Thursday, June 20, 2024

This software has never been more important: the best budgeting and finance apps


Food and energy prices are rising rapidly in Germany. It is advisable to monitor income and expenses with financial apps. We present the best applications.

You can monitor your own finances in a variety of ways. Probably the most classic type is the home print book. But Excel spreadsheets, templates, and handy apps that do most of the work automatically are also often used. We present the best tools for your finances.

The off-road apps: Bluecoins and Money Manager

Money Manager (left) and Bluecoins (middle, right) bring all the important features to the smartphone.
Money Manager (left) and Bluecoins (middle, right) bring all the important features to the smartphone.

Image: CHIP

Tracking income and expenses through a smartphone offers several advantages. You can enter your purchases directly at the supermarket in the application or, in some cases, simply take a photo of the receipt. The second advantage of financial tracking via mobile phone is due to the software available.

Truly modern tools now appear almost exclusively for smartphones. The best Money Manager and Bluecoins apps for Android have a contemporary design and also have a lot of practical features. On the iPhone, we recommend Money Manager.

To download: Money Manager and Bluecoins

In addition to the standard registration of accounts and payments, both applications offer many other useful functions. You get your expenses broken down to the last detail and set your monthly budgets for various categories.

If you want an even greater range of features, you can purchase premium versions of both apps. You can even use Money Manager on PC in the Pro version.

The best financial tools for the PC

Even those who prefer to enter only their income and expenses on the PC will not leave empty handed. With the free MyMicroBalance program, you can manage your savings and assess your finances. Enter your income and expenses through a neat and functional interface. You can automate recurring items. All your data can be protected against unauthorized access with a password.

The tool not only calculates your current account balance, but also evaluates your data graphically. You can see at a glance when and what you have spent a particularly large amount of money on. If you prefer to enter your data yourself, you can download several free budget book templates from us. Whether as a PDF for printing or as a template for Excel, you have complete freedom.

Budget Book: Download Now

Smart home book for smartphones: Mobills and 1Money

Mobills (left, center) and 1Money (right) offer more than the usual financial tracking features.
Mobills (left, center) and 1Money (right) offer more than the usual financial tracking features.

Image: CHIP

1Money and Mobills Android apps come with a sleek design and cool features, which go beyond just a simple home book. With 1Money you can see all expenses at a glance and see the different categories. There’s also a special budgeting feature that lets you split your salary into savings and expenses into different categories, like groceries, cars, or shopping. At the beginning of the month you can already see what you can expect and what you will save.

With a clearly structured and customizable dashboard, it’s very easy to keep an overview on Mobills. You can see at a glance how much money you have left for the month. With the travel mode, you can enter expenses separately as part of a vacation. Individual goals, like a new car or a vacation trip you can afford each month, also make it easier to save money. iPhone users can also download Mobills.

Mobills also has a web view which you can also use in the free version. The premium version of this app is slightly more expensive and can only be purchased through a subscription model. You can also get 1Money in Pro version without subscription. You pay 14.99 euros for this.

To download: 1Money and Mobills

Saving money on a daily basis: buying correctly helps enormously

When it comes to saving, it’s often the little things in life that count. In addition to a household book, for example, a simple shopping list helps save a lot of money. If you focus on the products you really need when you shop, you won’t end up with a cluttered shopping cart at the checkout. The free applications of Bring! Shopping lists for Android and iOS help you keep track.

To download: Bring shopping list

Save at work: invoice expenses correctly

Many employees calculate penny-for-penny accurately, while others don’t even know what expenses their employer reimburses them for. But expenses are also an important issue, especially for business travelers. Our download package provides you with a package of invoice and expense templates that you can easily adapt and complete to suit your own requirements.

With Microsoft templates, the design options for formatting text and the quick and easy creation of a professional invoice or expense report were highly appreciated. All templates are compatible with “Microsoft Office Word” and “Microsoft Office Excel” from version 2003.

Download Now: Office Templates

The best financial downloads

Still haven’t found what you’re looking for? In our list, we have put together a great collection of tools that will help you take control of your finances in the future.

Budget Book: Best Downloads

Mortimer Rodgers
Mortimer Rodgers
Professional bacon fanatic. Explorer. Avid pop culture expert. Introvert. Amateur web evangelist.

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