to find out more
•Set up Direct Debits and standing orders
•Pay in cheques
•Easily transfer money and make payments to UK and international accounts
•Get your Travel Money delivered for free to your home or local branch
•Send money securely outside the UK or in a foreign currency
•Receive notifications about payments and spending insights on your current account
•View your PIN or request a new one
•Easily request a new card, report lost or stolen cards, freeze them and order replacements
•Quickly find and view transactions and statements
•Update your contact details

You can find plenty of other information in the app by using our ‘Search’ tool, as well as our handy ‘Help hub’.


Getting started
All you need is:
•The phone number that you’ve registered with us
•A Lloyds Bank 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
Your phone’s signal and functionality may affect your service. Terms and conditions apply.

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).

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.

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.

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.
7

Barclays UK

The Barclays app

HOW TO REGISTER
If you’re 16 or over and you have a UK-registered mobile number and a UK 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
• 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 2024. 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.
8

Trading 212

UK's #1 app for active trading & long-term investing.* (78% 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 other;
- High interest on your uninvested cash: 5.2% on GBP, 4.2% on EUR, 5.1% 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;
- Extended hours trading with fractional shares;
- 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 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. 78% 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.

* Based on statistics by App Annie as of January 2023.


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
9

NatWest Mobile Banking

Did you know that over 10 million customers now use the award-winning NatWest mobile banking app to access their account every day? Download our app today to make your day-to-day banking easy, quick and secure.

Why the NatWest app?
•Set up current, savings and student accounts instantly
•Enable multi-factor authentication (MFA) for better security and send high value payments in-app, amend payment limits and more
•Split a bill by sharing a payment request link with multiple people at once
•Get Cash in emergencies with a unique code without using your card
•Save your spare change with Single or Double round ups
•Discover our additional apps and services, including mortgages, home and life insurance and loans in one place
•Favourite payees to send money faster
•Calculate your carbon footprint and track your progress
•Budget easily by managing your monthly spending and set categories
•Set up an instalment plan to repay a credit card purchase over a set period
•Add your other bank accounts and see them in one secure place
•Freeze and unfreeze your credit or debit cards at any time

Apply for a Premier account
•Premier Select account – a premium account with no monthly fee
•Premier Reward account – For £2 a month you’ll get £9 a month back in rewards, earn at least 1% at partner retailers per transaction and much more
•Premier Reward Black account – for £31 a month you’ll get airport lounge access, travel and phone insurance, 24/7 concierge service and much more

Apply for a student account
•Open an account today and receive £80 cash and a free Tastecard
•Apply for an interest-free overdraft of up to £2000

Important things to know
•There is a maximum of 5 payments totalling £1000 per day. You must be 16+
•Get Cash - Withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (locked or unlocked)
•Touch ID and Face ID are only available on selected devices.
•Credit score available once opted in through the app, to customers over 18, with a UK address and is provided by TransUnion.
•Spending - you must be aged 16+. Only available for Personal and Premium Current accounts.
•You can freeze and unfreeze MasterCard credit cards and debit cards.
•You can create one Travel Plan at a time, for a maximum period of 90 days which include up to 7 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.
•Our app is available to customers aged 11+ with compatible iOS and a UK or international mobile number in specific countries.
•Please make sure you accept the following permissions before starting:
•Allow the app to communicate through your network
•To find your nearest cash machine or branch you’ll need to let the app find your location
•To ‘Pay your contacts’ the app will need access to your contacts list

Please note, the app contains images when logging in that may cause a reaction in individuals who are photosensitive. You can switch these off for your device by visiting the settings menu and the accessibility menu where you will be able to find motion and visual control settings (note this is not within our app but on your devices settings itself).
To download the latest app version, you should have an iOS device with OS – 15 and above.

By downloading this app, you’re accepting our Terms and Conditions, which can be viewed at natwest.com/mobileterms. Please save or print a copy along with the Privacy Policy for your records.
10

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
- You can now block or cancel subscriptions in the app, just search for “subscriptions” in the app to find out more
- View details of individual transactions
- Check money coming in and going out
- Receive notifications about payments and spending insights on your current account
- 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.


Rank App Details
1

Mortgage Calculator™

*** SALE NOW ON - 50% off ***

*** Featured in the Sunday Times App List 2012 ***

*** Featured as 'What's Hot' by Apple ***

'Mortgage Calculator' has one aim - To SAVE YOU MONEY on your mortgage!

If you're buying a house, looking to re-finance, or simply want to make the most of your existing mortgage, then this is the perfect app for you.

Try out various 'What-If' scenarios and quickly see how extra payments can save you a whole lot of time and money. You can enter any number of Monthly, Yearly or One Off extra payments, at any period during the loan. Then watch the total loan length and cost go down. You may be surprised by just how much!

Easily visualise your cost savings in the simple and interactive charts. Just slide your finger along to see the costs for each year.

5-Stars - "...beautiful, simple graphs which make tricky decisions a whole lot easier."

5-Stars - "...really helped me to compare the different mortgage deals"

*** Highlights ***
--------------------
Specially designed for the US market:

√ See effect of regular or one off Extra Payments
√ Variable Rates support
√ Calculate the 'True Cost', by including Tax etc
√ Takes into account PMI
√ Try out various 'What-If' scenarios
√ Email a PDF or HTML of the loan details
√ Support for ARM 3/1, 5/1, 7/1 mortgages
√ Charts allow easy visualisation of the costs
√ Make an informed choice by comparing loans
√ Backup & Restore via Dropbox
√ Passcode protection
√ Elegant, simple and powerful user interface

*** Quick Calculators ***
-----------------------------
Super quick calculators for instant answers:

√ How much can you afford to borrow?
√ Monthly Payments
√ Money Saving Effect of Extra Payments
√ Cost of Moving House

*** Analyse & Compare ***
---------------------------------
Visualise mortgage costs in simple, easy to understand charts:

√ Store details of multiple mortgages
√ Easily see the costs for each year with a slide of the finger
√ Try out various 'What-If' scenarios
√ Extra payments can 'Reduce Term' or 'Reduce Payments'
√ Include Tax, Insurance, PMI in the payments
√ Support for 'Repayment' or 'Interest Only'
√ Monthly breakdown of costs (Amortization)
√ Compare up to 4 mortgages side by side
√ Support for ARM 'Initial Rates' e.g. 4% for 3 years

*** Voted #1 Property App - upack.com ***
---------------------------------------------------
"The strongest arrow in its quiver is the way it handles hypothetical situations, letting you analyze all manner of mortgage-related queries, such as how much you can afford to borrow, and a variety of other what-if scenarios..."

Note that multiple currencies are supported!
2

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
3

UK Tax Tool 2024

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 16 & iOS 17.

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.
4

SeafarersCalc

***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.
5

CalcTape Paper Tape Calculator

Calculator thought from scratch! Calculate, comment and correct instantly.

What happens if you combine a standard calculator App, a classic desktop calculator and a note App ?

CalcTape brings you the best of these and even more.
It is your companion for all daily calculation needs and easily masters all scenarios you can imagine.
CalcTape is NOT a scientific calculator app, but do we need these in daily use ?

Ever did a long calculation with many figures and asked yourself:
"Did I enter the last figure correctly ?"
"The result looks strange somehow !"
With CalcTape you keep an overview, can check all figures and correct figures instantly inplace with
all subsequent results being adjusted automatically !
Missed a figure ? No problem: Just insert it in the right place easily by entering a new line.

You can place the cursor everywhere you like in the calculation: It's like a note where
you can change anything you like in any place with the advantage, that changing numbers
or operators updates your calculation immediately!

CalcTape can be considered an "Excel Lite with a calculator interface".

You can also keep the calculation for your records (documents) and create templates:
Replacing the figures in your template and getting the correct results is a breeze.
Commenting figures and results gives sense to your calculations, so you can understand
what you did when viewing the calculation a month later.
Customize CalcTape to your needs and place only those buttons on your keypad that you really
need everyday. Create your own functions to e.g. add a specific percent rate with a tap on
a single button.

CalcTape features:
- Save your calculations into files
- Create own functions or text snippets to be entered when pressing a button (long press a button to enter the Button screen)
- Create own keypad layouts (change assignment of all buttons except numbers and backspace / change button sizes)
- Select between different keypad layouts (the "function keypad" contains no numbers and is nearly completely customizable)
to get more buttons or other functions, 2 keypads are directly accessible in the main screen
- Share your calculations using standard iOS sharing capabilities, e.g. email
- Sync your calculations with iPhone, iPad, Mac and PC using iCloud Drive.
- Calculate TAX, VAT and other percent values easily
- Use CalcTape for budget, accounting and expense tracking in the office and at home, everyday.

CalcTape, more than a calculator.


FAQ:
- Start a new calculation on the same sheet by simply tapping the "=" key twice.
- Do a long tap on a button to assign another existing function or to create a user function for it.
- If you accidentally hit "AC" you can use "Undo" to get your calculation back.
6

Money Manager (Remove Ads)

“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
7

GBP/USD Exchange Rate Live

Now you don't even need to start the app to track GBP/USD rate and get notified on the GBP/USD moves. Packed with features, this makes the best real time GBP/USD rate tracking system on the market. Welcome to the "GBP/USD Forex Watch".

This is not just an app, it is entire rate tracking and notification system. Our app is backed by a powerful push notification server delivering user defined rate alerts to your home screen, real-time rates to the badge and rate information with the chart data directly to the widget.

FEATURES THAT WORK WITHOUT EVEN RUNNING THE APP:
● Rate information and rate chart using widget technology
● Rate on the app badge trough push notifications
● Rate change alerts on your home screen trough push notifications

FEATURES INSIDE THE APP:
● Real time rate information
● Historical chats
● Custom alert editor
● Market overview: commodities, currencies and stock indexes (in progress)
● Both orientations supported

REQUIREMENTS:
Supports all iOS Devices: iPhone, iPad and all iPod Touch devices!
8

UK Stamp Duty Calculator

Quickly calculate the rates for UK Stamp Duty with this simple app.

Updated September 2022 for new rules.

- Option for first time buyers
- Option for second home or buy to let
- Residential & Non-Residential
- Freehold & Leasehold
- View detailed working out of the calculations made
- Buttons to quickly add or subtract increments of £10k from the purchase price
9

Debt Snowball Calculator

The simplest way to stop feeling overwhelmed with debt is to take your first step towards financial freedom. Use the Debt Snowball app to create an action plan that calculates your debt free journey and allows you to track your progress with our debt tracker. Your financial toolbox just got bigger, pair it with your budget, mortgage, student loan, car loan apps, to help you achieve your ultimate goal - Financial Independence.

The Debt Snowball Calculator calculates the number of months and years it will take to become debt free using your smallest balance, highest interest or any order you choose. Depending on your debt, you will either save big or not much at all. Choose a method that works for you.

The Debt Tracker allows you to track your progress by recording monthly payments made to your debt. Every time a payment is recorded your status will be updated and changes will be made to your overall journey.

Here's how to use it.

Enter in your debt and the app will create a debt free plan. This plan will give you a timeline for car loan payoffs, credit card payoffs, student loan payoffs and mortgage payoffs. Track your monthly progress by recording your payments allowing you to view how much your journey has changed.

Create printable debt-free charts. Choose between two styles: a blank chart where you can fill in your own information or a chart where the app generates all your payments. You'll be tracking your debt-free journey in no time!

Are you loving the app? We'd love to hear from you! Please take a moment to leave us a nice review or send us an email at apps@everydayworks.com. We appreciate all your support!
10

TaxiBooks

The app provides an easy to use system for tracking, organising, and exporting your fares & expenses. Enter fares & expenses as you go or from your worksheet, check your daily totals for cash, card, account or any other payment methods, and export details or totals for use in spreadsheets, word processors or other apps.

Entering details is quick & easy. Commonly used entries can be saved and their details recalled with a single tap. Entries can be tagged to make them easier to find.

Totals can be displayed by day, week, month or year. Subtotals are given for accounts and different payment types (cash, card, etc.).

Accounts can be set up in advance or created on the fly. All the fares for an account can be listed separately.

Payment methods can be set up to suit your working practices and adjusted as you like.

There’s a bulk delete feature for clearing out old records.

A full help system is included in the app.

Rankings are taken directly from iTunes.