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6 Apps That Manage Your Money For You

Managing money is a daunting task, especially when dealing with complex forces in the market and the rules governing different investment plans. Thus, many people choose to leave matters in in the capable hands of a financial planner.

Of course, such services, though effective, are often pricey and aren’t necessarily accessible if you’re strapped for time or on the go. Wouldn’t it be nice if you had a miniature financial planner you could carry around in your pocket? Whenever you’d find yourself needing money advice, you could just pluck him out and stand him up in the palm of your hand, and he’d tackle all of your concerns.

Modern science has yet to perfect the miniaturized, portable professional, but for the time being if you own a smart phone you’ve got the next best thing. Next time you find yourself in need of money management with speed, convenience, and thriftiness in mind, check out a few of these useful apps.

Mint Quickview

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Image via iTunes

If this is your first try at budgeting or financial planning, this appetizing app is a perfect tool to help you get started. What Mint Quickview offers is simple but effective. The app keeps track of your transactions and categorizes them, determining where your money is going in a given timeframe. It then presents this valuable information to you in a simple, clean, user-friendly interface, allowing you to quickly and accurately see what’s going on with your budget without any confusion.

Manilla

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Image via iTunes

Maybe you lead a busier life than most and would rather not have to check a dozen different apps just to keep track of your money. In that case, Manilla is your best bet. The app, whose tagline is “everything in one place,” is a handy tool for organizing your accounts, monitoring regular payments like subscriptions or bills, and checking on expected income and expenses.

Life Annuity Calculator

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Image via iTunes

Let’s jump to the other end of the spectrum. You might actually prefer to have multiple apps instead of one universal program. That way, certain apps can specialize in particular fields, ultimately giving you a more comprehensive financial advice experience.

Take, for instance, the Life Annuity Calculator. For just $2, the app does just one thing, but it does it better than anything else out there — there exist a few annuity calculators on the app market, but only this one can calculate a life contingent annuity as well as a term certain annuity.

If you want to understand annuity calculators more or compare your app’s calculations to your own, reference a comprehensive annuity how to guide that offers more information about it than an app does.

Wallaby

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Image via iTunes

Nowadays, it feels like there’s a credit card for just about everything. To make matters more complicated, they all promise better rewards and services than any other card available, but logic says they can’t all be the best. Fortunately, Wallaby exists to answer it for you. The app will recommend to you, based on various cards’ rates and rewards, which one would work best in a given situation, so you don’t need to leave it up to educated guesses and chance.

Tricount

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Image via iTunes

A group outing will surely be lots of fun, but it also promises a stressful conclusion (unless one member of your party is especially generous) with the dreaded moment where everyone has to figure out how to split the cost. Tricount does the hard work of this exercise for you, calculating who owes whom what, based on individual contributions and expenses. It even has a handy feature to share its findings with the group members via e-mail, ensuring that no one is kept in the dark or sneaks away without covering their cost.

WattzOn

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Image via ApplianceAdvisorApp.com

For many of us, as we use more and more technology around the house, the monthly electric bill is growing increasingly cumbersome. Does the size of your payment make you think that life would be a lot easier if we all just went back to living in log cabins and dirt huts? Before you adopt a rustic lifestyle, consider trying out WattzOn. You give the app information about your house and its energy usage, and it offers advice on how to trim those burgeoning bills.

With the ready availability of money-management apps on today’s market, especially those that are free or very cheap, you potentially have not just a miniature financial planner in your pocket, but a whole team of them. Browse through these top picks and beyond, and find the portable money-managing solution that’s perfect for you.

About Kim Parr

Kim Parr is a private practice optometrist, freelance writer, and personal financial blogger. You can follow her journey to 20/20 financial vision at Eyes on the Dollar.

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