House book apps for Android and iOS in comparison

Overall, the Germans are considered very disciplined and ordered, but in terms of finance, the wallet is sometimes quite relaxed. Statistically speaking, every fifth German debt of (average) has 33,000 euros. Fixed costs, such as rent or electricity, are not the largest stumbled blocks, but above all the expenses or variable payments that are charged only once a year (for example for insurance). With an app for a home book, you can easily recognize unnecessary expenses and use a potential saving potential. In this article we present the best tools for Android and iOS.

1. Bluecoins Finance & Family: Wide range of functions, easy to use

The free financial app Bluecoins is an app for the home book for iOS and Android devices, which can mark mainly due to its easy usability and a wide range of functions. Create your transactions by manually inserting the amounts, categories and subcategories. Regular payments and fixed costs, insert the «Smart Autocomplete» function and must not return them later. If necessary, you can also attach images, receipts or invoices to the items. The app also differentiates between current accounts, cash and savings books. With the help of the function of «divided transactions», it is also possible to assign different categories to a transaction.

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In addition to a daily summary, Bluecoins Finance & Household also offers a monthly calendar, numerous filter options (e.g. second content, category or account), as well as detailed statistics and clear graphic diagrams and percentages for their respective transactions.

The integrated budget tool shows a prediction of finance based on a previously defined budget. The memory function, which gives a notification, is also particularly practical, an open calculation should be due.

Your data is protected in Bluecoins using digital passwords and imprints and a local backup (automated) is always possible. For extensive functions, such as synchronization with a cloud account, it is necessary to update to the premium version of the budget manager. This currently costs about $ 8, but is also completely free of announcements.

Tipp: Bluecoins Finance & Household also has a travel mode with which it is possible to provide extraordinary editions (for example the fourth caipirinha in the cocktail bar) with suitable labels.

2. Money manager: if it can be a little more detailed

In The Money Manager, the free version already brings with it a series of features, which is available only in the competition for an additional cost. Including the periodic rods of shooting, which proves extremely useful, especially when you enter permanent orders.

For each item just created, the tool asks for a lot of information, as a category, time, amount, date, date and method of payment. In addition, you can create further descriptions and notes alone or adapt the categories of income and expenses individually according to your needs. Money Manager can also be used by the 2 people simultaneously and is therefore particularly suitable for couples.

Depending on how detailed and precise your inputs are, the application creates statistics and diagrams. Another advantage of this method: due to the wealth of information, your data is subsequently easier to filter. It marks often recurring payments with a bookmark and add more easily later.

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Money Manager It is also provided with a account connection, through which it is possible to automatically have recurring payments. From Wlan Connection exports the App data into an Excel file on your PC and continues to edit there. And security is also treated for: To avoid unauthorized access to your data, you can guarantee the Money Manager app with a PIN code.

Tipp: A good alternative for couples or families is MoneyControl, with whom you can also manage several users. It can also be used for free in the basic version and offers a range of functions similar to that of Money Manager.

3. Saymoney: savings without advertising

To the domestic book of Saymoney, the first thing to do is to attract the attention of the attractive design. But the app also has a lot to offer when it comes to functionality. Fortunately, there are no advertising circuits in the free version.

Immediately after the start, it is possible to record income and monthly expenses (also in relation to different accounts or credit cards) and to integrate them with notes or tests if necessary. All data are added to the selected category, which selects from the list or creates yourself.

You also have the opportunity to set monthly budget limits for individual accounts. In this way, you commit yourself to covering your account and reaching your savings goals more easily. You can see how far your pre -established budget is already exhausted. Contrary to other apps, the individual categories are not prepared graphically in the domestic book of Saymoney, but it is differentiated only using colors and text.

The app also has voice control, which is still in some way limited in terms of controls. However, it could be enormously developed accordingly to insert new data records.

Good to know: A maximum of 10 permanent orders can be created in the free basic version of Saymoney-Budget Book. To lift this limitation, you have to pay 89 cents once.

4. My home book: not to do without the Internet connections

My home book It is a universal app for Android and iOS, which is one of the most popular in their category. Contrary to the competition, the developers do not focus on an unusual design, but rather they focus (according to their declaration) mainly on the further development and implementation of customer requests.

The app is no longer visually visually and in terms of navigation of the menus, but under the retro hood there is an entire pot -poouries of practical functions. The structure is very well structured, so that the revenue and expenses can be inserted quite quickly and easily. With the help of individual reservations and permanent orders, you can easily understand how much money you have available every month. Thanks to the graphic representation, you can maintain an overview even with larger purchases for a longer period of time.

Furthermore, The Budget App app through a budget mode with which it is possible to set savings objectives depending on certain criteria or periods. In recurring budgets, it is possible to determine whether the remaining amounts will expire or take next month.

For safety reasons, my budget book has No internet access and therefore no account connection. If you still want to use them on multiple devices or save automatic backups in the cloud, consult the chapter «synchronizes» in the integrated instructions.

The app is available in 11 languages ​​and can be tested for free for a month. Subsequently, 2.99 euros are due.

Good to know: My budgetary book reached 3rd place in the «Finance & Business» category at the Connect Awards 2014.

(48 votes, media: 4,80 out of 5)

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