The best programs for home accounting. Review of the best programs for managing a family budget

Last update: 02/17/2019

The purpose of all home accounting programs– simplify the accounting of income and expenses.

The user of the program can set more specific goals: tracking savings, monitoring timely payment of loan payments, etc.

Some programs are specifically designed to help the user set and achieve financial goals.

When choosing a personal finance accounting program, you need to pay attention to two main criteria:

• functionality;
• program manufacturer.

Home accounting software features include:

• creating reports on income and expenses, on the dynamics of the balance of funds, accounting for different accounts;
• loan and deposit calculator;
• budget planning, calendar of future expenses.

The following options will be useful:

• fast transaction entry;
• recognition of SMS from the bank;
• multiplayer mode;
• synchronization of mobile and computer versions.

Among the software producers there are both beginners and developers with more than 10 years of experience.

Below we will consider 10 options for managing a family budget in 2019.

Excel spreadsheet for maintaining a family budget

Entering data into a spreadsheet is the first step from calculating in a notepad to modernizing family budgeting. Excel has ready-made templates for maintaining estimates of income and expenses, but you can download a more convenient template on the Internet or build your own table.

Advantages of an Excel spreadsheet for keeping track of family expenses

• No installation of additional software is required - work is done in a program from the standard MS Office set or free analogues;
• The ability to independently determine the components of accounting - categories of income and expenses, family members;
• All family members can use the program;
• You can store a data file on a USB drive and have access to accounting from any computer.

Disadvantages of an Excel spreadsheet for controlling family spending

• There is no special interface for the family budget - pictures for categories, options for categories of income and expenses;
• You can only work from a computer or laptop; there is no synchronization between different PCs (although you can configure it using any cloud storage if you wish).

An alternative to an Excel spreadsheet is Google Sheets

Google Sheets is part of the Google Drive service. You will need to create an account once and then you can use all the features.

Advantages:

• can be used for free - this is a significant plus, because we talk about saving money in the family;
• There is synchronization via the Internet + you can install the application on your phone.

Personal Finances

The program, formerly known as Personal Finances and now called Azlex Finance, has been around since 2006 and is constantly being improved.

Advantages of Azlex Finance / Personal Finances

• Possibility of accounting by several users. Each family member can create their own personal account with their own password and the ability to hide some transactions from other family members;
• There are versions for iOS and Android with synchronization of mobile and computer versions via the Internet. You can enter information directly in the store from your phone so you don’t forget anything;
• Convenient, quick transaction entry;
• Ability to edit spending categories, family composition, contractors;
• Convenient creation of reports on spending categories, accounts, family members, the ability to view financial dynamics;
• The presence of a planner that allows you to reflect future and regular expenses in the calendar;
• Nice design with the ability to assign icons to expense categories.

Disadvantages of Azlex Finance/Personal Finances

• Not all features are available in the free version;
• The program is very detailed, which requires time to familiarize yourself with all the features.

Review of Easyfinance.ru

EasyFinance Ltd has been operating since 2009 and offers paid applications for iPhone and Android or free family budgeting directly on the website. There is no version for computer available.

There are 3 tariffs with different functionality.

Advantages of easyfinance.ru

• Availability of the main functions of the budget program - reports, schedules, planning;
• The entire amount of funds for the month is shown in the form of a tachometer, where the arrow indicates the amount of money at the moment. It’s convenient to monitor expenses and avoid falling into the red zone;
• Possibility of linking a bank card to an account (not for all banks). When paying for goods and services with a card, the transaction will be automatically entered into the program, and you will not have to waste time entering it manually;
• The program specifically places an emphasis on long-term planning, which allows you to save about 15% of your income for major expenses and dreams;
• Availability of a calendar with reminders about the need to make regular payments;
• The program monitors the financial situation in the country and offers profitable solutions for opening deposits and loans.

Disadvantages of easyfinance.ru

• The free version only works on the website. Not everyone wants to post all the information about their income on the Internet, although the site is protected;
• Paid versions are presented in the form of various tariffs from 99 to 250 rubles per month.
• There is no multi-user interface - the program is focused on personal, not family finances.

Review of Drebedengi.ru

Another online service operating since 2007. Presented as a computer program and mobile applications in free and paid versions.

Paid once a year at a rate of 599 rubles.

Advantages of www.drebedengi.ru

• Availability of multi-user mode;
• Availability of applications for computer, Android, iOS, Windows Phone and the ability to synchronize data on different devices;
• Availability of a planner, reports, tracking the dynamics of balances;
• Possibility of processing bank SMS by the program for automatic entry of transactions;
• Shopping list function. You can make a list in the program before going to the store. It’s convenient that different users can make a list and make purchases - a wife can make a list on a computer from home, and a husband can see it on his mobile while in a store - and there’s no need to dictate anything over the phone;
• Data backup by sending backups by email;
• Nice minimalistic design with images assigned to categories.

Disadvantages www.drebedengi.ru

• The free version has a minimum of features: no multi-user mode and synchronization, no budget planning, no report templates.
• The free version also contains advertising.
• In fact, the free version only allows you to record transactions.

Mybudget.ws

A relatively young service, operating since 2013. Offers home accounting on a computer, tablet, phone through the website. There is a free trial version and two paid plans – 249 and 299 rubles per year.

Advantages of mybudget.ws

• Keeping records of several accounts: cash, cards, savings;
• Availability of synchronized computer and mobile versions;
• Convenient creation of reports in the form of graphs and tables;
• Financial goal. The program helps you set goals and move towards their implementation;
• Ability to assign labels to categories.

Disadvantages of mybudget.ws

• Lack of multi-user interface;
• Poor features of the free version.

Zenmoney.ru

Zen Money is a free online service that has been operating since 2010. There is a mobile version, which is sold on Google Play for 590 rubles.

Advantages of zenmoney.ru

• Multiplayer mode;
• Mobile and computer versions with synchronization;
• The mobile version has a function for recognizing bank SMS. When an SMS from the bank arrives on your smartphone, the program automatically reads the purchase information and enters the data into the desired category - no need to waste time manually entering information;
• There are many opportunities for financial analysis, there are various tables and graphs, comparison of income and expenses by period.

Disadvantages of zenmoney.ru

• There are errors with data synchronization;
• Not everyone will like the minimalist design without category labels.

Internet banking

Some banks offer financial accounting as part of the Internet Banking service.

Advantages of accounting via Internet banking

• All transactions are entered automatically when paying for the transaction by card - you do not need to create transactions yourself, nothing will be forgotten;
• The data is stored on the bank's server - it will not be lost, and you can always access it from any device.

Disadvantages of Internet banking

• It is not possible to enter expenses in cash;
• No multiplayer mode;
• Few functions for analysis and budget planning.
• In the long term, it is problematic to obtain all the cost statistics.

Rating leaders - who is the best in 2019?

Let’s summarize what program or service will be most convenient for keeping track of your family budget/personal finances.

1. Personal Finances programs (1st place)
2. Home economics (2nd place).
3. Google Sheets (if used instead of Excel), then third place.

You also need to consider, that these assessments for some items may change over time and are subjective. If you notice an inaccuracy, you know a good program/service, then write in the comments, I will definitely add it.

It would also be interesting to know alternative options for keeping family money records. Write below in the comments.

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 categorize amounts. 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

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To protect yourself from big expenses and save up for a small house somewhere on the seashore, you don’t have to deny yourself everything and tightly sew your savings into a mattress. Sometimes it’s enough just to use personal assistants that fit into a regular smartphone. website collected 10 applications for saving, counting and increasing your income.

Zen mani

A convenient tool for budget planning with recognition of SMS from all the largest banks in Russia, Ukraine, Belarus and automatic creation of transactions. You can work on several devices - the data will be automatically synchronized. In addition, the program analyzes costs and makes forecasts. It's quite easy to understand here.

CoinKeeper

Very convenient for quickly recording expenses directly at the checkout. The main screen of the application looks like a large coin holder. Income, wallets and expenses are presented as stacks. To record a waste, just move a coin from one stack to another. In addition, the application analyzes income and expenses for different periods, helps make forecasts and has many other useful functions.

Rubbishmoney

The application has 4 laconic directories: expenses, income, movements and exchange. You can make a shopping list and then audit it: what was bought, what was not, how much was spent. The application allows you to create both short-term and long-term budgets. You can plan to buy, say, a sofa, and the “Drebemoney” will diligently count how much is left to save. The application has a multi-user mode - you can connect all family members to the system and monitor the overall budget.

Spendee

The application has fairly minimalist functionality, so adding a purchase to the database will take no more than a couple of seconds. Those who are strong in spirit can take a look at the expense statistics section. After this, many are guaranteed to begin to refrain from unnecessary little things that they usually grabbed from display cases without thinking.

Toshl is quite similar in functionality to Spendee and, rather, is its eye-pleasing alternative, since you will be keeping track of expenses under the supervision of cute cartoons of Asian origin. The downside: you can’t specify multiple accounts, but you can separate them with tags.

Daily Budget

If you want to start saving money for something more meaningful than lunch, this app will help you take control and calculate your daily expenses. First, you need to enter your monthly income, indicate the amount of standard monthly expenses (for example, utility bills) and indicate the percentage of your total income that you want to put into the piggy bank. After a little thought, the application will give you an amount that you can safely spend during the day.

HomeMoney

A convenient and widely appreciated application for home accounting. Allows you to record expenses, income, transfers from account to account, and evaluate account balances. It is possible to view the entered information in the form of graphs - and it immediately becomes clear where the holes are in the budget.