Accounting for finances on a computer. The best programs for home accounting. Family Budget Lite

Roskoshestvo told how to manage your money

The Russian Quality System (Roskachestvo) published the results of a study of mobile applications in the “personal finance” category. During testing, experts assessed each service based on 70 indicators, completed hundreds of transactions, optimized their expenses and formed a family budget for the months ahead. Which application will not steal banking data and will help you save money for your vacation?

According to the National Agency for Financial Research (NAFI) for 2017, about 50% of Russians today do not have access to financial services and do not keep track of their income and expenses, and more than 73% of citizens do not have any savings. A significant part of the population makes decisions about managing their own money not on the basis of analysis or consultations with specialists, but on the advice of friends, acquaintances or at random. All this suggests that the majority of citizens in general do not understand financial instruments. However, mobile budgeting apps that are available to smartphone users are becoming increasingly popular. According to experts, on average, recording expenses will reduce costs by 5-30%, depending on the total volume.

To understand how modern financial accounting applications work, Roskachestvo conducted a comprehensive study on 70 quality indicators. The Roskachestvo laboratory selected 27 applications for Android and 28 for iOS. These are the most popular applications in the Russian segment of the Google Play and App Store stores, allowing you to take into account both expenses and income. The testing program included application functionality, data processing speed and storage, performance, and ease of use.

According to the results of the study, the best iOS apps outperformed the Android leaders in the final score. At the same time, applications for the latest operating system have greater functionality than their counterparts in iOS.

For example, the Spender app on Android allows you to create multiple accounts (wallets) by calculating the user's total balance, while this feature on iOS is limited to creating only one account. Also, this iOS application does not have a transaction planning function or manual currency conversion.

The Wallet application for iOS does not have the functions of accounting for debts and setting financial goals, while in a similar application on Android the account management unit is almost completely implemented. In addition, this application for iOS does not have the ability to maintain budgets—creating spending limits for specific categories or time periods.

Note that iOS applications, as expected, turned out to be more secure than Android applications. It's all about the closed nature of Apple's operating system, which makes it less vulnerable to hacker attacks and hacking than the open Android OS. This also applies to recognizing SMS from banks and displaying them in the application in the form of a completed transaction with a bank account: this process can only be automated in the Android operating system. In iOS, this function only works when manually copying a message (of course, only in those applications that have this function).

The study shows that, despite the large number of financial applications on the market, not all have the full package of capabilities. Experts analyzed each indicator and compiled a rating of applications. Based on the overall assessment, which was formed from the aggregate of points, the highest results were shown by: “Debit & Credit - Financial Accounting”, “Money Pro” and “MoneyWiz Premium - Financial Assistant” for iOS and “Wallet - Finance and Budget”, “MoneyWiz 2” Financial Assistant" and "Finance Monitor, Expense Accounting" for Android.

The last places in the rating of the studied applications were “Spender - Budget Control”, “Personal Finance EasyFinance.ru”, “Finance Book” and “Money Planner Pro - expense accounting, personal finance, family budget” for iOS, “Toshl Finance - budgets ", "Expense Journal" and "Personal Finance Family Budget" - for Android.

Looking for free home accounting software? Then you've come to the right place.

Maintaining home accounting is the success of maintaining wealth in the family.

You can control your income and expenses the old fashioned way, i.e. in a notebook, and using modern methods, by installing the appropriate software on a PC.

In particular, we will consider the 5 most convenient and widespread programs for these purposes.

1. HomeBank;
2. Family Budget Lite;
3. Family Accounting;
4. CashFly;
5. Home Accounting Lite.

HomeBank

A free application that allows you to keep track of your finances.

Using the software, you can fully control your income and expenses, plan your family budget, analyze expenses and more. Take complete control of your spending.

The program supports tight integration and import of data from Microsoft Money and Quicken services, as well as other applications for managing your own funds.

Supports QIF, QFX, CSV and OFX formats.

The functions include detection of duplicate transactions. This allows you to avoid confusion in calculations and clutter in the database.

Note! Transactions can be organized into categories. You can also schedule the automatic addition of incoming transactions to the created database, adding various tags and more. There is also a function that allows you to edit several fields at once, which significantly speeds up and simplifies the accounting process.

Set annual or monthly budget levels for each category as needed.

Generate dynamic reporting that reflects the current state of your financial situation. If necessary, they can be provided with diagrams for clarity.

Family Budget Lite

This program is designed to relieve your agony regarding counting personal expenses. All you need to do is enter your own income and expenses in the appropriate columns.

The program will perform all other operations independently.

The client benefits are as follows:

• profitability for several main categories and accounts is taken into account;
• you can account for your own debts, loans, investments, deposits and other calculations;
• you can use the auto-category function, i.e. when entering product names, the program will automatically select the required category from the table;
• detailed report of 8 parts in one click;
• export to HTML, BMP, TXT, Word and . It is also possible to print and save the document.

The client can be used by several people at the same time. In this case, everyone will have their own account and password.

The latter can be installed when the application starts.

Searching for income and expenses is very convenient, since it is possible to customize the results using several filters at once: product, date, category, etc.

Accounting Family

If you don't want to systematically wonder where your money is constantly going, use this program.

You don’t have to speculate and remember where the money went, which was put aside for so long for an important purchase, but at a critical moment it took it and evaporated in the literal sense of the word.

The program will allow you not only to analyze, but also to control revenue. You will also be able to plan your own expenses by thinking through your budget more carefully.

The client has enough options:

• accounting of income and expenses;
• accounting of debts (both borrowed and borrowed);
• analysis of financial transactions;
• Possibility of accounting in different currencies.

You are free to work in the program yourself, or give access to other users. Everyone will log in with their own credentials.

For security, archival copies of the databases are provided, which can be saved for later restoration from the archive or uploaded to Excel/.

CashFly

CashFly is a simple and very user-friendly program for recording personal financial transactions.

You can create multi-level structures displaying income and expense items.

It is also possible to build charts of varying degrees of complexity, based on previously entered data and other financial information important to you.

There is an address book, a list of organizations, and a personal diary that allows you to record reminders about events that are important to you.

The application is capable of keeping records in almost any given currency, performing scheduled calculation operations and printing data.

Databases are password protected for greater reliability and security of content.

Home Accounting Lite

This application is designed for financial accounting. You can systematize both personal and family expenses.

The program is also perfect for systematizing the profitability of small companies and enterprises.

The software is very easy to use and does not require any accounting knowledge from the end user. You have the opportunity to take into account income, expenses and other transactions.

The number of accounts is unlimited.

Note! You can make your entries in several currencies without being tied to any specific unit of account. If several people use the application at the same time, entries are entered independently, since they are logged in under different accounts.

The program interface is in Russian. It is intuitive even for beginners. It is possible to adjust the interface to the needs of a specific user.

A special help system is provided to resolve questions.

As you can see, home accounting is possible not only on paper.

Now, in order to store several records and not get confused in the calculations, you just need to install one of the applications, create your account and start making calculations, systematizing the total profitability and other financial transactions.

This is much more convenient than spending many hours calculating expenses on a calculator and then filling out tables.

And it is much more difficult to make mistakes in calculations, since the system will warn about possible duplicate data.

The best program for home accounting. Review of home accounting

Top 5 free home accounting programs for every day

It is often difficult to monitor the flow of money within a family. You should always calculate how much to set aside for renting an apartment, for example, or for paying utility bills. What part of the budget should be allocated for food, for new clothes, or how much can be set aside for gifts for friends, without subsequent financial difficulties.

It is necessary to control the family budget due to variable earnings and expenses. After all, psychologists say that because of money issues, family relationships often deteriorate greatly and all idylls collapse.

For less hassle with a variety of papers and notebooks, you can purchase or download for free any program for maintaining a family budget. Wherein

• you will be able to completely control your family’s wallet, and you will not have financial difficulties due to incorrect calculation of the necessary funds;
• you will have before your eyes all the sources of budget replenishment: salaries, bonuses, gifts, etc.;
• it will be possible to more thoughtfully control expenses from your home bank;
• financial software can help you save a lot.

And then the question becomes which program is better. Let's consider several options at once.

Which program to choose?

« Home accounting" This accounting program is distinguished by its simplicity and the presence of the most necessary functions, such as: accounting for profit and loss, debts, payment planning, control over accounts and even exchange rates. Using this program, you can forget about the financial headache, however, this method of budgeting is paid - 500 rubles.

« Money Tracker" In fact, the program is quite well thought out for accounting, it is convenient to use, but you will have to get used to it a little. Most people note multifunctionality as a minus, because without studying the utility, many things may seem simply useless and interfere with the direct accounting process.

But there is a small trick to this program. You will have the opportunity to control price changes in stores and forecast your budget for several months or a year. The utility can evaluate how much you spend; if the green indicator is on, it means that your family treasure is in perfect order and you are managing your finances correctly.

Yellow means that in some places it is worth reducing the level of spending. Red warns that in this way you can waste all your money recklessly.

« Family 10"is a program that will immediately set you up for a friendly attitude. The main advantage is the simplicity and clarity of wallet management. There are no abstruse terms or incomprehensible functions here. Everything is shown and written in accessible human language. You will have the opportunity to keep track of absolutely any item in the house.

You will be able to record and then play back information about its price, place of purchase, warranty period and anything else that interests you. You'll be allowed to budget for free for the first 30 days, but will then be required to pay between $10 and $20.

« AceMoney" So, let’s immediately note that this utility for monitoring income and expenses will cost you 500 rubles (there is also a free version, but only one account is available, which is inconvenient). The only negative is that there is no separation of expenses and income, but there is one single operation - a transaction. Now let's look at the advantages:

• thanks to AceMoney, it will be possible to account for shares and securities. For this purpose, it has a corresponding section “Promotions”;
• There are already template categories into which you can distribute your expenses. For example, payment for cable, electricity, food, etc. You don't have to create them yourself;
• You can manage not only your family accounts, but also monitor your bank accounts. You can see which account is in which bank, at what interest rates, and so on.

« DomFin"is a program that has a primitive interface with clearly defined and specific functions for successfully managing a shared wallet. The utility is absolutely free. It clearly explains where to write down the list of income and in which column to count the minus. The utility is intuitive to use and will not make you think long about the mechanism of action.

Conclusion

E If you want to benefit from specialized software and income control, you must clearly understand what you want to achieve in the end. If any points in saving and planning are unclear to you, then it is better to clarify them immediately - this will yield sweet fruit.

As a conclusion, we can say that the program should be selected based on family characteristics, because some simply do not need to account for shares and securities. Choose the accounting method that will be as clear and accessible to you as possible.

Many users find it difficult to control their home budget. To ease the situation, it is recommended to use specialized software. Thanks to a specialized program, you can control not only your income, but also your expenses. The functionality of the program allows you to list the costs even for maintaining a vehicle or paying off a loan.

Most applications are created taking into account the fact that the user is unfamiliar with accounting activities. For effective analysis, the programs are able to build graphs and diagrams. All that remains is to choose the appropriate application.

Review of the best programs

To plan a family budget, you need an appropriate program. In fact, on the global network you can find a dozen applications that can plan income and expenses. The best programs include:

• "Greedy";
• Home accounting;
• Home Economics;

Each of the above programs for maintaining a family budget differs from each other in functionality. Therefore, before using any program, it is recommended to analyze the functionality and also compare the programs you like.

This is a multifunctional program for the family budget. The application is able to work with accounts, clients and articles. If desired, the program can be used by individual entrepreneurs. Users who decide to use the application to plan a family budget do not have to worry, since it is not necessary to be an accountant to understand the program.

The main features include:

• Possibility of multi-currency organization of financial flows;
• Group data processing;
• Construction of diagrams showing the dynamics of funds;
• Ability to export the report to Excel;
• Composite payment support;
• Data backup;
• Possibility of printing a promissory note;
• Update exchange rates via the Internet;
• Customizing the appearance of the program.

Unfortunately, at first it will be difficult for the user to understand the program for accounting funds. This is due to the busy and poorly thought out interface. In appearance, the application can be compared to programs written in the 90s. Of course, after careful study, anyone can handle Home Finance, but it takes time.

Family accounting can be accounted for using the AceMoney program. The application has an intuitive interface, which means it won’t take much time to learn the functionality. IceMoney allows you to create bank and cash accounts. This way, all income and expenses can be taken into account. In addition, it is possible to transfer money from one account to another.

The only thing that may be difficult is the terminology used in the program. Otherwise, the fund accounting program has no drawbacks.

The main functionality can be identified:

• Budget planning using articles;
• Ability to manage multiple accounts;
• Setting a password for the program;
• Backup;
• Visualization of expenses using graphs;
• Ability to export data.

With such a program, the family's accounting will always be analyzed. In addition, you can generate a report for any past month.

A program with a simple interface without frills. Compared to other programs, there is such a drawback as unlabeled buttons. Sometimes it can be difficult to understand what they are for. In this case, the application can be configured so that when you hover over the button, an inscription appears, but only in the footer of the program.

As for adding income and expenses, everything is clear here. It is possible to categorize amounts. In order to keep track of the family budget more accurately, you need to take advantage of the opportunity to add information to a section such as “Debts”.

Such software has the following functionality:

• Accounting for the entire family budget;
• Possibility of accounting for a loan from a bank;
• Accounting for debtors;
• Work with an unlimited number of accounts;
• Possibility of gradual debt repayment;
• Generating reports in the form of text and diagrams;
• Creating a backup copy of the database;
• Setting a password for the program.

It should be noted that “family accounting” can be used free of charge if the total income does not exceed 8,000 rubles.

If you want your family’s accounting to always be in order, it is recommended to pay attention to a program such as “Home Accounting”. The application occupies a leading position among software designed for calculating profits and costs.

Family accounting is divided into the following tabs:

• Accounts;
• Expenses;
• Planning;
• Debts;
• Income.

Such a division may not be entirely convenient. Competitors display expenses and income in one tab. This way you can understand how effective budget planning will be.

Main functionality:

• Creating multiple accounts;
• Credit accounting;
• Possibility of partial repayment of debts;
• Loan repayment reminder;
• Budget planner;
• Filter for quick search;
• Report generation and visualization;
• Possibility of database compression;
• Automatic update.

The family's accounting will always be calculated; all that remains is to download the program from the official website.

The application is designed for quick budget accounting. The program occupies a leading position in its software niche. The functionality of the program is quite diverse. As for the interface, it is simple, but you will have to tinker with some features. This is due to the fact that not all functionality is available on the control panel. For example, account-to-account transfers are located in the Finance menu, although expenses and income can be found directly in the control panel.

It should be noted that you can only download the demo version for free. This is enough to get acquainted. Perhaps the functions that are available in the free version will be enough for someone. It should be noted that you can edit existing income and expense items.

The main advantages of the program include:

• Ability to create an unlimited number of accounts;
• Planning your budget;
• Availability of a debt module;
• Creation of 10 types of reports;
• Availability of reference information;
• Export data to Excel;
• Create a backup copy.

Thanks to in-depth analysis, you can understand what is worth spending more money on and what is better to refuse. It is recommended to download the program from the official website.

A multifunctional program that allows you to protect your budget from unnecessary waste. The program is designed in the style of Microsoft Office. All sections are signed and also equipped with icons. To plan an event, you need to use an organizer.

Program functionality:

• Financial event planning;
• Maintaining records in multiple accounts;
• Calculation of profitable deposits taking into account inflation;
• Ability to view the latest financial news;
• Drawing up reports.

The program fully copes with the task. The only thing worth remembering is that the program is not free, although it can be downloaded without registering on the site.

The program combines ease of use and versatility. Even a novice user can handle the controls. You can customize the categories of expenses and income. Transferring funds between your accounts is not very convenient, but you can get used to it.

Compared to other similar programs, developers devote little time to their product, so updates are released extremely rarely. It is worth noting that the program is paid, but most of the functions are available in the demo version. There is a ban on planning.

The functionality is quite diverse, but we can highlight:

• High performance, thanks to which calculations and plotting are carried out in a matter of seconds;
• Possibility of database backup;
• Working with deposits and loans;
• Export to any convenient format;
• Search by specified criteria.

In general, the program can compete with analogues, and the license is only 250 rubles.

Video review of programs for maintaining a family budget

Greetings to everyone who continues to get acquainted with the world of investments and all its components! Financial well-being depends not only on how much a person earns, but also on how he manages his money. How to choose the best financial accounting application to conveniently monitor the movement of your money? I will tell you and show you in this article.

Programs for PC (desktop computer)

Family

Can easily be called the best option among budget monitoring programs individual user or group of people. The application provides loans and deposits. Registered categories, which take into account the user’s property.

Exists synchronization computer version with an application on the phone. However, the connection between two programs on different computers has not been thought out. This feature can be an inconvenience if you consider Family as an option with a multiplayer mode. The developers of the project made it so that You won't be able to switch to another product without losing data. The system for exporting and importing information is not well thought out. Therefore, when starting to work, you will have to record income, expenses, etc.

Installing the full version on your computer will cost 14,95-29,95$ . The mobile phone application will cost the user $4.95. The convenient thing is that you can download the program and use it free trial for a month. Download link: http://www.sanuel.com/ru/family/download.html .

Keepsoft.ru (home accounting)

Designed to monitor financial condition all family. In this case, a password can be set for each individual user’s record. The rules for creating and maintaining a list of sources of personal income are described in detail in the instructions, so all family members can understand them.
A function synchronization between computers and smartphones will allow you to simultaneously work with keepsoft.ru on different devices. For the convenience of analyzing the family budget, there are visual graphs and charts.

You can record your sources of personal income and financial transactions immediately in several currencies, if necessary. There is monitoring of loans and money that you have borrowed or borrowed. There is a timely reminder system for this category of funds. The application allows you to import and export information.

Mobile applications

CoinKeeper

Very convenient for working with the touchscreen. For example, Money transfers are carried out by dragging and dropping coin icons of different accounts. This system allows you to quickly complete a transaction. Difficulties can only arise if you have a lot of accounts.

The program can be used by several people who form joint budget, since it exists cloud data synchronization system. In CoinKeeper you can select one or more currencies. Categories of debts and loans are specified for which reminders are provided.

The cost of such a program is approximately 265 rubles per year. The application is suitable for Android and iOS devices, and you can download it here: https://coinkeeper.me/ .

EasyFinance

Pleasantly surprises the user already upon registration. At the beginning of your work, you can set up individual categories, taking into account which you will periodically be offered recommendations on income distribution. If you start spending too much, a special indicator will let you know..

There is a function in the program financial cushion. When registering, you create a goal for yourself to accumulate a reserve for six months of living in conditions if you do not have a stable income. A financial cushion is a cash reserve that will help you in unforeseen life circumstances. With the help of the planning wizard, you can see at the beginning of the month how much money you need to allocate to pay debts, loans, mandatory expenses, and how much you can spend at your own discretion. Automatic synchronization with Google calendar will help you avoid fines and penalties for late payments.

It is worth noting that EasyFinance supports multi-user mode of operation. For example, it is much more convenient to keep track of the expenses of family members if you group lists of expenses by user. The advantage is that you can set up automatic synchronization with bank accounts. Besides, Favorite accounts and lists of systematically recurring transactions are saved.

EasyFinance, a program for creating a complete personal financial plan, is available for installation on phones with iOS and Android. You can download the application from the link: http://easyfinance.ru/#apps .

BUDGET

This is a system that is better than others disciplines the user and teaches them to use their funds rationally. The special feature of the application is that it calculates the amount that can be spent daily.
You indicate your monthly income and planned expense items, and the amount of funds for each day is automatically calculated. If you have spent more money, a recalculation occurs immediately and the daily rate decreases. All this is very convenient to follow.

In order not to spend too much, you can enter a maximum amount of expenses, which you do not want to exceed. When your monthly expenses approach this mark, you will receive a corresponding message, and this will mean that it is time to start saving. Unfortunately, there is no function that allows you to set payroll dates.

Feature BUDGET is the presence of the mode " Journey" When you travel to another country and pay in a currency other than your usual one, tracking expenses becomes a little more difficult. “Travel” allows you to temporarily enter a conversion rate and record your costs in the currency of the country where you are located. The information will automatically adapt to the main currency system.

By using BUDGET Personal finance accounting is done in the program for free. The application sends reminders. Reporting on the user's financial status is presented in the form charts and graphs.

BUDGET– the best program for accounting funds in the iOS system. If you decide to download it, then use the link: http://www.dailybudget.de/

Toshl

Distinguished by its bright and attractive interface, an interesting system for working with the user. The program will help you design, instructions for drawing up which will be given with the help of a funny character. It is the cute three-eyed alien who will tell you the state of your monthly budget.

Expense categories must be configured manually by entering tags. The fields must be filled out at the same time. accustoms you to some systematic work with Toshl. Another advantage is that information export is supported. Some additional functions are unlocked only after paying for them, which, of course, is not very pleasant. The personal finance accounting application is available for smartphones with iOS, Android, and Windows Phone. You can download Toshl from this link: https://toshl.com/ru/ .

Other programs

In the review, I presented the most common and convenient programs. In addition to the listed options, there are quite a lot of them: savecash.me, Moneytracker, AceMoney, Your Money, Personal Finances, Cash Organizer, Zen Money and many others.

Conclusion

In this article, I made a selection of popular paid and free programs for personal finance accounting. They all work approximately according to the same scheme, but still each has its own distinctive features. To understand which financial control system is right for you, you need test several such programs. Write in the comments what applications you use and why. Goodbye!

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