How to calculate your monthly budget calculator. Personal financial manager

Looking for the perfect one programs for maintaining family budget I've looked through a lot of different software.

Today I want to summarize my search by conducting short review found programs and services. I hope the information I collected will help you navigate and make your choice.

1. Home accounting is a simple and understandable program even for a child. There is everything necessary functions- accounting for income, expenses, debts, planning payments, generating reports on the quantity and cost of expenses, currency exchange (and exchange rates are taken directly from the Internet), the ability to control several accounts (for example, change in a wallet, dollars in bank account, salary on the card and euros in the safe)) Of the minuses- alas, it’s paid (500 rubles) and has a rather primitive interface. However, I would like to point out a big plus - the convenient implementation of transferring funds from one account to another. I have tried many programs, and this function, I tell you, is not available everywhere. Most often, in order to transfer money from a card to a wallet, you had to make an expense on the card, then make a receipt on the wallet. In “Home Accounting” this is done with one easy mouse movement.
2. MoneyTracker - Home accounting - convenient and thoughtful family budgeting program. Of the minuses I can note, again, that there is a fee and some.. ahem.. difficulty in perception. An unimaginable number of pop-up windows, the need to enter some data - why, why, you won’t understand the first time. Some useful features may remain unnoticed precisely for this reason - by the time you figure it out, you’ll spit and go write down your pies and powders the old fashioned way in a notebook. However, in contrast to the minuses, I personally really liked it provided opportunity track price changes across stores, as well as create budgets - for the year, month. In addition, a wonderful idea is to highlight different colors overspending. Green - everything is fine, yellow - you should slow down spending, red - you are already over the line.
3. Home Finance - comes in two versions. The “home”, free version is a simplified version of the “pro” version, suitable for running a small business. Having adapted the program to the needs of housewives, for some reason the developers did not bother to change the names of some articles. For example, I fell into a stupor for a long time, trying to figure out who the “clients” were (later it turned out that they were none other than the husband, wife, children - that is, those comrades on whom the money was spent). In addition, I would not call the interface friendly, much less intuitive. On the plus side, it is worth noting a fairly large selection of ready-made categories of income and expenses (for example, in the subcategory “main place of work” there are four items - salary, advance payment, quarterly bonus and year-end bonus)
4. Family 10 is a very friendly program. Even when you first start it, you are not simply asked to enter a name account, and the sympathetic question is “what’s your name?” The program is quite easy to use; when you go to each section, a window opens with detailed instructions written in real human language. A mega-useful feature for drawing up and planning a budget has been implemented, as well as the ability to keep lists not only of your expenses, but also of all the property in your home. The latter can be very useful - after all, you will have a record of when, where and for how much this or that item was purchased, and until what date the warranty period is valid. Separately, I would like to note quite original way reporting: you can ask the program the question “how much money do I spend on underwear?” - and have no doubt, she will answer you! The program is shareware. After the 30-day trial, you will be offered to buy license key. The issue price is from 10 to 20 $. I think the price is quite reasonable for such a nice program.
5. “AceMoney” is a paid (500 rubles) program ( Free version available, but the limitation is that you will only be able to work with one account), suitable for both home use, and for assistance in financial transactions. It has a “Shares” category, which you can use to record securities - which ones are purchased and at what price, how many dividends they bring. You can even find out how much money you will get if you suddenly decide to sell them. The program provides ready-made expense categories - “electricity”, “telephone”, “cable TV”. The work with accounts is very well thought out - you can not only indicate when and for what amount the account was opened, but also select the name of the bank from the drop-down list. Which, you see, is convenient if you have many accounts in different banks. In my opinion, it’s not very convenient that there are no different sections for income and expenses. Any monetary transaction is called a “transaction” and is entered into the same form.
6. "DomFin" is a simple, free program not burdened with unnecessary functionality. There are no accounting terms; the accounts are briefly and succinctly called “Money Vaults”. A convenient feature is to display the amount remaining on each account at the bottom of the program window. Thanks to this, after taking a quick glance, you will already know how much money you can spend.
7. "MyMoney" is another one simple program for maintaining the family budget. Nice interface, reminiscent of a website, convenient navigation, constantly popping up tips. The disadvantages are that the functionality is more than modest, there is no division into categories - you will have to be content with only general sections - “Food”, “Entertainment”, “Payments”.
8. Greedy is one of the popular programs for maintaining the family budget. What I liked was the ability to track debts (to whom, when, for how much), loans (it’s convenient to keep track of the payment schedule, especially if there are several loans). Categories can be easily added, deleted, changed. I didn’t like the paucity of reports, the boring interface, and the fact that income and expenses are displayed on different tabs - you have to constantly jump back and forth. The program costs 380 rubles.
9. “Home Economics” - the program has a nice “Word” design, there are video tutorials. It is possible to create separate accounts for bank deposits, mutual funds, etc. There are several calculators - savings, foreign exchange, credit, and even for calculating electricity. There is a built-in organizer - although for some reason without a notification function. Knows how to plan a budget. Of the minuses, I was struck by the difficulty of editing categories and the inconvenient display of income and expenses (sorted by date and to view them you need to open separate tab). The full version of the program costs 590 rubles.
10. “Family Budget” is a simple (sometimes even too simple) program. Nice interface and clear terms. It is quite functional - it is possible to maintain a budget for several users, different accounts, and there is an accounting of loans and deposits. Creates fairly convenient and detailed reports based on various criteria. The downside is that the program only works with one currency; if you receive your salary in euros, you will have to convert them yourself. Inconvenient data entry - only subcategories are shown, you have to click a lot to get to the desired category. The program window size is quite small, and there is no way to change it. For me personally, this is extremely inconvenient. But in general, for a quite modest price (250 rubles) the program is quite worthy.

And a few more untested by me, paid, but not too expensive programs:

1. My money is 370 rubles, simple, but flexible program for maintaining home accounting. By at least, so say the developers.
2. Accounting for income and expenses - suitable for both home accounting and small businesses. Accounts for funds in different wallets and allows you to keep track of debts. 1300 rubles.

Programs for maintaining, accounting and planning a family budget, are reliable assistants for effective management family budget. Why? Because they allow you to automate many processes, which greatly simplifies the process of maintaining home finance.

Besides this, this software has mass auxiliary functions, which allow us to identify weak and strengths your relationship with money, will open your eyes to seemingly obvious things, but for some reason not used in everyday life. Programs for maintaining a family budget greatly facilitate and help create a holistic picture of our relationship with finances.

Purpose of the review

• Determine from the variety of specialized software the best price-quality ratio;
• Select the most optimal and easy-to-use program for maintaining a family budget;
• Determine the main characteristics of the proposed programs for maintaining a family budget;
• Identify the simplest and most understandable solutions for beginners, as well as select more serious and complex products for advanced users;
• Determine the degree of convenience in working with each program;
• Select the most pleasant design and management software;

Evaluation criteria

I will evaluate all programs for managing a family budget according to five main criteria:

• Simple and clear interface;
• Ease of use;
• Functionality;
• Family budget planning;
• Reports and analysis.

Why exactly according to these criteria? Because these are the cornerstones of any special software for accounting and planning of the family budget. Many programs today have much more complex capabilities. But they are needed only if the utility satisfies the criteria listed above.

If the product is difficult to learn or difficult to use daily work, then the user will not need all the bells and whistles that the developers have stuffed into their product.

What programs for managing a family budget will be reviewed?

Today, these are one of the most popular programs for maintaining a family budget on a computer. I do not take into account online services for keeping track of personal finances online. In the future, I plan to regularly monitor new products and add reviews of them to my blog.

What the review will look like

I decided not to general overview for all the program, since it will turn out to be too large and inconvenient for perception. Therefore, a separate report will be prepared for each program, with screenshots. In the blog, I will create a special section, which will be called “Software”. IN this section, you can see the list of reviewed programs. There will also be a link to detailed review for each product and the cost is indicated.

The final stage, there will be a publication of a brief report on all programs, and a table with assessments of the main parameters of the program will also be posted. There will also be an overall score below, based on which you can understand which product, in my opinion, deserves the highest ratings.

On the Russian-language Internet? Because we love to save. And we want you to save too!

Therefore, we made an objective and honest review the most convenient applications for a smartphone to manage your home budget. Let's go!

AndroMoney

• Developer: AndroMoney
• Price: Free – Google Play

A distinctive feature of the application is the option to set a budget for a day, month, year, or even a separate budget for a selected time category.

The AndroMoney application can create backup copies of your budgets, while saving them to a memory card, or cloud storage. Also, if desired, the report is converted into CVS format and you can continue working with it on your personal computer.

The advantages of this program include:

• Intuitive and clear interface;
• Flexible functionality and a lot of settings;
• Option to create backups;
• Converting to CVS format for working with information on a PC;
• User-data password protection

According to user reviews, no obvious disadvantages were found.

Expense Manager

• Group: financial instruments
• Developer: Bishinews
• Price: Free – Google Play
• Pro version for $5 – Google Play

Expense Manager - an application developed by Bishinews - is popular among users - five million users! The functionality of the application is huge, but main function- financial planning.

When launching the application, users are presented with a template with several expense items, which can be changed if desired by going to the “settings” menu. You can also quickly view necessary payments or study a detailed and visual cost schedule. Like AndroMoney, Expense Manager will easily do backup copy reports to Dropbox cloud storage or device memory card.

A distinctive feature is the presence of a built-in currency converter. Functionality free option Expense Manager is enough to manage your personal expenses.

Pros:

• Intuitive ergonomic interface;
• Many useful functions;
• View reports in graph idea;
• Data backup;
• Currency converter (only if you have an Internet connection).

Well, from the minuses:

• Incomplete functionality of the free version of the application;
• Lack of Russian language

"Family Budget"

• Group: financial instruments
• Developer: Maloi
• Price: Free – Google Play

"Family Budget" - official mobile client for Android, which exactly replicates the functionality of the popular web service for accounting. The application turned out to be no less simple and convenient, and the presence of extensive functionality makes it easy to monitor the family’s financial affairs from a mobile device.

Each generated report is optionally presented in the form of graphs that clearly display the necessary information on money expenditures.

Pros:

• Interface;
• Maximum settings;
• Synchronization with the service;
• Visual display of reports in the idea of ​​graphs.
• Version of the service for a personal computer

Cons:

• Availability of advertising (can be disabled only for money);
• Backup to device memory card only.

EasyMoney

• Group: financial instruments
• Developer: Handy Apps Inc
• Price: Free – Google Play
• Pro version for $10 – Google Play

EasyMoney - the most expensive and most functional application from this application category. However, there is a free version of the program and you can test the initial functionality on it, and only then decide whether it’s worth spending money on full version applications.

Some of the interesting things in the program include: displaying interactive reports and graphs, maintaining several accounts in foreign currency, maintaining a home budget and tracking investments and plastic card balances.

With the data backup feature, you don't have to worry about saving your reports safely.

You can easily transfer all the work done to a memory card or export reports in QIF CSV format.

Pros:

• Impressive functionality;
• Visual reports in the form of interactive graphs;
• Transferring ready-made answers to a memory card;
• Availability of a widget on the desktop.

Cons:

• Complicated interface;
• Lack of Russian language;
• Not cheap!

CoinKeeper

• Group: financial instruments
• Developer: IQT Ltd
• Price: Free for the first 15 days - Google Play

CoinKeeper – popular app for keeping track of expenses and income on an Android smartphone or tablet. After the first launch, the application will prompt you to select suitable way income planning: automatic (in this case, the amount of monthly income is indicated) or manual (required separate setting each of the parameters).

Each of the main menu items has a clear and visual explanation. Categories are color-coded and separated by special icons, which can be adjusted if desired.

Among the functions of the program, I would like to note a serious number of accounts (not limited by the program), adding another expense transaction in a couple of seconds, icons display the current expenses of flowers and in case of overexpenditure cash will change color, financial goals, backup information on a memory card or in cloud storage, as well as password protection.

Pros:

• Ergonomics and intuitiveness of interfaces - operations are implemented by dragging one icon onto another;
• Hints;
• Automatic budget planning;
• Data backup;
• Automatic transfer of information to other devices;
• Setting a password.

Of the minuses, we note:

• Small number of financial reports;
• Slow animation that lags even on modern devices
• There is no "desktop" version of the program

"Home accounting"

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• Group: financial instruments
• Developer: Keepsoft
• Price: 4$ – Google Play

"Home Accounting" - the latest in today's review accounting application for mobile device. It implements the maintenance of both personal financial accounting and the family budget. No special accounting knowledge is required, the application is easy to use, and thanks to the “tasty” filling and a large number functions, using the application is frankly a pleasure.

An interesting feature of the “Home Accounting” program is that several users can use the application at once (each logs in under their own name).

Pros:

• Intuitive interface;
• Russian localization;
• Each category is marked with a separate icon;
• Backup information;
• Exceptional functionality;
• Clear reports;
• Setting a password for the application;
• Availability of a “desktop” version of the application for keeping records on a PC and prompt exchange of information.

Obvious disadvantages“Home Accounting” was not found by users.

Whatever application you install, do not forget to add “cashback from” to your income item. And we will ensure that you have a constant surplus on this item;)

Automation of the family budget is a noble cause and allows you to save a lot of time. In the mind of the average person, a calculator is a way to quickly perform arithmetic operations. We will not stray far from this concept.

1 Online home budget calculators

Exists huge amount various free services, which are designed specifically to make it easier for the user to track expenses and income. The sites offer a meager list of mathematical software tools that, nevertheless, do their job without special problems and complaints. For the family budget, data for the year ahead is important; this information allows you to imagine the overall picture of income and expenses over a long period of time.

The program automatically calculates annual values ​​for all categories of expenses, calculates the balance in the current month and the average annual one, provided that the picture of budget income and expenses does not change critically. A very convenient and incredibly simple program to quickly estimate the possibilities of your budget at your current salary.

Perhaps Permians are very concerned about their financial affairs. The official website of the Perm city administration has published a very interesting calculator, which will be useful first of all local residents due to the possibility of calculating taxes online, but also for residents of other regions of Russia, some of the functions that this simple family budget calculator offers will be useful.

A simple program can be very convenient Family budget for calculating expenses and income, which can be downloaded for free on the endless expanses of the Internet. The program has many nice little features that make the process of summing up your monthly results easier. A simple expense sheet and a clear interface are all you need for your household.

2 How to keep track of your home budget using a calculator?

An ordinary calculator, familiar to everyone from childhood, is also very useful tool in managing a home budget. A small device is always at hand. For those who do not communicate with the computer on a first-name basis, it will be much easier to operate with a notepad, pen and calculator.

In this case, you need to adhere to certain rules for keeping track of expenses and income, and also do not forget about the need to take into account taxes and fees, which are also included in your expenses.

We suggest keeping a very simple table in which you simply write down all your expenses for the month. Unfortunately, categorizing expenses in our case seems to be an almost impossible task, but for keeping track of household finances in real time, such a plate is the best solution. It’s very easy to draw it even in a notepad; you don’t need anything other than a calculator to keep notes.

In general, the tasks of home accounting, even in its simplest form, will always be:

• Distribution of finances;
• Accounting and control over expenses;
• Income accounting;
• Summing up the reporting period.

To do this, you can keep a tight accounting book or simply have a notebook in which you need to record all the sequential financial transactions of the family during the day. The sign will look something like this:

As you can see, this is a simple way of keeping track of all income and expenses, which our grandfathers used. You can calculate interim and final monthly totals using a calculator or even the most ordinary accounts. Have you always wanted to feel like a real accountant from the times of Ilf and Petrov? Perhaps in our time it is archaic, but it is stylish and still reliable!

3 Create a simple calculator on your computer

You can create a family budget calculator using MS Excel, which is available on almost all modern personal computers with Windows OS. enjoy Excel workbooks easy enough. Automating processes will be quite difficult, but for a simple calculation of all income and expenses we will not need to come up with millions of formulas. Simple addition and subtraction will suffice.

You can also use our tips from previous articles about Excel tables. Our calculator will also be a good tool for summing up investment activities, without which you can’t go anywhere today. Detailed accounting of all investments is a very important component of maintaining family accounting and managing household finances in general. Even MS Excel templates have appropriate tools for calculating profits and dividends.

We always encourage readers to pay attention to PAMM investing, believing that they are sufficiently liquid and transparent for your investments to quickly earn and increase without your participation. On the other hand, if you pay attention to ours, you will notice that diversification of deposits is very important for positive results. More accounts mean more numbers and values ​​to consider.

In our small table, we tried to take into account all sources of income and make automation simple and understandable. Apart from the operations "SUM" and subtraction, no formulas were used. It's very simple! A good and convenient calculator for your personal budget!

Money is like water - it flows through your fingers, no matter how hard you try to hold it. And figuring out where they flow can be very difficult. Few of us keep in mind the amount of daily small expenses, but it is they who create that very gap in the family budget that is not clear from where.

Have you finally decided to put your family finances in order? Don't rush to sign up for accounting courses. Your personal economic advisor can be computer program. Don't think that this is something complicated and expensive. Many home accounting programs are completely free and do not require special knowledge economy. They will open up channels of cash leakage for you, take charge of balancing “debit with credit”, teach you how to plan your budget correctly and tell you where you can save. As practice shows, those who regularly use such programs have managed to reduce monthly expenses by 5-25%.

More than 15 years old, but users still consider this program one of the best among its analogues. It does not shine with sophistication of design, but it is very clear and simple, as can be judged even by the appearance of the main window. In addition, it is very functional: if you compare the capabilities of CashFly and the bulk free analogues, then the first wins in many ways.

Here incomplete list what she can do:

• Work without installation, which allows you to use it on different computers(for example, at work and at home). It is enough to unpack the archive with application files into separate folder and save to removable media or in the cloud.
• Keep records of income and expenses for an unlimited number of items, several accounts and in different monetary units. Initially, the program contains US dollars and rubles, but you can add other currencies.
• Take into account the income and expense transactions of several users - both in the general budget and separately.
• Maintain accounting for a small enterprise.
• Make calculations using a calculator.
• Make account statements, compile summary reports on the flow of funds for selected periods of time and display them in the form of graphs and charts.
• Print summaries.
• Protect data with a password.
• Plan a budget for future periods.
• Save old data in archives.
• Store user notes (diary) and phone book, more precisely, lists of organizations and individuals with their phone numbers, addresses, dates of birth and other information. Make reminders about events.
• Convert amounts from one currency to another, according to user set course.
• Disable unused features.

Unfortunately, the development of CashFly is currently stopped. Its last version was released in 2010, and since then the product has not been updated. The list of systems it supports officially only includes Windows 7 and earlier OSes, but, as it turned out, it starts and works on Windows 10 without any problems.

(download from the mirror) is another worthwhile personal finance management tool, but, like CashFly, it has long been abandoned by its developers.

The main advantages of the program are simplicity and flexibility, as well as high performance due to the absence of rarely used functions. The user can customize the appearance of the main window to his liking by enabling or disabling individual blocks and panels in it.

How Xenon will help you control your Family budget:

• Will take charge of accounting for incoming and outgoing transactions for any period of time. A list of the main items of income and expenses is already present in the program. Each operation can be supplemented with text notes and comments.
• Allows you to control the movement of funds on several accounts in five currencies: Russian ruble, Ukrainian hryvnia, Kazakh tenge, US dollar and euro. Current rates do not need to be entered manually, as in CashFly. Just download them from the Internet.
• Shows reports by transaction types and currencies for the selected period of time.
• Exports selected data to Excel documents or print them on a printer.
• Saves your notes about various events.

"Xenon Family Budget" is a single-user program, but allows you to keep track of the income and expenses of several family members. There are no restrictions on the amounts, number of accounts and transactions.

The last release of the program was released in 2006, and since then it has also never been updated. However, no problems were noticed using it on Windows 10.

It is a lightweight version of AceMoney - an advanced commercial product for home accounting. The difference between the free version and the paid one is the ability to manage only two accounts (the program counts not only funds stored in the bank as an account, but also, for example, cash belonging to the family). The remaining functions of both products are almost the same.

AceMoney Lite features:

• Control and accounting of any incoming and outgoing transactions.
• Automatic accounting of regular payments and income (for example, loan payments and salaries) according to a user schedule.
• Supports 150 world currencies. Displays exchange rates in real time (if you have Internet access).
• Planning a budget for various purposes over different periods of time.
• If a bank account is connected to the program, AceMoney can receive up-to-date data on its status directly from the bank (however, the program is not “friendly” with Russian banks).
• Displaying current information about the value of exchange shares ( significant information for investors).
• Calculation of debts (payments on loans and credits), savings (deposits and deposits), mortgage payments.
• Various types of reporting: on the movement of funds in the account, expenses, income, expense categories (for example, monthly expenses on gasoline, groceries, utilities), budget, investments, etc. Reports on individual correspondents (those to whom you pay and from whom you receive payments from).
• Password protection of reports and backups.

For those who are just mastering the science of home economics, help on working with the program will be a useful help. In AceMoney it is in Russian.

AceMoney Lite, unlike the two above-mentioned applications, is updated regularly. In addition, it officially supports Windows 10 and all earlier system releases starting with Windows XP.

- another “lite” version of the commercial product of the same name. Free version saves full functionality until the total monthly income of all its users exceeds 14,000 rubles. After exceeding this modest amount, the program will offer you to buy the full version, which costs 250-500 rubles.

Features of Economy Lite:

• Supports multiple users and any number of their accounts in different currencies(US dollars, rubles, euros, pounds sterling).
• Accounting for income and expenses of debts (loans) both for each user individually and jointly.
• Accounting for transfers of funds from account to account (for example, when withdrawing funds from bank card the program will write off the amount from the “card” account and add it to the “cash” account).
• Generating reports on income, personal expenses, account balances, debts (how much and to whom you owe, as well as how much and who owes you), loans, income minus expenses. Display reports in graphical and text form.
• Printing reports on a printer.
• Color highlighting of individual categories of income and expenses for greater clarity.
• Reminder about the deadlines for regular payments, for example, loan installments, utilities, etc.
• Built-in help in Russian and useful tips on using the program.
• Scheduled data backup.
• Convenient system for searching and filtering information of interest.
• Password protection of access to the program.
• Automatic installation of updates that come out almost every month.
• Technical support.
• Transition from the Economy Lite interface to useful articles on the developer’s website. Articles are devoted to finance, personal growth, making money on investments, work and career (including making money on the Internet on affiliate programs, blogging, YouTube, freelance exchanges, etc.).

Economy Lite is officially supported by everyone Windows versions, starting with XP.

is the only cross-platform application in today’s ranking that, in addition to Windows, can be used on Mac OS X, Linux, iOS and mobile phones on java platform. To install the distribution, you must have Java SE Runtime Environment 1.5 or later versions on your system.

At first glance, DomEconom may seem complicated (at least in comparison with other applications reviewed), but immediately after installation, along with the main window, Russian-language help opens, which contains all necessary information on working with the program. In addition, the registration of a user account and the creation of the first financial notebook (a file where information about income and expense transactions is stored) is accompanied by the Master.

DomEconom features:

• Supports multiple independent user accounts.
• Maintaining general and separate budgets.
• Data entry from various devices. When you connect your computer or phone to the Internet, DomEconom data is automatically synchronized, but if you wish, you can work offline.
• Support different types accounts (cash, bank, credit, etc.) in almost any currency.
• Automatic update of exchange rates.
• Planning expenses for various types needs.
• Drawing up balance sheets and reports for all categories of income/expenses in tabular and graphical format.
• Export reports to Excel documents.
• Creation of an unlimited number of individual and shared notebooks, protected by passwords.
• Automatic backup.
• Password protection of user accounts.
• A large number of built-in templates for all types of operations, expense items, etc.
• Help section in the main window, where tips on actions in the program are displayed (can be disabled if desired).

Currently, the development of DomEconom is suspended, but the official website, from where you can download the application distribution for all supported OS, is still working.