smart spending

The best financial apps for Android phones

Click on the apps below for more information.

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Budgeting apps

Bank applications report balances as of a given date. If you are a diligent budgeter who keeps receipts for recording either on paper or in your computer, there are Droid applications that allow you to input information on the spot to keep track of bank balances and budgeting.

EasyMoney by Handy Apps ($9.95). This has all the things I look for in a budget application: income tracking, customizable income and expense categories, expense tracking for multiple accounts with a currency conversion option that allows you to spend money in one currency and track it in your home currency, and the ability to split expenses between different categories. You can take pictures of receipts and associate them with expenses.

A big plus is the ability to export data to your desktop so you can use it with other software. This has enough features that you may stop using your planning software. It has a very intuitive interface, with larger-than-expected graphics that allow me to forgo my reading glasses. There is also a 30-day free trial version available.

Others to look at:

Cashbook by Frank Android Software ($4.99).

CashWaltz by Austin Valley Software (free trial version available; $3.99 per month or $19.99 per year after trial).

Applications that aggregate data

These financial apps are designed to pull your information from its original source (bank, credit card, investments, bills, etc.), using your username and password. The apps act on your behalf, logging into websites to get personal information. Aggregation technology and security is 10 years old and has proven to be reliable. I do advise you to make sure that you read the user agreements before entering your information. Like all the apps reviewed here, it has an application password. After reviewing information, the user has the options to log out (which I recommend). Once you log out, the account data are wiped from the phone.

The favorite in this group is Pageonce Pro -- Money & Bills. This application tracks all your accounts in one place. However, you can enroll and add accounts via the Droid or the website. The initial account setup takes awhile, but the data retrieval was fast and the interface was simple to use.

The app was conceived as a personal assistant, so it can track just about anything that needs to be tracked. For instance, you can track your Amazon purchases, cell phone usage and real-time updates on flights. There are two versions of this app -- the free version and the premium version. I started with the free version and quickly moved to the premium. It costs $12.99, but it's worth it.

Others worth looking at: Mint, a free application by Mint.com. Note that you have to enroll on the website to use the Droid application.

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