Best apps to control your personal finances

Saving is a verb that is already part of our daily vocabulary. To the point that we do not stop looking for ways to improve our economic situation and keep it under control.

Today, when it comes to personal finance, almost everything is automated. This is the case of online transfers or electronic commerce. Everything moves faster. This is positive, but at the same time it carries a greater risk of losing track of the expenses that arise from day to day.

But there is no need to be overwhelmed. If we make good use of this new digital environment that surrounds us and we adopt it as our own, we can have good experiences and, in turn, learn to manage personal finances in a simple and effective way.

In this article we will summarize the most interesting applications that we have found for your financial control objectives. In this way you can choose the one that best suits your needs.

Fintonic

Perhaps Fintonic is one of the favorite Spanish applications to manage personal finances. In addition, it is free . She was chosen as a winner in the Finance category at the Start Ups Mobile Innovation Awards 2015.

This application is useful since it has a centralization system for all your financial information. It is also possible to establish a 100% secure connection with the banking entities with which you work and allows you to organize them using a single tool.

Fintonic also stands out for its alert service. When something important happens in any of your accounts, you will receive a notice immediately. This way you will avoid duplicate receipts, bank overdrafts or unexpected commissions.

The most interesting thing is that your money is organized by categories to review your monthly and weekly expenses. Thus, for example, it will be much easier to keep track of the food expenses we make every week and every month.

It is free to download . It is available for both Android and iOs .

Mint

With several years in the market and more than 20 million users, Mint is another of the most recommended apps to improve your personal finances.

It has reminders to make payments, as well as a system for classifying your expenses and charts that allow you to clearly understand your money flow.

In addition, it is also possible to use markers to set financial goals as savings for future vacation trips .

Currently, it is available on both Android and iOS, although it is only available in English.

Toshl Finance

It is another veteran application in the world of personal finance. Like the previous applications, Toshl is an app that allows easy monitoring of all credit cards and bank accounts of the user. In this case, it is important that you verify that your bank is among the collaborating companies included in Toshl.

Toshl allows you to create budgets and have better control over your expenses. The main difference with the previous apps is that it allows exporting the data to Excel, Word, Google Docs, text files and PDF. 

Toshl has a free and a paid version. It is available for Android and for iOS .

Spendee

Among the features of this app , its ease of use stands out. It is one of the most intuitive and visual apps . Although the range of functionalities is smaller.

Spendee allows you to generate statistics of all your income and expenses. With them you can be more aware of the origin and destination of your money.

It is also a very useful app when you travel to different countries. This application automatically converts expenses in foreign currency to the currency in which you usually manage.

It is free to download . However , some of its features are only available to Premium users (€ 3.99). 

It can be used on both mobile phones with Android and iOS operating systems .

Monefy

This is the perfect app if you are not convinced by the idea of ​​sharing your financial information with third parties. This is because Monefy does not connect with your banks. For this reason, you must manually enter all the data on income and expenses.

Monefy also displays charts, presents periodic reports, makes budgets and allows creating backups in Dropbox. It is only available in English, but it is very simple and intuitive.

It can be downloaded for both iOS and Android.

MoneyWiz 2

This is one of the most complete applications if we are thinking of keeping our accounts up to date through a mobile phone. In addition, it is also available for iPad and computer.

MoneyWiz has multiple functionalities. In turn, this may make it a more complex tool for those users who are not very familiar with the technologies. Even so, this app allows us to select which uses we want to give it and which not to, in order to avoid complexities.

Among the available functions, the option of creating highly detailed reports based on the operations that the user performs and the application registers stands out. These reports can be updated periodically, allowing the evolution of our economy to be viewed in a simple way, monitoring data such as net worth, balances within budgets, income forecasts, etc.

In addition, like most of the applications mentioned, MoneyWiz has alert or notification services that notify us, for example, when a budget has expired or when the bank account enters a negative balance.

Its interface is in Spanish available for all its functionalities. This application is paid in both its Android version (€ 1.99) and iOS (€ 2.29).

With these 6 applications to manage your personal finances you can try and keep the one that best suits you. Without a doubt, it is one of the most recommended options to avoid losing yourself with the management of your accounts and avoid those headaches that such management sometimes causes us.

Let’s take advantage of the facilities offered by new technologies today to make our lives much easier.