We are committed to researching, testing, and recommending the best products. We may receive commissions from purchases made after visiting links within our content. Learn more about our review process. Managing your money isn’t the easiest thing to do. Now that we no longer balance a checkbook, tracking and expenses and keeping up with the bank balance can get a little difficult. Personal finance apps can connect with your bank account and help you keep up with your spending. Not only that, personal finance apps can help you pinpoint areas that you’ve been spending, track upcoming bill payments (some allow you to pay your bills directly through the app), keep up with your credit score and investment portfolio. The best personal finance apps provide several different features (e-mail reminders, bill due dates, track subscriptions, shared wallets, etc.) for managing your overall finances. All the apps on our list are available on both iOS and Android, so you can enjoy no matter which smartphone giant you’re partial to.
A word of caution, however: YNAB was initially designed for Mac and Windows, and then Linux users alerted the company that it also was working fine on their operating systems. Some bugs were subsequently reported. They’ve been fixed, and yes, the software will work for you, but YNAB won’t guarantee its performance. GnuCash for Linux sports a rather plain-looking interface, but it still has a good feature set, including online stock quotes and multiple currency support.
This popular app has a lot of fans, and it runs on Linux systems courtesy of Adobe AIR, a platform that allows for You Need a Budget’s slick look with easy-to-read graphic qualities. YNAB is great for anyone who’s really into keeping tabs on their budget, and it’s the budgeting software to check out for anyone who wants to get started with budgeting. It offers some great options for support, and for learning about budgeting and living within your means.
Conventional or Traditional Finance
The ending balance method uses your balance at the beginning of the billing cycle minus payments plus charges made during the billing cycle – which is essentially your balance at the end of the billing cycle. The number of days in the billing cycle doesn’t affect the amount of the finance charge. Having a high balance at the end of your billing cycle would increase your finance charges under this method. The previous balance method uses the balance at the beginning of the billing cycle which is also the ending balance of the last billing cycle. No payments or charges are included in the balance. The number of days in the billing cycle doesn’t affect the amount of the finance charge.
Mint, Intuit’s personal finances apps, is one of the most well-known personal finance apps that provides your complete financial picture in one place. Once you link your credit and debit cards to your account, Mint pulls your transactions, categorizes them and shows how you’re spending your money. You can keep track of your bills and spending and create a budget you can stick to. Free access to your credit score is one of the more recent additions. You can get a breakdown of the factors contributing to your credit score to stay on top of your credit health. Plus, you can track your investments and schedule utility payments. For bills that you manually pay, the app can send e-mail reminders or add the due dates to your phone calendar. You can use the app exclusively or access your account via computer.
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