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Money apps for the iPhone

The iPhone has become a useful piece of technology. There are all sorts of things you can do with it: from checking the news, ordering stuff online and even finding a date for Saturday night. Whilst money and budgeting may not sound as exciting as the other three – it can be a useful app to have alongside your Pinterest, Facebook and Tinder apps (hey, you never know when you may need to socialise on a budget!).
Despite being as exciting as cold mash potatoes with no gravy – it definitely is mind-boggling to novices too. So many apps but how many do what they say? The key is in choosing one that does what it needs to with ease and as little (or preferably, no) cost to you. So we did the legwork for you. Here are some money apps you can try for your iPhone.
Piggie is an app that lets you track your income and expenses on daily, weekly, monthly or yearly basis.
Keying in data is extremely easy, just click on the lightning symbol at the bottom of the screen and it will show 4 of the most commonly used categories (very much like iPhone shortcuts). These categories can be edited in Settings (to access Settings press the downward arrow on the top left and go into Settings > Categories > Manage Category Shortcuts) according to your spending habits. To create an entry in a different category simply press the notepad symbol on the bottom right corner and indicate whether it’s an income or expense.
One cool feature that this app has is the option to upload photos with your entries to help you track expenses easier. For instance, you could upload a photo of a receipt to help you remember where you made your purchase.
The interface for this app is intuitive and easy to pick up. The only issue we had was a lack of security features. Most budgeting apps have password enabled protection and individual user accounts while Piggie is ready to use off the bat. Take extra precaution on your mobile phone if you plan to keep sensitive information on this app.
R+ Rating: 8/10
Level: Beginner
Cost: Free

Expense Free
Like Piggie, this app allows you to record your expenses and income but with more detailed features. It even allows you to set a budget for all your expenses and record your bills. To start you will have to create an account.
There is a slight learning curve to using Expense Free. The app is not as intuitive as Piggie and a lot of times we had to key in the data manually, sometimes twice in different sections. And it doesn’t help that there is no tutorial. But once you’ve got it figured out you’ll find the app to be a powerful tool for budgeting with multiple presentation formats.
Our favourite feature is the calendar which allows you to set a reminder when you want to pay your bills. Expense Free is an ideal tool for those who love to micromanage their budgets if you can get over the clunky interface.
R+ Rating: 7/10
Level: Intermediate
Cost: Free

Debt Free
This app has only one simple function which is to manage all your debts; be it credit cards or mortgages. It features an in-built loan calculator which will tell you when your loan will be fully paid off. No more running back to your bank’s websites every time you feel like checking your mortgage!
The calculators will even help you visualise debt management if you decide to increase your monthly payments for example. Using the snowball feature it can help you estimate how early you will settle a loan if you plan to put in extra payments.
This app is available for free however you are only allowed to record up to two types of loans. To unlock more you will have to pay for the full version. Debt Free is a decent tool to manage your existing debt and extremely helpful when combined with other budgeting apps. Unfortunately, it’s not entirely cost free.
R+ Rating: 5/10
Level: Intermediate
Cost: Premium