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Review of programs for maintaining a family budget - Introduction. How to manage a family budget - my personal experience, pros and cons How to manage a family budget program

Looking for the perfect one programs for maintaining a family budget I've looked through a lot of different software.

Today I want to summarize my searches by conducting a short review of the programs and services I found. I hope the information I collected will help you navigate and make your choice.

Home accounting is a simple and understandable program even for a child. There are all the necessary functions - accounting for income, expenses, debts, planning payments, generating reports on the quantity and cost of expenses, currency exchange (and exchange rates are taken directly from the Internet), the ability to control several accounts (for example, change in a wallet, dollars in a bank account , salary on the card and euros in the safe)) Of the minuses- alas, it’s paid (500 rubles) and has a rather primitive interface. However, I would like to point out a big plus - the convenient implementation of transferring funds from one account to another. I have tried many programs, and this function, I tell you, is not available everywhere. Most often, in order to transfer money from a card to a wallet, you had to make an expense on the card, then make a receipt on the wallet. In “Home Accounting” this is done with one easy mouse movement.
MoneyTracker - Home accounting - convenient and thoughtful family budgeting program. Of the minuses I can note, again, that there is a fee and some.. ahem.. difficulty in perception. An unimaginable number of pop-up windows, the need to enter some data - why, why, you won’t understand the first time. Some useful functions may remain unnoticed precisely for this reason - until you figure it out, give up and go write down your pies and powders the old fashioned way in a notebook. However, in contrast to the disadvantages, I personally really liked the provided ability to track price changes across stores, as well as create budgets - for a year, a month. In addition, a wonderful idea is to highlight overspending in different colors. Green - everything is fine, yellow - you should slow down spending, red - you are already over the line.
Home Finance - comes in two versions. The “home”, free version is a simplified version of the “pro” version, suitable for running a small business. Having adapted the program to the needs of housewives, for some reason the developers did not bother to change the names of some articles. For example, I fell into a stupor for a long time, trying to figure out who the “clients” were (later it turned out that they were none other than the husband, wife, children - that is, those comrades on whom the money was spent). In addition, I would not call the interface friendly, much less intuitive. On the plus side, it is worth noting a fairly large selection of ready-made categories of income and expenses (for example, in the subcategory “main place of work” there are four items - salary, advance payment, quarterly bonus and year-end bonus)
Family 10 is a very friendly program. Even when you first start it, you are not simply asked to enter the name of your account, but are sympathetically asked, “What’s your name?” The program is quite easy to use; when you go to each section, a window opens with detailed instructions written in real human language. The mega-useful ability to create and plan a budget has been implemented, as well as the ability to keep lists of not only your expenses, but also all the property in your home. The latter can be very useful - after all, you will have a record of when, where and for how much this or that item was purchased, and until what date the warranty period is valid. Separately, I would like to note a rather original way of generating reports: you can ask the program the question “how much money do I spend on underwear?” - and have no doubt, she will answer you! The program is shareware. After the 30-day trial, you will be offered to purchase a license key. The issue price is from 10 to 20 $. I think the price is quite reasonable for such a nice program.
“AceMoney” is a paid (500 rubles) program (There is a free version, but the limitation is that you will only be able to work with one account), suitable for both home use and for assistance in financial transactions. It has a “Shares” category, which you can use to record securities - which ones are purchased and at what price, how many dividends they bring. You can even find out how much money you will get if you suddenly decide to sell them. The program provides ready-made expense categories - “electricity”, “telephone”, “cable TV”. The work with accounts is very well thought out - you can not only indicate when and for what amount the account was opened, but also select the name of the bank from the drop-down list. Which, you see, is convenient if you have many accounts in different banks. In my opinion, it is not very convenient that there are no different sections for income and expenses. Any monetary transaction is called a “transaction” and is entered into the same form.
"DomFin" is a simple, free program not burdened with unnecessary functionality. There are no accounting terms; the accounts are briefly and succinctly called “Money Vaults”. A convenient feature is to display the amount remaining on each account at the bottom of the program window. Thanks to this, after taking a quick glance, you will already know how much money you can spend.
“MyMoney” is another simple program for managing a family budget. Nice interface, reminiscent of a website, easy navigation, constantly popping up tips. The disadvantages are that the functionality is more than modest, there is no division into categories - you will have to be content with only general sections - “Food”, “Entertainment”, “Payments”.
Zhadyuga is one of the popular programs for maintaining a family budget. What I liked was the ability to track debts (to whom, when, for how much), loans (it’s convenient to keep track of the payment schedule, especially if there are several loans). Categories can be easily added, deleted, changed. I didn’t like the paucity of reports, the boring interface, and the fact that income and expenses are displayed on different tabs - you have to constantly jump back and forth. The program costs 380 rubles.
“Home Economics” - the program has a nice “Word” design, there are video tutorials. It is possible to create separate accounts for bank deposits, mutual funds, etc. There are several calculators - savings, foreign exchange, credit, and even for calculating electricity. There is a built-in organizer - although for some reason without a notification function. Knows how to plan a budget. Of the minuses, what caught my eye was the difficulty of editing categories and the inconvenient display of income and expenses (sorted by date and you need to open a separate tab to view them). The full version of the program costs 590 rubles.
“Family Budget” is a simple (sometimes even too simple) program. Nice interface and clear terms. It is quite functional - it is possible to maintain a budget for several users, different accounts, and there is an accounting of loans and deposits. Creates fairly convenient and detailed reports based on various criteria. The downside is that the program only works with one currency; if you receive your salary in euros, you will have to convert them yourself. Inconvenient data entry - only subcategories are shown, you have to click a lot to get to the desired category. The program window size is quite small, and there is no way to change it. For me personally, this is extremely inconvenient. But in general, for a quite modest price (250 rubles) the program is quite worthy.

And a few more untested by me, paid, but not too expensive programs:

My money - 370 rubles, a simple but flexible program for home accounting. At least that's what the developers say.
Accounting for income and expenses - suitable for both home accounting and small businesses. Accounts for funds in different wallets and allows you to keep track of debts. 1300 rubles.

Updated: 2019-5-18

Oleg Lazhechnikov

130

I often come across the fact that people don’t know where they spend their money, they don’t know how much they spend on food, on gatherings in a cafe with friends, on clothes, on unexpected expenses, and so on. At the same time, they borrow money, complain that there is not enough money, but they really want to go somewhere, or buy a laptop/bicycle... The question immediately arises, do you really want to? Or, what do you want more, spend money on beer on weekends, or go to the sea? Of course, at sea, but I spend so little on entertainment, there will be an answer. In reality, a person does not know that some of his expenses in total for several months or a year amount to a trip to the sea.

In no way am I advocating saving on what is important to you. But it’s better to know and understand how much money it actually takes from you, so that you can make an informed choice. No less important is knowing your real desires, your real dreams. I wrote about this in an article.

You have leverage over your family members :) For example, a wife comes to her husband and says, we don’t buy me anything, we don’t spoil me, but you bought yourself a MacBook for 50 thousand, ah-ah. Silently, the husband opens the budget, makes a selection for the year and shows that, in addition to the MacBook, he only bought a couple of T-shirts for himself during the year, while the wife has already bought 100 thousand worth of clothes for herself in the whole year, she just didn’t buy everything at once, but bought little by little , periodically.

pros

In general, a budget is a great thing for understanding how your expenses stack up. In reality, many people think that it’s only 1000 rubles more expensive, but in fact, these thousands of rubles for the whole year (and for some even in a month) add up so much that you can buy a car! A toy :) Actually, I’m not kidding, saving the family budget is the only way it comes together - from the little things, this is the main feature. Saved 1000 rubles = earned 1000 rubles. I recently calculated that my smoking friend spends about the cost of a good laptop on cigarettes per year. That is, if he didn’t smoke, he could change his laptop once a year.

I just ask you not to confuse economy with poverty. Trying to increase your earnings is a necessary and obligatory desire, and in no way contradicts saving. As in business, there is always an accountant who optimizes costs. And, if you go in two directions at the same time, earning money and consciously weeding out unnecessary expenses, you can reach your goal much faster.

I sincerely do not understand the situation when requests grow faster than income. What's the point of spending everything and getting into debt/loans, for what? Isn't it better to save or invest to gain financial independence and freedom? Otherwise, you can earn millions and still beg.

So, the advantages point by point.

Control. You always know clearly what you are spending your money on. There are no questions about where half the salary went and who spent it.
Conscious choice. After a couple of months of budgeting, you really know how much each expense item is, and you may well want to adjust it (reduce/increase). This way, unnecessary expenses are eliminated.
No debts. Getting into debt/loans is minimized because you can calculate everything in advance and avoid it.
Easier to plan your purchases. If you want to buy something big or go somewhere, it's much easier to plan with a budget. You will be able to find out in what month you will have a sufficient amount, which is very convenient, or how you need to change your spending structure in order for this amount to appear.
Useful for long trips. You can always plan in advance how many months the money will last.
Convenient for dismissal. You can find out how much time you have and calculate when it’s time to start looking for a job.
Disciplines. Both in terms of spending and in terms of life in general.

I've been budgeting since 2008. I tried it once and liked it. Thanks to the budget, I was able to plan more than one trip, or rather understand the possibility of its implementation in a specific month under specific conditions. He also helped me a lot after I was fired in 2010.

Then I immediately calculated how many months of free life I could get, what countries I could go to and what things I could buy. Accordingly, I knew in what month the earnings would appear or when I needed to go to work (in case of failure).

In general, what I like most is the feeling of security/security when you can plan everything in advance (for 3-6-12 months) and be calm.

Minuses

There are (for me) much fewer of them.

Tracking expenses and planning a family budget takes time. With the right approach, it doesn’t take much, but it takes. But sometimes it’s even nice to take it and write down a plan for the next six months and include useful purchases and long-awaited trips.
There is a possibility of getting stuck on saving money and going beyond some acceptable limits. Or else, become a miser, starting to save on everything in general. It is worth understanding that everyone has their own boundaries, that for one it is saving, for another it is squandering.
Addition to the previous paragraph. There is a chance of getting stuck on your current income level and focusing only on saving. Or in other words, “not allowing” yourself to have more money can create a kind of psychological barrier.

How to manage a family budget

As I wrote above, the basic principles (well, or advantages) are spending control, conscious choice and eliminating unnecessary expenses. And this is what a budget is based on: you plan expenses for the required period of time and then stick to them. Also, during the process you need to note these expenses in order to correlate actual expenses with planned ones.

How strictly to do all this is up to everyone to decide for themselves. At first I kept everything very strictly in order to understand where and what was going, and then I relaxed, began to round off and keep everything approximately. The result is a floating budget, in which the main thing is the absence of unnecessary expenses, matching expenses with income (needs and capabilities), and not strict compliance and saving for the sake of saving.

There are income items and expense items. The number of articles here and there can be absolutely any, the main thing is that it is convenient for you. I started with a lot of detail, and then I simplified everything and combined many of the articles. If you don’t know where to start, then start with any items; usually, after a couple of months, budgeting becomes more and more clear. Although I still adjust sometimes.
In my opinion, income and expense items should be written such as those that you will later analyze, or for which you need to track the dynamics. If this is not important to you, then in general you can make one expense item and one income item. In general, you can put your entire budget into a paper envelope, that is, put the amount you are going to spend into it at the beginning of the month, and then see if there is anything left or not.
I write down my expenses every day, it's more convenient, and it only takes a couple of minutes. But basically the app on my phone does everything for me, recognizes SMS messages and records them in the database. And when you need to plan something serious, for example, wintering in Thailand, then you can sit for half an hour.
Both husband and wife can manage a budget, either together or alone. As you agree, in general. Or more precisely, who will like it more. True, when they lead together (both expenses are noted and planned), it will be easier to discuss something than if someone distances themselves from it.
I won’t say whether it’s worth maintaining a joint or separate budget. There are different opinions on this matter. I personally accept both options. When a couple is both self-sufficient and earns money, then, firstly, everyone is calmer and more confident in the future, and secondly, they will only be glad to have a separate budget.
You can budget without planning at all. That is, simply mark income/expenses and check if everything is in order (control). Some apps and online planning services do not.
The essence of spending control is to ensure that you have a positive balance (reserve), that is, a positive difference between income and expenses. Maybe not every month, but every quarter or year. Well, so that the trend can be seen, whether you live in a minus or in a plus. This reserve can be accumulated or spent on something useful.
Typically, all smart books advise putting 5-10% of your income into a financial buffer or investing, regardless of your goals. 5-10% is, indeed, an amount that is practically unnoticeable for any income. I don't have that kind of strictness. Sometimes I go into the buffer (I go into minus), sometimes I put aside 50%.

Programs for maintaining a family budget

How to choose a program

You can create any family budget table in Excel that is convenient for you, or use ready-made services/applications for budgeting, fortunately there are a lot of them now (Zen-Money, Monefy, etc.).

Some services have their own website service and mobile application, some only have an application, some only have a website. In my opinion, the more convenient option is when you can use both the application on your phone and the online version on the website from your laptop. This was one of the reasons why I chose Drebedengi at one time and have been using them for many years.

You can also do it the old fashioned way - write it down on a piece of paper. However, there is a risk that this piece of paper will be lost at one point, and it is much easier to correct something in the electronic budget.

How did I choose a program for maintaining a family budget? I went to Google Play, downloaded about 5 Android applications that I liked based on the screenshots and descriptions, and started trying them. About 10 minutes for each application. As a result, there were two left that were more or less clear to me, or in other words, where I was satisfied with the logic of budgeting. It is important that my principle of management in my head coincided with the intention of the author of the application. Otherwise, you will have to spend a very long time delving into how to do what. No, everything should be intuitive. Next, I tried to track my expenses for a couple of days to understand whether it was convenient for me or not.

From 2008 to 2013, I kept a budget in Excel. You can download a simplified template of my budget. Or here’s my budget (a more complex file) taking into account different income/expense channels (cards, electronic money).

One sheet in Excel is one month. The budget is monthly and scheduled for 2-3 months in advance, no less. To plan six months in advance, you need to create 6 more sheets named “monthYear” (for the formula to work), and so on.

Each month has two columns - planned expenses and actual ones. The first column is for planning, the second for current expenses.

In my file (especially in the second one) there are formulas, if you are not comfortable with them, then it is better to try to do something of your own or use ready-made services. Otherwise you'll have to figure it out. In short, in the second file you can mark expenses by day depending on how you spent them: cash, electronic money, cards. And the balance is then calculated in exactly the same way for all these places where funds are stored.

Drebendengi Service

Since 2013, I have transferred the budget to the site and am very pleased. Now I track all my expenses on my phone and plan them online on my laptop.

Many operations are automated, for example, all expenses on a bank card automatically fall into the budget. Thus, if you practically don’t use cash (and I’m trying to minimize it), then there’s almost no need to mark anything. Read a separate post and their phone application, because it’s too long to talk about.

So a simple table in Excel is good only for a start, for testing, so to speak. And after you have decided that there is a budget, you can switch to services, including paid ones.

P.S. Do you manage a family or personal budget?

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Thanks for reading

4,78 out of 5 (ratings: 67)

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It's decided! We begin to keep track of expenses and income. How? Some write them down in a notebook, others keep a table in Excel, and we advise you to download a convenient free program to your mobile phone. We already talked about them earlier, but now we decided to expand on this topic.

The team at Platiza, an online service for instant financial assistance, tested several of the very best programs for managing personal finances and prepared a fresh review especially for you, dear readers.

UPD This review presents applications into which you need to enter data yourself. However, more recently, a mobile application for Android has appeared - Balance, which automatically calculates your total balance, expenses for the current month and a forecast for the balance. To do this, you just need to upload your bank card data into it with the SMS notification service connected to it. Modern technologies based on artificial intelligence will make personal finance accounting easier and more convenient.

1) The simplest thing is Wallet

A very simple application, designed in a minimalist style. It is convenient and easy to use. If you have money, click “plus” and enter the required amount; if you have spent it, select “minus”. The amount in the middle is the total for the current account. You can create as many such accounts as you like. The program is perfect for beginners.

Pros:

Password protection

Quick accounting of expenses and income

Ability to add photo, audio and location

Clear final balance

Minuses:

No distribution of funds by day

No detailed statistics and graphs

Available on iOS only, no Android version

Supports: iOS

The application is used by several people from our team: an analyst, a PR manager and a technical director. Rating 5 out of 5.

2) The most caring thing - Zen-Mani

The application will help you plan payments, create a budget and set financial goals. The main difference from others is that it recognizes SMS from banks.

Pros:

Recognizes SMS messages from banks, and you can enter transactions manually

Integrates with electronic money systems like Webmoney and Yandex.Money

Can work offline and download changes when connected to the network

Minuses:

Does not show total costs for the current day on the “statistics” tab

Supports: Android, iOS and PC.

Our programmer Zhenya has been using this application for several months and is very pleased, rating 4.5 out of 5.

3) The most advanced - EasyFinance

The service makes it possible to create several accounts and link them to bank cards. Category lists and currencies can be customized. Allows you to set financial goals (“apartment”, “car”, “vacation”) and monitor their implementation: the service gives recommendations if you too rarely save money for one of the planned large purchases.

Pros:

Automatic synchronization of transactions via SMS

Convenient budget and goal planning

You can enter the operation offline

There is a “loans” tab

Minuses:

Most useful services are paid

No multiplayer mode

Supports: iOS, Android

Our marketer likes the application, rating 4.8 out of 5.

4) The most intuitive - Where is the Money

A beautiful animated application, before starting use it offers you to familiarize yourself with a demo version of the wallet, which is very convenient for beginners. There are popular categories, but you can create your own.

Pros:

Unlimited number of accounts

Quick overview of the current period on the summary screen

Protect access to data via password (touch ID support)

Minuses:

Full control over the creation of categories and subcategories

Supports: iOS only

The web designer and system administrator like it. Rating 4.7 out of 5.

5) The most gaming - CoinKeeper

An application for accounting for personal finances with large colorful icons, convenient statistics graphs and a clear interface. Expenses are entered in this way: you need to move a coin on the screen from one field to another. The “automatic budget” function allows the program to calculate the main categories of expenses for the month.

Pros:

You can set reminders for recurring expenses

Family sharing across multiple devices

Sends notifications with reminders

Beautiful statistics, bright and visual diagrams

Financial goals help you save for the things you dream of.

Minuses:

The interface seems complicated at first glance

Supports: iOS, Android

Olya, a specialist in collecting overdue debts, recommends this application. Rating 4.5 out of 5.

6) The funniest thing - Toshl

Expenses can be tracked by categories, which you can configure yourself using a tag system. The application has an assistant, a three-eyed alien, he gives quite funny tips, warning about a possible budget overrun: “There may not be enough money! Pull yourself together."

Pros:

Reminds you every day that you need to budget at a certain time, which you can set yourself.

Beautiful graphics, funny characters

Supports data export

Minuses:

Registration is required, but it is simple and fast

Tags are entered manually

Many additional features are paid

Supports: iOS, Android, Windows Phone

Our tester uses the application. Rating 5 out of 5.

7) The most convenient - Budget

The application differs from all others in that it allows you to indicate monthly income and displays the remaining amount for the day, taking into account regular and planned payments. If the amount per day is exceeded, the remaining money is recalculated, and the amount per day is reduced accordingly. Very clear. Disciplines not to go beyond the daily budget.

Pros:

Nothing extra, the application is not overloaded

It is clear exactly how much is left for the day

You can enter all your monthly expenses, the application will calculate everything automatically

Sends reminders

Minuses:

Does not allow you to set salary receipt dates

Supports: iOS

The project manager has been using this application for six months. Everything suits me. Rating 4.5 out of 5.

8) The most obvious - M8 - my money

Are you used to spending several hundred rubles a day on various nonsense? Using this application, you will understand that by saving on chocolates, you could buy yourself something more or less worthwhile. Small expenses add up to a large number. The pie chart clearly shows where you spend most of your income: on transport or, for example, food.

Pros:

Clear and simple interface

Minuses:

— there is no option to indicate expenses for the last month

- no accounting of income, only expenses

Supports: iOS, Android

The application is used by our Quality Assurance Manager. Rating 3 out of 5.

Do you keep financial records? If yes, then how? Share your experience in the comments with us and other readers.

Many users find it difficult to control their home budget. To ease the situation, it is recommended to use specialized software. Thanks to a specialized program, you can control not only your income, but also your expenses. The functionality of the program allows you to list the costs even for maintaining a vehicle or paying off a loan.

Most applications are created taking into account the fact that the user is unfamiliar with accounting activities. For effective analysis, the programs are able to build graphs and diagrams. All that remains is to choose the appropriate application.

Review of the best programs

To plan a family budget, you need an appropriate program. In fact, on the global network you can find a dozen applications that can plan income and expenses. The best programs include:

"Greedy";
Home accounting;
Home Economics;

Each of the above programs for maintaining a family budget differs from each other in functionality. Therefore, before using any program, it is recommended to analyze the functionality and also compare the programs you like.

This is a multifunctional program for the family budget. The application is able to work with accounts, clients and articles. If desired, the program can be used by individual entrepreneurs. Users who decide to use the application to plan a family budget do not have to worry, since it is not necessary to be an accountant to understand the program.

The main features include:

Possibility of multi-currency organization of financial flows;
Group data processing;
Construction of diagrams showing the dynamics of funds;
Ability to export the report to Excel;
Composite payment support;
Data backup;
Possibility of printing a promissory note;
Update exchange rates via the Internet;
Customizing the appearance of the program.

Unfortunately, at first it will be difficult for the user to understand the program for accounting funds. This is due to the busy and poorly thought out interface. In appearance, the application can be compared to programs written in the 90s. Of course, after careful study, anyone can handle Home Finance, but it takes time.

Family accounting can be accounted for using the AceMoney program. The application has an intuitive interface, which means it won’t take much time to learn the functionality. IceMoney allows you to create bank and cash accounts. This way, all income and expenses can be taken into account. In addition, it is possible to transfer money from one account to another.

The only thing that may be difficult is the terminology used in the program. Otherwise, the fund accounting program has no drawbacks.

The main functionality can be identified:

Budget planning using articles;
Ability to manage multiple accounts;
Setting a password for the program;
Backup;
Visualization of expenses using graphs;
Ability to export data.

With such a program, the family's accounting will always be analyzed. In addition, you can generate a report for any past month.

A program with a simple interface without frills. Compared to other programs, there is such a drawback as unlabeled buttons. Sometimes it can be difficult to understand what they are for. In this case, the application can be configured so that when you hover over the button, an inscription appears, but only in the footer of the program.

As for adding income and expenses, everything is clear here. It is possible to allocate amounts by category. In order to keep track of the family budget more accurately, you need to take advantage of the opportunity to add information to a section such as “Debts”.

Such software has the following functionality:

Accounting for the entire family budget;
Possibility of accounting for a loan from a bank;
Accounting for debtors;
Work with an unlimited number of accounts;
Possibility of gradual debt repayment;
Generating reports in the form of text and diagrams;
Creating a backup copy of the database;
Setting a password for the program.

It should be noted that “family accounting” can be used free of charge if the total income does not exceed 8,000 rubles.

If you want your family’s accounting to always be in order, it is recommended to pay attention to a program such as “Home Accounting”. The application occupies a leading position among software designed for calculating profits and costs.

Family accounting is divided into the following tabs:

Accounts;
Expenses;
Planning;
Debts;
Income.

Such a division may not be entirely convenient. Competitors display expenses and income in one tab. This way you can understand how effective budget planning will be.

Main functionality:

Creating multiple accounts;
Credit accounting;
Possibility of partial repayment of debts;
Loan repayment reminder;
Budget planner;
Filter for quick search;
Report generation and visualization;
Possibility of database compression;
Automatic update.

The family's accounting will always be calculated; all that remains is to download the program from the official website.

The application is designed for quick budget accounting. The program occupies a leading position in its software niche. The functionality of the program is quite diverse. As for the interface, it is simple, but you will have to tinker with some features. This is due to the fact that not all functionality is available on the control panel. For example, account-to-account transfers are located in the Finance menu, although expenses and income can be found directly in the control panel.

It should be noted that you can only download the demo version for free. This is enough to get acquainted. Perhaps the functions that are available in the free version will be enough for someone. It should be noted that you can edit existing income and expense items.

The main advantages of the program include:

Ability to create an unlimited number of accounts;
Planning your budget;
Availability of a debt module;
Creation of 10 types of reports;
Availability of reference information;
Export data to Excel;
Create a backup copy.

Thanks to in-depth analysis, you can understand what is worth spending more money on and what is better to refuse. It is recommended to download the program from the official website.

A multifunctional program that allows you to protect your budget from unnecessary waste. The program is designed in the style of Microsoft Office. All sections are signed and also equipped with icons. To plan an event, you need to use an organizer.

Program functionality:

Financial event planning;
Maintaining records in multiple accounts;
Calculation of profitable deposits taking into account inflation;
Ability to view the latest financial news;
Drawing up reports.

The program fully copes with the task. The only thing worth remembering is that the program is not free, although it can be downloaded without registering on the site.

The program combines ease of use and versatility. Even a novice user can handle the controls. You can customize the categories of expenses and income. Transferring funds between your accounts is not very convenient, but you can get used to it.

Compared to other similar programs, developers devote little time to their product, so updates are released extremely rarely. It is worth noting that the program is paid, but most of the functions are available in the demo version. There is a ban on planning.

The functionality is quite diverse, but we can highlight:

High performance, thanks to which calculations and plotting are carried out in a matter of seconds;
Possibility of database backup;
Working with deposits and loans;
Export to any convenient format;
Search by specified criteria.

In general, the program can compete with analogues, and the license is only 250 rubles.

Video review of programs for maintaining a family budget

On the Russian-language Internet? Because we love to save. And we want you to save too!

Therefore, especially for you, we have made an objective and honest review of the most convenient smartphone applications for managing your home budget. Go!

AndroMoney

Developer: AndroMoney
Price: Free – Google Play

A distinctive feature of the application is the option to set a budget for a day, month, year, or even a separate budget for a selected time category.

The AndroMoney application can create backup copies of your budgets, saving them to a memory card or cloud storage. Also, if desired, the report is converted into CVS format and it is possible to continue working with it on a personal computer.

The advantages of this program include:

Intuitive and clear interface;
Flexible functionality and a lot of settings;
Option to create backups;
Converting to CVS format for working with information on a PC;
User-data password protection

According to user reviews, no obvious disadvantages were found.

Expense Manager

Group: financial instruments
Developer: Bishinews
Price: Free – Google Play
Pro version for $5 – Google Play

Expense Manager - an application developed by Bishinews - is popular among users - five million users! The functionality of the application is huge, but the main function is financial planning.

When launching the application, users are presented with a template with several expense items, which can be changed if desired by going to the “settings” menu. You can also quickly view the required payments or study a detailed and visual expense schedule. Like AndroMoney, Expense Manager can easily backup reports to Dropbox cloud storage or a device memory card.

A distinctive feature is the presence of a built-in currency converter. The functionality of the free version of Expense Manager is sufficient for managing personal expenses.

Pros:

Intuitive ergonomic interface;
Many useful functions;
View reports in graph idea;
Data backup;
Currency converter (only if you have an Internet connection).

Well, from the minuses:

Incomplete functionality of the free version of the application;
Lack of Russian language

"Family budget"

Group: financial instruments
Developer: Maloi
Price: Free – Google Play

“Family Budget” is an official mobile client for Android that exactly replicates the functionality of the popular web service for accounting. The application turned out to be no less simple and convenient, and the presence of extensive functionality makes it easy to monitor the family’s financial affairs from a mobile device.

Each generated report is optionally presented in the form of graphs that clearly display the necessary information on money expenditures.

Pros:

Interface;
Maximum settings;
Synchronization with the service;
Visual display of reports in the idea of graphs.
Version of the service for a personal computer

Minuses:

Availability of advertising (can be disabled only for money);
Backup to device memory card only.

EasyMoney

Group: financial instruments
Developer: Handy Apps Inc
Price: Free – Google Play
Pro version for $10 – Google Play

EasyMoney is the most expensive and most functional application in this category of applications. However, there is a free version of the program and you can test the initial functionality on it, and only then decide whether it is worth spending money on the full version of the application.

Some of the interesting things in the program include: displaying interactive reports and graphs, maintaining several accounts in foreign currency, maintaining a home budget and tracking investments and plastic card balances.

With the data backup feature, you don't have to worry about saving your reports safely.

You can easily transfer all the work done to a memory card or export reports in QIF CSV format.

Pros:

Impressive functionality;
Visual reports in the form of interactive graphs;
Transferring ready-made answers to a memory card;
Availability of a widget on the desktop.

Minuses:

Complicated interface;
Lack of Russian language;
Not cheap!

CoinKeeper

Group: financial instruments
Developer: IQT Ltd
Price: Free for the first 15 days - Google Play

CoinKeeper is a popular application for keeping track of expenses and income on an Android smartphone or tablet. After the first launch, the application will prompt you to select the appropriate income planning method: automatic (in this case, the amount of monthly income is indicated) or manual (separate settings for each parameter are required).

Each of the main menu items has a clear and visual explanation. Categories are color-coded and separated by special icons, which can be adjusted if desired.

Among the functions of the program, I would like to note a serious number of accounts (not limited by the program), adding another expense transaction in a couple of seconds, icons display current expenses in colors and will change color if funds are overspent, financial goals, backing up information to a memory card or in cloud storage , as well as password protection.

Pros:

Ergonomics and intuitiveness of interfaces - operations are implemented by dragging one icon onto another;
Hints;
Automatic budget planning;
Data backup;
Automatic transfer of information to other devices;
Setting a password.

Of the minuses, we note:

Small number of financial reports;
Slow animation that lags even on modern devices
There is no "desktop" version of the program

"Home accounting"

Group: financial instruments
Developer: Keepsoft
Price: 4$ – Google Play

“Home Accounting” is the last application in today’s review for accounting on a mobile device. It implements the maintenance of both personal financial accounting and the family budget. No special accounting knowledge is required, the application is easy to use, and thanks to the “tasty” filling and a large number of functions, using the application is downright pleasant.

An interesting feature of the “Home Accounting” program is that several users can use the application at once (each logs in under their own name).

Pros:

Intuitive interface;
Russian localization;
Each category is marked with a separate icon;
Backup information;
Exceptional functionality;
Clear reports;
Setting a password for the application;
Availability of a “desktop” version of the application for keeping records on a PC and prompt exchange of information.

Obvious disadvantages“Home Accounting” was not found by users.

Whatever application you install, do not forget to add “cashback from” to your income item. And we will ensure that you have a constant surplus on this item;)