Table of Contents
- Wisecash: for those who want simplicity
- GuiaBolso: integration with banks and cards
- Mobills: budget and investment control
- Organize Spending: Subscription Management and Goal Reach
- Spendee: an intuitive option
According to a survey by SPC Spain (Credit Protection Service), carried out in February this year, 4 out of 10 Spaniards were negative. According to the survey, this number is equivalent to more than 60 million adults. There are several reasons that explain this indebtedness: the main one, according to experts, is the lack of financial education, which consequently leads to a lack of financial planning.
Despite this, in recent years, a number of technology initiatives are emerging as a way to help people regain control of their money. An example of this is finance apps, which are already used by millions of people around the world.
Therefore, knowing the difficulty that many people still have in deciding which program best meets their needs, the Techlifers investigated and separated a list of the 5 best finance apps that can help you get your bank account out of the red.
Wisecash: for those who want simplicity
One of the simplest on the list, the Wisecash is the finance application for those who don't need many features or for those who are afraid or have difficulty registering their information on their cell phone.
With it, which is completely free, users can manually enter each expense and have access to a graph with a summary of their financial life, called “where does my money go?”.
Some functions can also be automated and, in this case, the app itself takes care of making the releases each month, as is the case with fixed accounts.
The differential of the Wisecash is that it maps earnings and expenditures allowing users to review and set their priorities.
Access: Android | PRAÇA
GuiaBolso: integration with banks and cards
O Pocket Guide is one of the top rated finance apps in the Apple and Google stores. It stands out for being able to be integrated with banks and for having a simple but complete interface.
The app supports dozens of banks and credit cards and, when integrating, from the smartphone itself, the app exports all the transactions carried out and generates a graph showing the categories in which you have spent the most money.
It is also possible to enter more than one account and the app offers complete data security, ensuring that all information is encrypted. Another highlight is the tips tool, which sends personalized notifications according to the user's profile and lifestyle.
O Pocket Guide It also offers financial services, such as loans, investments and insurance, all compatible with the user's needs and in compliance with credit protection services.
For those who do not have control over bill payments, the app integrates with the phone's calendar, where the user registers a slip and, before the due date, the app notifies about the date, in an attempt to reduce expenses with interest due to delays. .
Access: iOS | Android | PRAÇA
Mobills: budget and investment control
The app Mobills became famous through social networks and is now among the most downloaded in stores. It promises to give users back control of their spending and ensure the organization of their financial life.
This app has dozens of features, all focused on one type of need. With it, it is possible to store tax coupons, control the investments of the most diverse funds, in addition to monitoring credit card consumption.
Supported by the LGPD, the new data protection law, the Mobilis also ensures the security of all personal, banking and financial information. It also has an intuitive layout with night mode included.
Its differential is its loyalty program, in which users earn points with each use and, later, can transfer to frequent flyer programs, such as multiplus. Another advantage of the program is the possibility of exchanging for financial education books, gift cards and even category upgrades, all within the application itself.
It is available in free and paid versions, which differ in the amount of data imports allowed. In the premium plan, users pay R$99 per year (or R$19 per month) and have unlimited access to all features.
Access: iOS | Android | PRAÇA
Organize Spending: Subscription Management and Goal Reach
Paying multiple subscription services is already normal for most people, who can lose control of these monthly fees. To help you manage these payments, the best app is Organize Expenses. This is because it has an exclusive tab for this management, where you can see how much you spend on these services.
As it also appears on the list of the best finance apps, it is already used by more than 2 million Spaniards, according to the developer. The reason for this, perhaps, is the “dreams” functionality, which allows users to define a value to be reached for a certain goal.
It also has a function that limits consumption by category and notifies the user whenever a set value is reached. And, just like the previous app, the Organize Expenses works with free and paid plans, which differ in the number of cards that can be registered on the platform.
Access: iOS | Android | PRAÇA
Spendee: an intuitive option
One of the most visually charming finance apps, Spendee promises to give you a real look at your financial life. It works like the previous ones, but it has a stronger visual appeal, which makes it attractive and effective in managing information.
Despite being in English, this does not interfere with anything, as this app has many images, which can guide the user during navigation. It also interfaces with other software, allowing data export to Google and Excel spreadsheets.
The only difference between the free and paid versions is the presence of advertisements during use. If the user prefers, just make a monthly payment so that the ads do not appear in the app.
Access: iOS | Android | PRAÇA
What did you think of our nominations? If you know of other apps that help with this task, please leave a comment below.
