In an uncertain economic climate, one must be prudent about one’s spending. Here are 6 iOS apps that can help you track your expenses
Christmas is officially over, and the season for joyful — and reckless — spending is coming to an end. Don’t look through your bank account yet, lest you get a heart attack (especially with all that high cholesterol foods you’ve been wolfing down), because your savings account has probably taken a huge dip from buying all those presents.
So your New Year’s resolution would, no doubt, be to save more and cut down on frivolous spending. Here are six simple iOS apps that would help you accomplish this task without the hassle of keeping receipts.
This app features a fairly intuitive interface, allowing you to jump in to record your expenditures quickly.
First, decide if this record is meant for a weekly, monthly or yearly plan. Then, specify your income or budget.
Simply input your daily expenses then select an appropriate category from a list of 10 choices such as “Entertainment” or “Travel” (or create a customised one), and the app will then automatically subtract each day’s expenditure from the specified budget or salary.
The app also offers three display options: a list form, and a graph or pie chart format when the phone’s display is switched to landscape mode.
Purchasing the Pro version at S$3.98 (US$2.83) unlocks the repeating transaction form and allows you to export the transaction records.
This function enables you to specify whether a particular transaction recurs weekly, monthly (for example salary), or yearly. The app then automatically inputs this transaction according to that preset period.
With its earthly colours and simple, uncluttered interface and welcoming chalk-like fonts, this app would be suitable for simple, fuss-free expense tracking.
This app sports similar features to Spending tracker, except that it is packed with a lot more categories and features.
Compared to Spending Tracker’s 11 transaction categories, Pocket Expense has over 30 categories, some with a list of subsections. For example, its tax section is divided into 7 subsections such as Medicare, Property and State Tax.
Like a bank account, the transactions are categorised into existing funds, expenses or fund transfer. You can also make notes on each transaction and attach a picture to them. For the more financially astute folks, you can assign multiple budget accounts for different expenditure purposes.
Pocket Expense helps you to keep track of bills and sends you reminders by setting a due date.
For viewing options, you can have a quick glance at it in a simple calendar view or check the cash-flow charts or category view for more in-depth information.
The sore point of this app is its unskippable ads. You can, however, remove them and unlock more features by paying S$5.98 (US$4.25).
With its dark, muted translucent purplish background and big fonts, this app is easy on the eye.
Besides the usual transaction amount and category, Live Expenses allows you to select whether it was made via Visa, Master Card, Cash, American Express (oddly enough, there is no generic credit card option).
You can also choose what currency the transaction was made in and send the details through email.
It has several options such as a CSV (spreadsheet) email attachment option and a multi-project feature. Buying all these in-app purchases, however, will set you back S$12.82 (US$9.11).
Best to stick with the free version or buy only what you really need.
This app is more intricate and little trickier to navigate. The good thing, however, is that it is highly customisable.
For example, you can sync transaction records over multiple devices running Money Journal Lite or Money Journal HD via the cloud platform Dropbox.
You can even set the calendar to display each countries’ holidays — although I’m not entirely sure what purpose that serves in a finance tracking app.
A decent app, with only one real problem: It hasn’t been updated since end of 2012. Some users may find some of the features clunky and redundant. Still, it’s worth a try.
This has most of the features of Pocket Expense and Spending Tracker. The only key difference is its interface, which, may be more user-friendly to some.
For example, it allows you to easily switch between the today, weekly, monthly, quarterly view on the main account screen.
It lists the total expense report at the top, and the daily, weekly, monthly budget and expenditure at the bottom.
Upgrading it to the pro version, however, merely removes the ads and gives you the option to input recurring transactions.
This app sets itself apart with one key difference: It connects directly to your bank account. Through that, Jetty is able to generate reports and notify you of recent transactions to your bank account, track bills and as well as other important events.
It claims to support up to 18,000 banks and even supports the bitcoin Coinbase wallet.
Currently, it seems to be primarily focussed on American banks. No results showed up when I searched for local Asian banks such as DBS and OCBC.
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