Programs for home accounting. Review of the best programs for managing a family budget Program for managing personal finances

Salaries are paid regularly, but there is never any money. Many of our compatriots will agree with this statement. What is the problem - low wages or the inability to properly distribute personal funds? Let's try to figure out how to do home accounting and learn to control your family's finances.

Pros of Home Financial Planning

At first glance, home bookkeeping may seem like a boring and routine task. Constantly collecting all receipts and recording expenses is unusual for those who have never thought about their own expenses before. But in reality, financial planning is the key to stability and prosperity. Once you start recording your expenses and income, you can quickly find the answer to the question: “Where does the money go?” And rational distribution of funds and savings will help you save up for large purchases and get rid of debts. A home budget is a financial planning tool accessible to everyone. With its help, you can learn to save money, give up spontaneous acquisitions and gain financial independence. How to conduct home accounting correctly and effectively?

Common options for organizing a family budget

The most common are three forms of family budget. This is a general, partially shared or separate budget. The classic option for distributing funds in many families in our country is common family money. This system assumes that all earned funds are kept by one of the spouses, and he is also responsible for their distribution and spending. Most often, with such a budget organization, the wife manages the money. The main disadvantage of this option is the increased financial responsibility (for the distribution of funds) of one of the spouses. At the same time, most often, most of the household responsibilities fall on the shoulders of the one who manages cash flows. Young couples often choose a separate budget. In this case, each spouse manages their personal income, while allocating a portion for common needs. This option is not bad, but only if both husband and wife work and have a stable income. The most democratic form of family budget: partially shared. There are two varieties of it. In the first case, most of the funds earned by the spouses are added to a common piggy bank and spent in accordance with the needs of the family. At the same time, everyone still has enough finances to manage personally. In the second case, most of the spouses’ salaries are spent on basic household expenses. The money earned by the second of the pair (smaller salary) is postponed. Both options are a completely suitable basis for competent financial planning. How to properly conduct home accounting, who should manage money in the family? Each couple must find the answer to this question directly for themselves. All of the home budget options described above are acceptable and have a right to exist.

Home Accounting Tools

How to do home accounting: in a notebook, in a computer program or on your personal smartphone? It all depends on your lifestyle and personal preferences. The classic format is a ledger. This is a notebook, notepad or barn book, pre-lined for the number of expense items. In this case, the budget is filled out by hand. You will need pens (it is more convenient to use at least 2 colors). It is useful to keep your ledger along with a calculator for ease and speed of calculations. An alternative option will appeal to fans of electronic documentation. The well-known Microsoft Office Excel program was created specifically for working with tables. It is not difficult to master even for an inexperienced PC user. How to do home accounting in Excel, are there any nuances? No, everything is just the same as in a paper notebook - you just need to create a table of the appropriate size. Today, private financial planning is a hot topic. If you wish, it is easy to find special applications for PCs and smartphones, as well as online services designed for maintaining a home budget. Many users find them incredibly convenient. Often, such programs actually have nice additions in the form of shopping lists, reminders, and automatic summing up of the month.

Basic rules for maintaining a home budget

What do you need to know about accounting to successfully apply its principles in everyday life? The first rule is regularity. Record all expenses regularly. Not all of us have the opportunity to fill out financial spreadsheets every day. However, this must be done at least once every 2 days. If you keep records less often, you are likely to forget a significant portion of small expenses. Financial planners recommend not to miss a single detail. Often, such “small” expenses as payment for travel on public transport, ice cream and coffee on the way home make up a significant part of any expense item.

How to fill out the income section correctly?

The first and quite important section of the home budget is family income. All funds received by family members are recorded here. These are salaries, social benefits, interest on investments. Don't forget about one-time income. Bonuses, personal financial gifts, and compensation payments must also be recorded. Even if you win the lottery or accidentally find a bill on the street, be sure to record the amount received in the income section. It turns out that everything can be divided into stable and one-time ones. Of course, when planning financially, you should rely on the first category.

Main expense items

The most significant expense item is monthly payments. Each independent person pays monthly bills for utilities, Internet and telephony, and education. Usually these are fixed amounts. If we do home accounting, all regular monthly payments can be placed in one column. Many modern people spend personal finances on additional education or self-development. Should you include the cost of a fitness center membership or language course in your monthly payments? If there are no more than 3 items of similar expenses, it is logical to write them down in the same section. If there are a larger number of paid educational services, it makes sense to include them in a separate column. The next broad section of the home budget is food. How many columns should there be in the table? How to do home accounting correctly? It all depends on the needs and habits of the family. Expense items that are standard for most: home, clothing, household chemicals, medicines, entertainment, hobbies, gifts. If the family has children or pets, you can also allocate a separate spending section for each of them. You will understand how many sections your budget should have as soon as you start maintaining it. Don't forget to include a "Miscellaneous" column. It will be possible to record all forgotten expenses, as well as expenses that cannot be classified according to the chosen classification.

Will the home budget fit?

It is enough to record your expenses for 1-2 months, and you will be able to understand where the funds in your family go. Most of our compatriots, who are unaware of this, can only name the amounts of monthly payments with confidence. And this is already important data for analysis. If expenses for utilities and other mandatory monthly contributions exceed half of the family income, this is a reason to think about looking for a part-time job or changing your main job. In cases where this is not possible, you should try to apply for subsidies. For many categories of beneficiaries, social discounts are provided for utility bills and children's education. Be sure to regularly summarize your budget and analyze the rationality of your spending. You already know how to do home accounting. A PC program created to control personal expenses can read all entered data automatically. If you keep a home budget in a notebook, you will have to use a calculator.

Principles of rational economy

Maintaining home accounting will allow you to be more conscious about spending. How to save without compromising your quality of life? One of the extensive expense items is food. You can really save on food if you always prepare a sample menu and lists of necessary purchases in advance. Compare prices in different stores, make purchases at wholesale stores. You can also save a lot of money on purchasing clothes by visiting seasonal sales and giving preference to items from past collections. Try to give up impulse purchases, try to plan every trip to the store in advance.

How to do home accounting in a notebook: sample filling

We present to your attention a sample template for maintaining home accounting in paper form. You can draw the same table in your ledger or change it slightly. According to some experts, it is much more convenient to arrange fixed expense items in the form of vertical columns and fill them out as financial transactions are carried out. This is just one of the options for doing home accounting in a notebook. The example given at the beginning of this paragraph is best suited for a young family or a solo financial planner. If the budget is drawn up for spouses who have at least one child, the vertical arrangement of the columns is most relevant.

Conclusion

We tried to explain in as much detail as possible what home accounting is. How to manage, a sample table, options for organizing a family budget - all this is presented in our review. Maybe it's time to start recording all your income and expenses today?

Money is like water - it flows through your fingers, no matter how hard you try to hold it. And figuring out where they flow can be very difficult. Few of us keep in mind the amount of daily small expenses, but it is they who create that very gap in the family budget that is not clear from where.

Have you finally decided to put your family finances in order? Don't rush to sign up for accounting courses. A computer program can become your personal economic advisor. Don't think that this is something complicated and expensive. Many programs for home accounting are completely free and do not require special knowledge of economics. They will open up channels of cash leakage for you, take charge of balancing “debit with credit”, teach you how to plan your budget correctly and tell you where you can save. As practice shows, those who regularly use such programs have managed to reduce monthly expenses by 5-25%.

More than 15 years old, but users still consider this program one of the best among its analogues. It does not shine with sophistication of design, but it is very clear and simple, as can be judged even by the appearance of the main window. In addition, it is very functional: if you compare the capabilities of CashFly and the majority of free analogues, the first one wins in many ways.

Here is an incomplete list of what she can do:

Work without installation, which allows you to use it on different computers (for example, at work and at home). It is enough to unpack the archive with application files into a separate folder and save it on removable media or in the cloud.
Keep records of income and expenses for an unlimited number of items, several accounts and in different monetary units. Initially, the program contains US dollars and rubles, but you can add other currencies.
Take into account the income and expense transactions of several users - both in the general budget and separately.
Maintain accounting for a small enterprise.
Make calculations using a calculator.
Make account statements, compile summary reports on the flow of funds for selected periods of time and display them in the form of graphs and charts.
Print summaries.
Protect data with a password.
Plan a budget for future periods.
Save old data in archives.
Store user notes (diary) and phone book, more precisely, lists of organizations and individuals with their phone numbers, addresses, dates of birth and other information. Make reminders about events.
Convert amounts from one currency to another, according to the rate set by the user.
Disable unused features.

Unfortunately, the development of CashFly is currently stopped. Its last version was released in 2010, and since then the product has not been updated. The list of systems it supports officially only includes Windows 7 and earlier OSes, but, as it turned out, it starts and works on Windows 10 without any problems.

(download from the mirror) is another worthwhile personal finance management tool, but, like CashFly, it has long been abandoned by its developers.

The main advantages of the program are simplicity and flexibility, as well as high performance due to the absence of rarely used functions. The user can customize the appearance of the main window to his liking by enabling or disabling individual blocks and panels in it.

How Xenon will help you control your Family budget:

Will take charge of accounting for incoming and outgoing transactions for any period of time. A list of the main items of income and expenses is already present in the program. Each operation can be supplemented with text notes and comments.
Allows you to control the movement of funds on several accounts in five currencies: Russian ruble, Ukrainian hryvnia, Kazakh tenge, US dollar and euro. Current rates do not need to be entered manually, as in CashFly. Just download them from the Internet.
Shows reports by transaction types and currencies for the selected period of time.
Exports the selected data to Excel documents or prints them to a printer.
Saves your notes about various events.

"Xenon Family Budget" is a single-user program, but allows you to keep track of the income and expenses of several family members. There are no restrictions on the amounts, numbers of accounts and transactions.

The last release of the program was released in 2006, and since then it has also never been updated. However, no problems were noticed using it on Windows 10.

It is a lightweight version of AceMoney, an advanced commercial product for home accounting. The difference between the free version and the paid one is the ability to manage only two accounts (the program counts not only funds stored in the bank as an account, but also, for example, cash belonging to the family). The remaining functions of both products are almost the same.

AceMoney Lite features:

Control and accounting of any incoming and outgoing transactions.
Automatic accounting of regular payments and income (for example, loan payments and salaries) according to a user schedule.
Supports 150 world currencies. Displays exchange rates in real time (if you have Internet access).
Planning a budget for various purposes over different periods of time.
If a bank account is connected to the program, AceMoney can receive up-to-date data on its status directly from the bank (however, the program is not “friendly” with Russian banks).
Displaying current information about the value of exchange shares (significant information for investors).
Calculation of debts (payments on loans and credits), savings (deposits and deposits), mortgage payments.
Various types of reporting: on the movement of funds in the account, expenses, income, expense categories (for example, monthly expenses on gasoline, groceries, utilities), budget, investments, etc. Reports on individual correspondents (those to whom you pay and from whom you receive payments from).
Password protection of reports and backups.

For those who are just mastering the science of home economics, help on working with the program will be a useful help. In AceMoney it is in Russian.

AceMoney Lite, unlike the two above-mentioned applications, is updated regularly. In addition, it officially supports Windows 10 and all earlier system releases starting with Windows XP.

- another “lite” version of the commercial product of the same name. The free version retains full functionality until the total monthly income of all its users exceeds 14,000 rubles. After exceeding this modest amount, the program will offer you to buy the full version, which costs 250-500 rubles.

Features of Economy Lite:

Supports multiple users and any number of their accounts in different currencies (US dollars, rubles, euros, pounds sterling).
Accounting for income and expenses of debts (loans) both for each user individually and jointly.
Accounting for transfers of funds from account to account (for example, when withdrawing funds from a bank card, the program will write off the amount from the “card” account and add it to the “cash” account).
Generating reports on income, personal expenses, account balances, debts (how much and to whom you owe, as well as how much and who owes you), loans, income minus expenses. Display reports in graphical and text form.
Printing reports on a printer.
Color highlighting of individual categories of income and expenses for greater clarity.
Reminder about the deadlines for regular payments, for example, loan installments, utilities, etc.
Built-in help in Russian and useful tips on using the program.
Scheduled data backup.
Convenient system for searching and filtering information of interest.
Password protection of access to the program.
Automatic installation of updates that come out almost every month.
Technical support.
Transition from the Economy Lite interface to useful articles on the developer’s website. Articles are devoted to finance, personal growth, making money on investments, work and career (including making money on the Internet through affiliate programs, blogging, YouTube, freelance exchanges, etc.).

Economy Lite is officially supported by all versions of Windows, starting with XP.

is the only cross-platform application in today’s rating that, in addition to Windows, can be used on Mac OS X, Linux, iOS and mobile phones running the java platform. To install the distribution, you must have Java SE Runtime Environment 1.5 or later versions on your system.

At first glance, DomEconom may seem complicated (at least in comparison with other applications reviewed), but immediately after installation, along with the main window, Russian-language help opens, which contains all the necessary information on working with the program. In addition, the registration of a user account and the creation of the first financial notebook (a file where information about income and expense transactions is stored) is accompanied by the Wizard.

DomEconom features:

Supports multiple independent user accounts.
Maintaining general and separate budgets.
Entering data from various devices. When you connect your computer or phone to the Internet, DomEconom data is automatically synchronized, but if you wish, you can work offline.
Supports different types of accounts (cash, bank, credit, etc.) in almost any currency.
Automatic update of exchange rates.
Planning expenses for various types of needs.
Drawing up balance sheets and reports for all categories of income/expenses in tabular and graphical format.
Export reports to Excel documents.
Creation of an unlimited number of individual and shared notebooks, protected by passwords.
Automatic backup.
Password protection of user accounts.
A large number of built-in templates for all types of operations, expense items, etc.
Help section in the main window, where tips on actions in the program are displayed (can be disabled if desired).

Currently, the development of DomEconom is suspended, but the official website, from where you can download the application distribution for all supported OS, is still working.

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

Not every financial accounting application is designed for general control, and family members have to either keep their own separate accounting records or choose one member of the household to whom the rest will report their spending data on a daily basis. It is very uncomfortable. For a family budget, programs that synchronize everyone's expenses and income are more suitable, in other words, they allow you to work in multi-user mode. We'll tell you about them.

1. Alzex Finance: family budget

In the application, you can divide income and expenses into different categories and subcategories, including by family members, which demonstrates the overall financial picture in great detail. This is the main feature of the program - to divide everything into small components and arrange them in a way that is convenient for a particular family. For example, a user can create as many accounts in the program as he needs - cash, credit cards, bank accounts, electronic wallets, etc. - and combine them into groups.

Several people can work with the family financial database; all that is needed is to synchronize changes via the Internet each time using the Dropbox cloud service.

Cost: Basic functionality is free. But the ability for different family members to keep one account is paid. It is available in the premium version, which costs 599 rubles (indefinitely). The purchase is not tied to the phone, but to the Play Market account, so the premium version will be available on all phones where this account is specified in the settings.

Available for: Android, iOS

2. Rubbish money

The application is very convenient and easy to record new expenses; according to the developers, this can be done without leaving the cash register. The number of accounts and expense categories is not limited in any way; each family member can leave comments on their expenses. It is possible to view an extended report on the total budget at least every day. Additional options include a shopping list for going to the supermarket, so you don’t forget to buy anything in the store.

Cost: The application can be downloaded and used for free, but connecting the whole family to the system is only possible in the paid version - 549 rubles per year for everyone.

3. Family budget

The system helps you organize your expenses, income and bills and manage them together. Synchronizing data with the site allows you to conduct home accounting both from a computer and a smartphone. All records can be grouped into categories and charts can be built, which simplifies further analysis of all expenses. The family can plan a budget for any business or major purchase and adjust their expenses accordingly. One of the features of the program is the ability to maintain separate statistics on electricity and water consumption. All you have to do is select a tariff and enter your meter readings. The service itself will calculate the amount to be paid and save the payment history.

Cost: The main functionality of the application is free, including multi-user mode, but activation of the “Budget” module is paid (1,169 rubles per year).

Available for: Android, iOS

4. Personal finance EasyFinance.ru

The EasyFinance.ru application, like other similar resources, makes it quite easy to record your income and expenses, grouping them into categories and subcategories. There is also the opportunity to create templates for frequent operations and work with budget items. Distinctive features include a tachometer, which signals in case of overconsumption. The site itself has a little more functionality, for example, you can set financial goals.

Cost: Basic functions can be used for free, but additional functions, including the ability to keep records for the whole family, are already included in the paid package. To connect two users you will have to pay from 69 rubles per month (depending on how long the service is activated), up to six people can be connected for a minimum of 99 rubles per month.

Available for: Android, iOS

5. Toshl finance

This app has a fun approach to finances. It has Toshi monsters that give advice to users, warn about overspending and praise for saving. When paying at a restaurant, the service can calculate the tip amount itself. He also reminds you of the need to pay bills and knows how to convert expenses in foreign currency into rubles.

Cost: Free app, but some features, including multi-user mode, are only available in Toshl Pro for $19.99 per year or $1.99 per month.

Available for: Android, iOS, WindowsPhone

6. Zen money: cost accounting

The application can recognize and take into account SMS messages from banks in expenses and income. Family members can divide their accounts into general and personal, transactions on which will be hidden from the eyes of relatives.

Cost: The standard version is free, advanced functionality with reports, account management and SMS recognition can be activated indefinitely for 1,249 rubles for all family members.

Available for: Android, iOS

7. Where is Money – accounting for expenses and income

Nice and clear interface. The service allows you to quickly and conveniently record expenses and analyze the expenses of each family member. When one user displays a new purchase in the shared wallet, others receive Push Notifications.

Cost: Shared wallet with family, SMS recognition, reports, adding photos are included in the premium package, you can activate it for 2,290 rubles. Other features are free.

Available for: iOS

8. Money OK: Personal Finance and Budgeting

The program is easy to learn, it’s easy to enter expenses, the statistics are clear - they are displayed in the form of a pie chart separately for income or expenses. As a distinctive feature, we can note the editor for working with subcategories of expenses; you can group them simply by dragging one icon onto another, as happens with creating folders on the iPhone screen.

Cost: The application is free, the extended Pro version costs 299 rubles for each family member. It is possible for one to buy the initially paid version of “Money OK 2” for 379 rubles and set up a free one for the programs.

Available for: iOS

9. Home accounting

The set of tools is convenient, but standard: detailed accounting of income, expenses, debts, maintaining multiple accounts, visual reports and budgeting. Relatives can keep financial records both together and separately, protecting their personal account with a password.

Cost: No free functionality. For multi-user mode, you need to buy a family license on a PC and separately, each family member must also install a paid mobile application; if you buy a software package, it will be cheaper - 1,698 rubles for two. Purchases and updates within the current version of the program are unlimited, but installation of the next generation version is paid.

Available for: Android, iOS

As far as we can look into history, money played a very important role for people. And there’s no need to talk about it now. Everyone has their own attitude towards money: some worship it, some despise it, some just make money. According to the Chinese science of Feng Shui, if you treat money with respect, carefully, and keep it in order, this will help the family live in abundance.

Even those who are not familiar with this science know: money loves counting, so control over your finances is necessary. Previously, a variety of devices were used for this - from clay tablets to modern books of expenses and income. But nowadays it has become quite easy to keep track of your assets - with the help of a computer and special programs for accounting for finances. Also, instead of programs, you can use online services, which can be accessed from anywhere on the planet.

If you are interested in financial accounting applications on smartphones or tablets, we recommend that you refer to the publication “Budget planning on Android“.

You can enter your income in a variety of currencies, convert it into another at any time, and if you have an Internet connection, update the exchange rate with one click of a button. The program has an integrated calendar in which you can record days of possible expenses and income, and a reminder will not let you forget about the event.

Since the program has a large set of functions, it will not be easy to learn it right away. You will have to spend a couple of weeks mastering the intricacies of its work, but the well-organized control of income and expenses for the month and ample opportunities will compensate for the time spent.

The MoneyTracker program is paid; the trial version has no time limit for use, but the ability to enter data into the database is limited.

It is possible to replenish the database using SMS messages. jMoney supports the output of reports and the function of printing them, and the program is also equipped with a reminder system for current payments. In the program, you can create a backup copy of the database so that you are not afraid of spoiling or losing anything.

The jMoney program can be used for free, provided that the user’s income does not exceed 14 thousand rubles, otherwise you will have to pay.

Home accounting.

The Home Accounting program is a comprehensive solution for financial accounting. The program can be installed on both computers and mobile devices, between which data can be synchronized. With its help, you can keep track of not only your personal finances, but also the finances of your entire family, or use it to keep track of your company’s accounting.

The program has such features as accounting for expenses, income, money given and borrowed, monitoring debt repayment, planning expenses and income, accounting for funds in an unlimited number of accounts. Home accounting supports maintaining records in several currencies, with the ability to receive exchange rates from the Internet, display reports in the form of charts, and export any information.

Web services for financial accounting.

In addition to the usual programs for managing your income and expenses, which are installed on a personal computer or smartphone, there are also online services that provide access to your data stored on the server from anywhere and at any time. Popular online services include the following: zenmoney.ru, drebedengi.ru and easyfinance.ru. Some people are afraid to store personal information such as the amount of their income somewhere on an unknown distant server, but almost all web services guarantee confidentiality and security, since the data on them is stored in encrypted form.

The bright and colorful service easyfinance.ru is designed for maintaining financial records. It has both free and paid plans. If you are on a free plan, you can keep records only using the website; this plan is convenient for a small number of accounts. The developers guarantee that the free functionality will surpass any competitive product.

The drebedengi.ru service is intended for those who do not want to spend a lot of time planning and monitoring their funds and immerse themselves in studying the service. Drebedengi is a simple and convenient free system. A multi-user mode is possible to allow other family members to take control of finances.

The zenmoney.ru service (Zen Money) is an excellent service for keeping financial records, which is used by freelancers and entrepreneurs. The service is able to recognize SMS messages from banks and automatically create completed transactions in the service.

In addition to the listed online services, there are many others, both foreign and domestic, with different approaches and methods.

We looked at different ways to keep financial records. As a result, we can say that there is no better or worse among them. As they say, as many programs as there are so many opinions. The choice is huge; in addition to those covered in the review, there are hundreds of others, paid and free, with their own methods and principles.

If you are wondering what to choose - a regular program or a web service, there is also no clear answer. Today, some services offer a full range of possibilities for maintaining personal accounting records simultaneously on the service, from a program on a computer or on a smartphone.