It is not difficult to keep track of personal income and expenses, but the family budget is already a different level. You can compare it with the full-fledged accounting of this company, especially if there are a lot of households and there are enough loans. Here it is necessary to take into account not only the income and expenditure of funds, but also the interests of each family member.
As in the case of organizations, for such purposes there is a special software for planning your home budget. On the Internet, you can find a lot of utilities of such a plan, but not everyone adequately copes with the tasks. Therefore, the choice of programs for maintaining a family budget must be approached with all seriousness. Moreover, most sensible applications come with a paid distribution license, and it is too expensive to make mistakes.
So, we bring to your attention a list of the best programs for maintaining a family budget, which includes the most effective representatives of this segment with a lot of positive feedback from users. All the products described below can be downloaded on the mobile content aggregators: Google Play, App Store or Microsoft Store.
"Crap"
This program is one of the most popular complexes for maintaining a family budget. Home accounting "Drebedengi" is distinguished by its simplicity and lack of entry threshold. So it can be mastered by a person who has not even come close to an accountant.
To conduct home analytics, it is enough to enter the income and expenses of the family in special fields, and the budget will be calculated automatically. The application simplifies accounting nuances as much as possible, and at the same time provides up-to-date information on financial condition.
Among the obvious advantages of the program for maintaining a family budget, the following points can be identified:
- quick processing of operations and a visual display of current balances for certain groups;
- photographing receipts and other consumables;
- recognition of bank SMS with subsequent entry into the system;
- several types of currencies and a well-thought-out system for handling them;
- support for multi-user mode;
- accounting of debtors and creditors;
- making shopping lists;
- export and import to / from third-party systems;
- data protection with both a password and a pin code.
Distribution Terms
You can use the free family budget program for the first ten days. Then you have to buy a license. An annual subscription will cost about 600 rubles. The application is multi-platform and has proved to be excellent both on Android devices with iPhones and on the Windows operating system.
Zen Mani
This application also does not require the user to have any specific knowledge or skills. The program for maintaining the family budget allows you to control all expenses without unnecessary efforts, largely due to competent synchronization with banks and their online clients. So most items do not have to be entered manually.
The application is popular among domestic users and has a lot of positive reviews. The program interface for maintaining a family budget can be called friendly, convenient and cute. On competently arranged categories and branches of the menu you do not have to get lost. The main toolkit is on the main screen of each section.
Advantages of Zen Mani:
- the ability to connect SMS from banks;
- control of expenses on current loans and cards (reminders, interest recount, etc.);
- quick entry of initial data and synchronization with banks;
- family budget planning (large purchases, a child, loans, etc.);
- accounting of creditors / debtors;
- visual analytics with a high-quality visual component (graphs, charts).
Distribution Terms
The product is distributed free of charge, but comes with greatly reduced functionality: lack of synchronization with banks, planning, etc. So it can be called a regular demo version. The most popular tools come in premium versions. For the past, you will need to pay from 150 to 1500 rubles, depending on the requirements for conducting family accounting. Judging by the reviews, most users have enough version of medium "severity" for 700 rubles.
The product is multi-platform and has proved to be excellent both on devices running the Android OS and on iPhones with iPads.
Coinkeeper
This program also has a large number of downloads and a lot of flattering reviews from users. To manage the application, it is not necessary to have any specific accounting skills and knowledge.
The program interface, according to users, is simple and intuitive. The main tools are competently categorized and open on the first click without any initial settings. True, not everyone went to the color scheme of the application, but most did not even pay attention to it.
Program Benefits:
- synchronization with bank SMS;
- planning for serious expenses;
- support for all popular currencies with adaptation to one selected;
- quick addition of expenses and income;
- budget constraint (for month, week, day);
- multi-user mode;
- accounting of debtors / creditors;
- reliable data protection against hacking using encryption.
Distribution Terms
The product is distributed free of charge, but with severe functional limitations. A wider selection of tools is provided through premium subscriptions. The cost of the latter ranges from 150 to 900 rubles.
The program proved to be excellent on Apple devices and devices with the Android operating system. The developer recently introduced a version for Windows Mobile, but judging by user reviews, it is still raw and full of bugs with flaws.
YNAB (You Need A Budget)
This application works with only one type of currency and does not have Russification, but these shortcomings are covered by the existing advantages. In addition, there are amateur localizations on thematic forums on the Internet. There are a lot of questions to the latter, but nevertheless you can use YNAB in Russian.
The program is a complete system for managing the family budget. Moreover, financial planning occurs both in the short and long term. In addition, the application takes into account overspending, underexpenditure and works correctly with debtors and creditors.
Judging by user reviews, the utility interface cannot be called complicated or confusing. All tools are located in intuitive places, as a rule, you do not have to look for some functionality. In addition, the program has not only an extensive help system, but also a lot of video tutorials. The latter can be found on the same "YouTube".
Application Benefits:
- synchronization with bank SMS;
- shows unallocated funds;
- advanced work with debtors / creditors;
- on time and in the right place signals the cost overruns;
- intuitive interface;
- an abundance of reference and training materials;
- nice looking design;
- responsive support.
Distribution Terms
To familiarize yourself with the product, a very limited demo version is provided for functionality. Really useful tools are blocked there, so it will not work for serious work. The version in the maximum modification will cost almost 6,000 rubles, but you can limit yourself to an average or simplified version for 500 or 1000 rubles.
The program is multi-platform and has proved to be excellent both on the Android and iOS operating systems, and on the desktop Windows and Mac. Users do not report any lags, shortcomings or other serious problems with the application in their reviews.
Toshl
The program supports about 200 currency units, including the now fashionable crypto. Use it to track your credit cards, bank accounts and cash. It is also worth noting the presence of competent Russian-speaking localization.
The application interface appealed to many users. All the main tools are on the main screen and are available at the first click. The sensible help system was also pleased, where all the nuances of working with the program are described in detail. It can be seen that the developer spent a lot of time and energy on it.
In addition, for conservatives and other meticulous users, the opportunity to compile detailed reports in various formats has been implemented: Excel, PDF, Google Documents and others. With this approach, not a single ruble will pass by your bookkeeping.
Program Benefits:
- SMS support from almost all Russian banks;
- quick and easy manual entry;
- thoughtful hint calculator;
- 200 types of currencies;
- entering advanced data for each position (location, photo, notifications, etc.);
- photographing checks;
- Import and export data in popular formats (CSV, Excel, QIF, QFX, OFX);
- visual graphs and charts;
- work on several devices at the same time;
- intuitive interface with an abundance of reference materials.
Distribution Terms
The product is free, but with some restrictions. The free version allows you to maintain only 2 financial accounts without photos. There are also some reporting restrictions: pages, volumes, attachments. The professional version will cost 200 rubles per month or 1350 per year.
The application is multi-platform and perfectly adapted for three main operating systems: Android, iOS and Windows Mobile.