Home bookkeeping: keeping a Family Budget. Family budgeting: the best bookkeeping software

Where did all the salary go? Who is to blame that money is slipping through your fingers? How to clean up your personal finances? If you, like me, are worried about these issues, it's time to become your own accountant.

No, we are not going to study balances and holdings, we don’t need to learn reversal transactions and currency clearing. In today's review - 3 free programs for home bookkeeping. All of them are intended for those who, like me, have absolutely no knowledge of economics.

AceMoney Lite

- "little brother" of a comprehensive personal finance management tool - the paid application AceMoney. Unlike the full version, Lite only allows you to manage two accounts, but for many of us this is enough.

An account in IceMoney is not only a bank card and savings book, but also a collection of cash belonging to a family or one person.

Application features

• Management of personal cash flows in currencies of 150 countries of the world.
• Track exchange rates in real time.
• Distribution of the budget for various needs: the application contains more than a hundred various items of expenditure.
• Tracking regular income and spending (salary, apartment payments, loan payments, top-up phone balance, etc.).
• Calculation of expenses for specific purposes for a certain period of time. A couple of clicks - and you will find out how much you spend on food every month, how much on gasoline, etc.
• Generation of reports by accounts, categories and correspondents (recipients of payments from you and those from whom you receive them).
• Export of reports to Excel and html formats.
• Obtaining information on the state of a bank account directly from the bank.
• Tracking the value of stocks - for those who.
• Calculation of savings, debts, mortgages.
• Hotkey control.
• Flexible settings, enable, disable individual elements and much more.

The program has a Russian-language reference manual plus on the developer's website.

How to use AceMoney Lite

Working with AceMoney Lite begins with creating an account. To do this, press the button of the same name on the top panel and click “ Add account". We indicate its name, group (for example, bank deposit, cash or credit), number (if any), bank name, interest rate, currency and other data that you need.

Next, we enter information about the replenishment and: click on its name and select “ New transaction»(A record of an incoming or outgoing transaction). In the window " Transaction»Mark its type (income, expense, transfer), correspondent, category (what you spent on - choose from the list or write manually), date, number, amount and comment.

While in the same section, you can download transactions directly from the bank's server, if the latter provides such services. It is possible to balance the balance for several transactions.

Recurring transactions (salary and recurring payments) are added to the program through the section " Schedule". Click on the button " Add payment»And indicate the parameters - frequency, duration, type (income, expense, transfer), source, correspondent, category, amount, etc. Regular transactions will be included in the list of operations automatically.

The distribution of finances for various needs (budget) is carried out in the section " Categories". Here we can select several predefined items of income and expenses (refueling the car, spending on food, etc.) or add our own. When creating and editing a category, you can set a different budget period, indicate the expected income and expenses, as well as the limit.

In general, AceMoney Lite copes with its tasks very well. Users note that thanks to the program, they managed to reduce their monthly expenses by 10-30% and finally understand where the money is going. It has only one drawback, more precisely, the current version - 4.36: writing categories in English.

AbilityCash

At first glance, the program seems incomprehensible and unfriendly - the windows are inconspicuous and half-empty, no explanations, no help (not yet written). But if you spend 15-20 minutes studying, you will discover a lot of its advantages. Many of those who have mastered AbilityCash consider it more convenient than AceMoney, and generally one of the best free home accounting software.

Main features of AbilityCash

• Creation of invoices without quantity restrictions and in different currencies.
• Tree structure of income-expense items (you can add as many subcategories as you need).
• Import and export of data in xml and Excel formats.
• Loading current exchange rates (optional).
• Compilation and printing of reports on exchange rates, fund balances and turnover dynamics.
• View transactions by items of income and expense for a selected period of time.
• Support for Ukrainian and Lithuanian languages ​​(selected during installation).

The following options are disabled by default:

• Tree structure and additional charts of accounts.
• The budget period in operations.
• Fields "Price", "Quantity" and "Time" in the list of operations.
• Several note fields that you can give your name to.

To activate any of this, go to the menu " File"And click" Data file settings».

How to use

Using AbilityCash, like AceMoney, begins with creating accounts and specifying the current balances of funds on them. To do this, open the first tab and press the " Insert". In the window, write the name of the account, select the currency and indicate the balance.

By default, there is only one currency in AbilityCash - the Russian ruble. To install additional ones, press Ctrl + R and download the current data from the website of the Central Bank of Russia. In the last window, select the currencies you want to display in the application.

To the section " Operations»(By analogy with AceMoney transactions) information about specific purchases, payments, receipts and money transfers between accounts is entered.

To get a summary of the state of finances or exchange rates, open the tab " Reports».

AbilityCash is undoubtedly a worthy tool for keeping track of personal funds. And it would be even better with contextual help, which the developers don't seem to remember about, and a more user-friendly interface. However, there is a short one on the official website. There is also where you can ask a question, if something is not clear, or report a problem.

Economy

The program "" is designed, perhaps, for those who are not at all friendly with accounting science and for whom the concepts of "transaction" and "investment" evoke deep anguish. There is no scientific terminology in it and everything is so simple and understandable that both a child of 10-12 years old and a person of venerable age can use it. The only limitation of the free version is that the total monthly income is no more than 14,000 rubles.

Application features

• Creation of any number of accounts and accounts, including foreign currency.
• Keeping records in the currency of several countries.
• Separate items of expenses, income and debts for each user.
• Reminder function for recurring payments and delays in loan (debt) payments.
• Creation of reports on several categories: fund balances, income for a period of time, debts and loans, expenses of each user for a given time period, income minus expenses.
• Filtering data for viewing.
• Automatic backup.
• Built-in Russian-language help.
• Go from the main menu to the developer's site.

For faster mastering of the program, you can download a demo file immediately after installation. In it - an example of managing the budget of a family of two people.

How to use

First, let's create a user and link all of his accounts to the account:

If you are one of those people who care about every penny spent, then most likely you will be interested in this a selection of mobile applications for home bookkeeping and personal finance on Android... With the help of these applications, you can easily keep track of your income and expenses, make a plan, see the result in the idea of ​​charts and sort the spent funds by category.

Today's review of the most popular applications for "home bookkeeping" includes: AndroMoney, Expense Manager, "Family Budget", EasyMoney, CoinKeeper and "Home bookkeeping".

AndroMoney

• Category: Finance
• Developer: AndroMoney
• Version: 2.7.12
• Price: Free - Google Play
• Pro version for $ 5 - Google Play

AndroMoney- multifunctional application for "home bookkeeping" for Android. According to the developers, creating this application, they wanted to make it with an intuitive interface, a huge number of various settings and additional functions that would help in the daily management of users' expenses and income. It is safe to say that they succeeded.

Thanks to its wide functionality, each user will be able to find suitable reporting tools for themselves. A distinctive feature of this application is the fact that you can set a budget for: one day, month, year, or a separate budget for the selected category.

In addition to all of the above, the AndroMoney application can create backups of your accounting records while saving them both to a memory card and to the cloud storage Dropbox or Google Drive. Also, if desired, each user can save his report in CVS format and continue working with it on a personal computer.

pros:

• Convenient intuitive interface;
• Wide functionality and many additional settings;
• Data backup;
• Converting to Cvs format for further work on a PC;
• Password protection and more.

Minuses:

• During the testing of the application, no minuses were found.

Expense Manager

• Category: Finance
• Developer: Bishinews
• Version: 2.0.5
• Price: Free - Google Play
• Pro version for $ 5 - Google Play

Expense Manager- there are several applications with a similar name on Google Play at the moment, but it is the application developed by Bishinews that is the most popular and popular in the opinion of users. This can be judged by the download counter in Google play, which recently reached the mark in 5 000 000 downloads.

The functionality of the application is huge, but the most important thing is planning your finances. Yes, the developers did not endow the program with a Russian interface, but in principle it is not needed, because everything is clear and convenient here. Initially, entering the program in front of us will be a template with several items of expenses, which, if desired, can be changed by going to the settings. You can also very easily view the necessary payments or look at a detailed and visual schedule of expenses.

As well AndroMoney, this application can easily back up your reports to the Dropbox cloud storage or your device's memory card. A distinctive feature of this application is the presence of a built-in currency converter, which, by the way, works only with an Internet connection.

In the Google Play store, this program is available in two versions: a free version and a full version, which can be purchased for $ 5, but with more functionality.

pros:

• Convenient minimalist interface;
• Many useful features;
• View reports in the idea of ​​graphs;
• Data backup;
• Currency converter (only if you have an Internet connection).

Minuses:

• Limited functionality of the free version;
• There is no Russian language

"Family budget"

Developer: maloii

Version: 2.1.11

"Family budget"- the official mobile client for Android, which exactly repeats the functionality of one of the popular web services for accounting. The developers claim that their service is the most convenient for planning expenses, and it will also easily allow you to keep track of the family's budget and spend money more efficiently.

The application turned out to be no less simple and convenient, thanks to which it is quite simple and convenient to use it, and the presence of huge functionality allows you to easily monitor financial affairs in your family directly from your phone or tablet.

Each created report can be viewed in the form of graphs that more clearly display all the necessary information on spending money. The interface of the application turned out to be quite convenient, there are no unnecessary elements and unnecessary functions. A convenient function of this service is automatic synchronization with an Android device, which allows you to quickly and comfortably transfer data entered on the site using a PC to a mobile device and vice versa.

pros:

• Convenient interface;
• Maximum settings;
• Synchronization with the service;
• Visual display of reports in the idea of ​​graphs.
• There is a "desktop" version of the service

• Category: Finance
• Developer: Handy Apps Inc
• Version: Depends on the device
• Price: Free - Google Play
• Pro version for $ 10 - Google Play

EasyMoney- the most expensive and most functional application in this category of applications. But judging by the number of downloads in Google play the price of the application does not stop users at all, especially since there is a free version of the program and you can test the initial functionality on it, and only then decide whether it is worth spending money on this program or not.

Of all the functionality that is in the program, I would like to note such opportunities as: displaying interactive reports and charts, maintaining several accounts in foreign currency, maintaining a home budget and tracking investments and the balance of plastic cards.

With the data backup function, you don't have to worry about the safety of saving your reports. You can easily transfer all the work done to a memory card or export reports in the format QIF (CSV).

pros:

• Huge functionality;
• Visual reports in the form of interactive graphs;
• Transfer of ready-made answers to the memory card;
• The presence of a convenient widget.

Minuses:

• Not entirely clear interface;
• Lack of Russian;
• High cost for the full version of the program.

CoinKeeper

• Category: Finance
• Developer: IQT Ltd
• Version: 1.5.3
• Price: Free for the first 15 days - Google Play

"Home bookkeeping"

• Category: Finance
• Developer: Keepsoft
• Version: 5.2.128
• Price: 4 $ - Google Play

Outcome:

Surely each of us cannot imagine life in the modern world without mobile devices. After all, with their help, you can solve many important problems, for example, make a shopping list, listen to the radio on the road, and other equally interesting tasks that modern gadgets can do.

In today's review, each of the applications deserves your attention, the functionality of almost each of the applications is unique and may be needed by different types of users. I made my choice in favor CoinKeeper, and which application is the best for you is up to you, of course.

Last update: 17-02-2019

The Purpose of All Home Bookkeeping Programs- to simplify keeping records of income and expenses.

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

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

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

• functionality;
• manufacturer of the program.

Home bookkeeping software features include:

• creation of reports on income and expenses, on the dynamics of the balance of funds, accounting for different accounts;
• calculator of loans and deposits;
• budget planning, calendar of future expenses.

The following features will not be superfluous:

• quick entry of transactions;
• 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 are 10 options for managing your family budget in 2019.

Excel spreadsheet for keeping a family budget

Entering data into a spreadsheet is the first step from calculating in a notebook to modernizing family budgeting. The Excel program has ready-made templates for keeping an estimate 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 household expenses

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

Disadvantages of an Excel spreadsheet for monitoring 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, if desired, you can configure using any cloud storage).

Excel spreadsheet alternative - Google Sheets

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

Advantages:

• you can use it for free - this is a significant plus, since we are talking about saving money in the family;
• there is synchronization via the Internet + you can put the application on your phone.

Personal Finances

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

Azlex Finance / Personal Finances advantages

• The ability to conduct 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 as not to forget anything;
• Convenient quick entry of transactions;
• Ability to edit spending categories, family composition, counterparties;
• Convenient construction of reports by categories of expenses, accounts, family members, the ability to view the dynamics of finances;
• The presence of a planner that allows you to reflect future and regular spending 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 takes time to get acquainted with all the possibilities.

Easyfinance.ru review

EasyFinance Ltd has been operating since 2009 and offers paid apps for iPhone and Android or free family budgeting right on the site. No computer version provided.

There are 3 tariffs with different functionalities.

Easyfinance.ru advantages

• 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 is convenient to keep track of expenses and avoid falling into the red zone;
• The ability to link a bank card to an account (not for all banks). When paying for goods and services by card, the operation will be automatically entered into the program, and you do not have to waste time entering it manually;
• The program specifically focuses on long-term planning, which allows you to set aside about 15% of income for large spending, dreams;
• Availability of a calendar with reminders of 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.
• No multi-user interface - the program is focused on personal, not family finances.

Review Drebedengi.ru

Another online service that has been operating since 2007. Presented by a program for a computer and mobile applications in free and paid versions.

Paid once a year at the rate of 599 rubles.

The advantages of www.drebedengi.ru

• Multiplayer mode;
• Availability of applications for a 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;
• Function "Shopping list". You can make a list in the program before going to the store. It is 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 will see it on his mobile while in a store - and there is no need to dictate anything over the phone;
• Backing up data by sending backups to the mail;
• Nice minimalistic design with assigning pictures to categories.

Disadvantages of 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 ads.
• In fact, the free version only allows you to record transactions.

Mybudget.ws

A relatively young service that has been operating since 2013. Offers home bookkeeping on a computer, tablet, phone through the site. There is a free trial version and two paid plans - 249 and 299 rubles per year.

Mybudget.ws Pros

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

Disadvantages of mybudget.ws

• Lack of a multiuser interface;
• The scarcity of features of the free version.

Zenmoney.ru

Zen Mani 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.

Zenmoney.ru advantages

• Multiplayer mode;
• Mobile and desktop versions with synchronization;
• The mobile version has a bank SMS recognition function. When an SMS from a bank arrives on a 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 periods.

Disadvantages of zenmoney.ru

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

Internet banking

Some banks offer financial accounting within the Internet Banking service.

Advantages of accounting via Internet banking

• All transactions are entered automatically when paying for the transaction with a card - no need to create transactions yourself, nothing will be forgotten;
• The data is stored on the bank's server - they will not be lost, they can always be accessed from any device.

Disadvantages of Internet banking

• It is impossible to enter expenses in cash;
• No multiplayer mode;
• Few functions for analysis and budget planning.
• In the long run, it is problematic to get all the spending statistics.

Ranking leaders - who is the best in 2019?

Let's summarize, with the help of which program or service it will be most convenient to keep track of the family budget / personal finances.

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

You also need to consider that these estimates 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 records of money. Write below in the comments.

Undertaking a review of the program "", I knew that this is the most eminent software of all presented. The program "" has the most powerful support, both online and offline. Domashnaya bukhgalteriya has many different awards and prizes, is included in the top best-selling programs in popular online stores, a lot of various articles and reviews have been written about it in such popular magazines as Kommersant-Dengi, Computer Bild, Domashniy hearth ”,“ PC Magazin ”, etc.

The first impression that appeared when launching the program is boring. I would like some colors. As I already wrote, for me, as a person not only leading with the help of computer programs, but also as a person promoting the management of the family budget to the masses, it is important that the process of accounting for personal finances is not boring and tedious. This is one of the reasons why people do not like to manage the family budget. Consequently, the tools for, which is specialized software, should give color and positive emotions to this process.

At first, I was scared off by the abundance of all kinds of pillars. But, having understood the program "" a little and adjusted it in the way I needed, it became more clear what and where. I liked the tooltips when starting the program.

The home page of the "Home Bookkeeping" program opened the accounts to my eyes. Having grumbled at the developers that even here they did not have enough imagination, mixing everything together, began to understand further. As an example, I propose to take a look at how the same data about existing accounts looks in different programs, starting with “Home Bookkeeping”:

Given the popularity Home bookkeeping, I would draw the attention of developers to a more thoughtful and user-friendly interface of its competitors.

The tabs for working with expenses and income are also inconvenient. I'm used to having everything in sight. More precisely, one page displays my expenses and income for each day. See screenshots:

As you can see from the screenshots, in the last two programs, Expenses, Income and Balance are displayed on one page. In “Home Accounting”, to view this data, you need to switch to different tabs. This is inconvenient for me, for which I give the developers a minus.

The next thing I didn't like about “ Home bookkeeping”Is how the function of transferring funds to other accounts is performed in this program. I have several accounts: Family Budget or Wallet. This is where all the cash (Income) goes. If I have the opportunity to save money, for example, to a bank account, then I make a transfer from the Family budget account to a pre-created account. Accordingly, it looks like an expense on the Family budget account and as income on the Deposit account.

In the program "Home Bookkeeping" funds transfer operation is not displayed in the general list, but is registered in the Accounts -> Details section. It is worth mentioning that I was not able to edit this translation later. In other programs, usually, you click on the performed operation, after which you make all the necessary changes in it. In the “Home Bookkeeping” program, as I did not try, I could not change it. I had to do a reverse translation:

Go ahead. Data on expenses and income, in the program "Home Bookkeeping", it is convenient to make. There is no need to open the input window every time you enter the next payment. In addition, one can feel the desire of the developers to make the program accessible to ordinary people. There are really no accounting terms or names that are difficult to understand, all the functions of the Home Bookkeeping program are simple and understandable, and it is not difficult to deal with them.

Chapter Calculator, in the program "Home Bookkeeping", I was upset. There is a standard calculator and that's it. Many other similar programs have calculators that allow you to calculate the profitability of a deposit or the cost of a loan, although later I found a loan calculator in another section.

Chapter Reports I was not particularly surprised by anything. And again I was not satisfied with the imagination of the designers of the program "". Everything is too faded and the data is collected in a heap. Compare how the same report looks in “Home Bookkeeping” and “Ace Money”:

Maybe I'm so picky because I'm used to working with a different program.

As I wrote above, "" has many awards. That is why, I approached the study of this software very meticulously.

As a plus, I would like to note the ability to work in the program "Home Bookkeeping" by several users, with individual passwords.

As well as a well-thought-out backup function that can be configured so carefully that you can be sure that your data is 100 percent safe:

In addition, the developers were pleased with what they did version of "Home Bookkeeping" for PDA... In the event that you use a PDA, this is especially convenient, since it allows you to quickly enter data, and then easily synchronize them with the "Home Accounting" installed on a personal computer.

No less pleasant is that “Home Bookkeeping” is also available in the free version. Naturally, she has more modest data.

V " Home bookkeeping"The task of the section is not quite correctly defined Planning... He will undoubtedly help you navigate what income and expenses you will have in the near future. Moreover, the program has a useful reminder function, with the help of which “Home Bookkeeping” will notify you at the right time about a financial event. This, in fact, boils down to Planning in Home Bookkeeping- Schedule payments and remind about them. But, this is where its useful properties end.

The planning function in “Home Bookkeeping” does not allow you to do the main thing, namely, to track in real time how the actual expenses and income differ from the planned ones, both in numbers and in percentages. I see the main purpose of Planning in this. A month, financially, is quite a long time. We shop every day. And when you see that you are overfulfilling your spending plan, this should motivate you to cut your spending until the end of the remaining time.

Developer: Keepsoft

Price: 500 rubles, there is a free version.

Home Bookkeeping Program Review

Review of free online services for home finance accounting.

It makes no sense to say that we live with you in a very unstable time. I'd rather tell you how you can make ends meet in today's world :). To do this, you do not need so much, just learn how to properly spend your personal and / or family budget ...

You can start with what you write down every day, when, how much and for what needs you spent your money. At the end of a certain period (at the end of a week or month), calculate what was spent most of the money and see how you can reduce this amount next time. So gradually you will learn how to properly distribute your funds :).

However, home bookkeeping on paper is not very convenient and time consuming. Therefore, you can put all the basic calculations on a computer. Personally, I use the DomFin program for these purposes. It is somewhat old-fashioned in design, but nevertheless convenient and simple.

If you are a modern active person and rarely visit a computer, then in your case, various online services for keeping records of household finances will come in handy. Below I bring to your attention an overview of just such online accounting departments, which are completely free as of today.

FinoBox

The first service I'll introduce here is called FinoBox. Of all the services in this review, this one will probably be the most solid in terms of functionality (and design too).

To register for this service (and for all the others described below), you will only need to have a mailbox to which you will receive a confirmation link. After activating your account on FinoBox, you can:

• enter your income and expenses;
• create an unlimited number of accounts;
• observe the dynamics of the movement of their funds;
• plan a budget for an unlimited period of time;
• create various statements and reports.

As I said, FinoBox has a pretty strict design. Official terms and business vocabulary are used throughout. This service can be used not only for home bookkeeping, but also for accounting for funds in your business! And you can conduct both home and work accounting in it at the same time, since FinoBox allows you to work with several accounts in parallel.

After entering, we automatically go to the "Informers" page (the second item in the upper right navigation bar), which contains links to the most frequently used functions. We can independently switch between all functions using the system of tabs at the top.

Separately, it is worth mentioning the concept of applications. They are presented in a separate section - "Application Store" and allow you to significantly expand the basic functionality of the service. Most of the applications such as Charts, Charts, data import and export tools are free. However, for extensions intended for business reporting (income declarations, invoices, etc.), you will have to pay a little (usually around 200 rubles per function).

FinoBox does not have its own clients for mobile OS, but it has a mobile version of the service available from any mobile browser, so you can access your accounting from any phone (even without an OS) that has access to the Internet.

InEx Finance

The next service I want to introduce you to free home bookkeeping InEx Finance (or simply InEx).

In the design of this service, the stake is made on modern design and newfangled design chips: all kinds of sliders, smooth animation and other beauties are provided to the user. However, the project is not alone. An equally functional filling is hidden under the beautiful cover! With InEx you can:

• manage and track income / expenses;
• create several monetary resources (by default there are three of them: cash, card and bank account);
• create an unlimited number of categories of income and expenses;
• plan a budget;
• keep records of loan payments;
• keep a calendar of events;
• receive statements and build schedules for the movement of funds.

Unlike the previous service, InEx is "sharpened" for work as home bookkeeping, but quite advanced. So, for example, only this service allows you not only to keep track of your income / expenses / loans, but also to actually manage finances, integrating, if necessary, with your bank (the "Connect bank" button), through its official API.

Before starting to work with the service, it is advisable to go to "Settings" and make the initial configuration of your account. The main parameter that needs to be changed is currency (by default, US dollars). Everything else is at your discretion (there are quite a few settings) :)

You can manage the service using a fairly convenient start page, which contains all the functions in the form of buttons and links (they are also duplicated in the top menu bar). To the right of the block of buttons you will find the "Information" block, which displays quick reports on the parameters you have chosen, as well as a block with the current exchange rates of the National Bank (you can configure the displayed currencies and language yourself by clicking on the "Change" link).

In addition to all this, in the upper right corner there are several additional tools: Balance (opens a window with your current balance) and Calculator (a simple calculator).

InEx also has a mobile version, but in addition to this, the service also has a mobile application for Android OS. Therefore, being the owner of a modern smartphone or tablet, you can keep your accounting on the go, synchronizing it with the main online service!

Home Finance

If you, like me, are more a fan of desktop applications and a more familiar interface of ordinary Windows programs, then as a service for home bookkeeping, you can choose for yourself the Home Finance accounting system.

The features of this service include:

• keeping records of income and expenses;
• budget planning;
• system for achieving financial goals;
• keeping a calendar;
• differentiation of access rights to the account for other users;
• mobile client with the ability to synchronize data via SMS (only for Ukraine).

I want to warn you right away - the service is focused more on the residents of Ukraine, therefore, by default, it has the hryvnia as the main currency. And now, not entirely pleasant news: Home Finance in its free version has some limitations, the main of which is the limitation on the number of logins to the service (no more than 15 days) and the number of operations (no more than 50 per month) ... The problem can be partially solved in account of using mobile clients for Android, but not everyone has smartphones. The price of the service without restrictions is 50 kopecks per day, which is not very much, you must agree :)

The peculiarity and main advantage of this service is that in its design it resembles familiar programs for Windows. In the interface of the main screen, there is both a menu bar and a side menu that reflects sections of income and expenses, as well as a calendar. The main work area in the form of customizable widgets can display any information about the status of your wallets, etc.

The service allows you to keep records on several accounts, while it has a system for differentiating access to these accounts for several users. Also from the additional functions there is the ability to export data to Excel and a built-in calculator.

The function of a virtual piggy bank called "Financial goals" is worth a separate mention. Here we can set the amount of money we need (for example, to buy a new phone) and the period for which you plan to collect this amount. Now you will need to periodically set aside some of the money for the implementation of your plan and add the deferred amount to this section. With each replenishment of such a virtual piggy bank, you will be closer to your goal, which is indicated by an asterisk :).

The service does not have a mobile version, but for Android users there are two clients at once. The first of them implements direct access to the service and work with its account online. The second one allows you to work offline and synchronizes data with your account by sending SMS messages. This, alas, is also not free, but at the same time it is cheaper than 50 kopecks per day using a paid account :)

Econera

If you want to get a classic interface and almost everything the same as in the previous, partially free service, but free of charge, then you can try the Econera service.

In terms of its interface, it is also close to desktop applications and provides quite visual statistics of income and expenses. Among the features of the service are:

• accounting of income and expenses;
• support for multiple accounts;
• creation of an unlimited number of income / expense items;
• accounting of banking operations and debts;
• budget planning;
• analysis of the movement and distribution of funds;
• support for differentiation of account access rights.

As in programs for Windows, the service interface is divided into a side toolbar and the main workspace, where information of the currently selected section is displayed. On the start page in the main screen, we can see four grid tables displaying exchange rates, created accounts and statistics of income and expenses.

First of all, set up the currency with which you need to work and additional currencies whose rates you want to track. And then - everything is as usual: we add accounts, enter income and expenses.

I would like to note that Econera, despite the lack of mobile versions and clients for mobile OS, bribed me with its simplicity and clarity. I think that with this service everyone will be able to do home bookkeeping, from simple housewives to elderly people. You just need to be able to go online and press the necessary buttons :)

Where is my money?

Do not be alarmed reading the title to this section of the article :) I have not lost my money, this is just the name of the last service that we will get acquainted with in this review.

The concept of this, I would say, microservice can be expressed by the famous phrase: "Time is money!" The project developers decided that wasting time filling in a heap of income and expense items is a waste of time, therefore, they limited all accounting to only entering the money spent per day.

When you log into your account, we get at our disposal a calendar grid, into which we can enter the finances spent per day. The input format is simple: first we write what we bought, and then, separated by a space, the price without specifying the currency (just a number or a decimal fraction, if you need to take into account a penny).

As a result, we get in our grid a number indicating the amount of money spent, and when you hover over a cell with a number, a pop-up window with information about what was bought. All purchases are summed up and displayed as the amount spent per week and per month.

It would be a stretch to call such a financial accounting system a full-fledged one, but, nevertheless, it has the right to exist. Such accounting may appeal to young and very active people who are used to spending a lot of money, but not counting it :) By writing down all the expenses, you will see that you are spending too much and will be able to moderate your ardor in time;)

Service comparison

Let's summarize and create a summary table of the capabilities of all the services we've reviewed:

conclusions

As you can see, there are dozens of services on the Web for accounting of funds, designed for every taste, for any need and ... for any wallet thickness :) However, from the free you can find quite decent tools for almost any request.

Control your funds, be healthy and live rich;)

P.S. It is allowed to freely copy and cite this article, provided that an open active link to the source is indicated and the authorship of Ruslan Tertyshny is preserved.