Maalmihii murugada badnaa ee isleegyada ee miisaaniyadaada xaashida Excel waa dhamaatay. ^(Excel)Waa 2019, oo waa waqtigii aad lacagtaada gelin lahayd halka app-kaagu yaallo. Halkan, waxaad ku baran doontaa saddex barnaamij oo maaliyadeed oo aad ka faa'iidaysan karto si aad u hesho daba-galka kharashkaaga, miisaaniyadaynta ama labadaba la xakameeyo:

• Caddayn
• Doolar kasta
• Mint

Laakiin marka hore, waxaa laga yaabaa inaad la yaaban tahay sababta ay apps-kani faa'iido u leeyihiin iyo waxa ka dhigaya kuwa maanta aad loo dabaqi karo marka loo eego hababka dhaqanka.

Waa maxay sababta loo aado Digital

Sida laga soo xigtay ABA Banking Journal , saddex-meelood laba meelood^(two-thirds) dadka Maraykanku^(Americans) waxay door bidaan kanaalada bangiyada dhijitaalka ah ee kanaalada dhaqameed (tusaale, laamaha bangiyada, ATM-yada^(ATMs) ). Da'deena dhijitaalka ah, la socoshada diiwaannada lacagta caddaanka ah iyo waraaqaha sida biilasha iyo rasiidhada waxay u badan tahay inay dareemaan dabiici ka yar oo culays ku ah macaamiisha casriga ah.

Haddii aad rabto inaad u isticmaasho kaarka deynta si aad alaab uga soo iibsato Amazon ama xitaa dukaanka xaafadda leben-iyo-hoobiyaha ee waddada; Haddii aad samaynayso lacag-bixinno biil oo toos ah adoo isticmaalaya shabakad bixiyaha bangigaaga ama app-ka moobilka-miyaanay macno samaynayn sidoo kale miisaaniyad iyo la socoshada kharashaadka iyadoo la adeegsanayo qalab dhijitaal ah?

Way qabataa! Oo waxaa jira barnaamijyo dhowr ah oo bilaash ah oo ku saleysan is-diiwaangelinta kuwaas oo habeeya aqoonta iyo shaqada gacanta ee miisaaniyad-samaynta iyo dabagalka kharashyada si aad si fudud ugu dhammayn karto - oo ay ku jiraan Caddayn^{(EveryDollar)} , EveryDollar^(Clarity) iyo Mint .

Laakiin sida adeeg kasta oo digitized ah oo maanta bixiya, waxaa jira waxyaabo ay tahay inaad tixgeliso marka aad dooranayso tignoolajiyada aad u isticmaasho si aad u maamusho dhaqaalahaaga, sababtoo ah app kastaa wuxuu leeyahay meelaha uu ku fiican yahay iyo meelaha uu ku liito. Aynu eegno mid kasta oo ka mid ah apps-ka aan ka hadlayno waxa uu keeno miiska.

Caddayn - Loogu talagalay Shabakadda iyo Mobilka

Provider: Goldman Sachs
Cost: Free

Waxaa laga yaabaa inaad si fiican u fahantay waxa kharashyadaada caadiga ah yihiin; waxaad samaysaa qaddar caadi ah oo kayd ah bil kasta; waxaad ogtahay inaadan ku bixin wax ka badan xaddi go'an oo dakhligaaga ah ka hor jeeggaaga soo socda, adoo hubinaya inaad u diyaargarowdo wax lama filaan ah.

Dhammaan heerarka, waxaa laga yaabaa inaadan u baahnayn^{(need )} miisaaniyad. Waxa aad u baahan tahay waa hab aad kula socon karto kharashaadkaaga. Waa kan halka app sida Clarity uu ka soo galo.

Waxaa helay Goldman Sachs ee 2018, Clarity wuxuu ku siinayaa hab horumarsan oo aad ku maamusho akoonnada bangigaaga badan, biilasha iyo wax kala beddelashadaada hal meel, iyadoo ku siinaysa hal galaas oo quraarad ah oo aad ku arki karto taariikhdaada maaliyadeed sidoo kalena aad aragto halka iyo sida lacagtaadu waxay soconaysaa marka ay gasho oo ay ka baxdo akoonnadaada. Waa kuwan nooca caddaynta ay bixiso:

• Dulmar ku saabsan heerkaaga maaliyadeed, oo ay ku jiraan lacag caddaan ah, deynta deynta iyo maalgashiga
• Intee in le'eg ayaa ku bixisay maalmihii la soo dhaafay
• Dhaqdhaqaaqa dakhliga ee dhawaa
• Intee in le'eg ayaad kaydisay akoonkaaga Marcus ee Goldman Sachs
• Immisa maalmood ayaa lagaa sugayaa lacagta
• Miisaaniyad bille ah (aan la hagaajin karin; dulmar badan oo kaa caawinaysa inaad horay u sii qorsheysato)
• Muuqaal is dhexgal ah oo lagu sahamiyo halka iyo sida aad lacagta u isticmaalayso
• Sawirro^(Graphs) iyo jaantusyo lagu sawirayo xogtaada maaliyadeed
• Kharashyada soo noqnoqda si ay kaaga caawiyaan inaad fahamto halka ay lacagtaadu ku socoto
• Awoodda aad ku joojin karto rukunka ama adeegyada aad bixiso
• Dhibcaha credit free! (Had iyo jeer dheeraad ah oo fiican)
• Dulmar ku saabsan dhammaan kaadhadhka kreditka ee ku xidhan

Waxaad si qoto dheer u dhex gelin kartaa inta badan haddii aanay ahayn dhammaan sifooyinkan si aad u hesho aragti faahfaahsan oo ku saabsan dhaqaalahaaga oo aad u sameyso raad-raac kharashaad halis ah.

Iyada oo leh astaamo iyo hawlo badan, caddayntu^(Clarity) waxay u baahan doontaa waqti iyo dadaal si loo fahmo macluumaadka abka uu bixiyo. Laakiin marka la barbar dhigo ururinta macluumaadkan oo dhan gacanta laga soo ururiyo ilo badan, waxay aad u yaraynaysaa wakhtiga loo baahan yahay.

Taasi waa wax fiican. Haddaba, waa maxay dhinaca hoose?

Waxay u dhowdahay sida haddii awoodda caddayntu^(Clarity) tahay daciifnimadeeda: culayska xogta. In kasta oo dashboard^(Clarity) - ku uu yahay mid dhammaystiran, waxa ay noqon kartaa wax badan in la qaato, taas oo qaadanaysa in la qabsado.

Sababtoo ah qadarka macluumaadka lagu soo bandhigay jaantusyo iyo garaafyo badan ama ku jira dhowr widgets-dhammaan hal meel - waa lama huraan inaad ku dhameysato saddex ama afar qaybood oo gaar ah oo dashboard-ka ah oo aad dayacdo inta kale.

Arrin kale oo nasiib darro ah oo u muuqata inay ku dhacayso Caddayntu^(Clarity) waa daahida ku socota socodka macluumaadka u dhexeeya akoonnada bangigaaga iyo abka. Guud ahaan, waxay qabataa shaqo hufan oo ilaalinaysa dhaqaalaha iyo soo bandhigida socodka lacagta caddaanka ah ee saxda ah, laakiin waxaa jiray kiisas ay ku qaadanayso dhawr maalmood in Clarity uu la jaanqaado akoonkaaga bangiga.

Haddii aadan si toos ah ula socon xisaabaadkaaga bangiga, tani waxay kuu horseedi kartaa inaad rumaysato inaad haysato lacag ka badan ama ka yar inta aad dhab ahaantii haysato.

In kasta oo ay jiraan baaqyadan yar yar, Clarity waxa ay ku siinaysaa fursado badan oo ah halka aad diiradda saarayso raadinta kharashka. Haddii aad ula dhaqanto app-ka sidii qalab daba-galka kharashaadka si aad u wanajiso halkii aad isku dubaridi lahayd maamulka maaliyadda, faa'iidooyinku aad bay ugu fiican yihiin qofka caadiga ah ee aan haysan waqti ama daryeel si uu u galo haramaha ama uu aad uga taxadaro miisaaniyad-samaynta.

Dollar kasta - Loogu talagalay Shabakadda iyo Mobilada

Provider: Ramsey Solutions
Cost: Basic - Free; Plus - $10.75/month / $129/year

Ma^(Are) tahay dukaanle? Ma ku dhibtoonaysaa inaad habaysan tahay? Waxaa laga yaabaa in mid, ama labadaba, sifooyinkan ay adkeynayaan bixinta biilasha iyo iibsashada baahiyaha daruuriga ah bil kasta. Kaliya la socoshada kharashaadka kuma ilaalin doonto safka. Waxaad u baahan tahay wax aad ku toosiso ficilkaaga: miisaaniyad.

Mar labaad, laga yaabee inaad mar hore isku dayday tan. “Ma shaqaynayso. Kuma adkaysan karo,” waxaad tidhaahdaa. Kaligaa ma tihid Ra'yi ururin Gallup ah ayaa lagu ogaaday in mid ka mid ah saddexdii qof ee Maraykan ah^(Americans) uu hayo miisaaniyad wakhti dheer ah.

Laakiin leh app sida EveryDollar , miisaaniyadaynta waa la fududayn karaa, xitaa laga dhigo mid lagu raaxaysto rumaysta ama maya, taas oo ku gelin karta in 33 ama boqolkiiba dadka Maraykanka ah^(Americans) ee si taxadar leh u qorsheeya dhaqaalahooda. Dhowaan^(Soon) kugu filan, waxaad laaci doontaa caadooyinka xunxun ee kharashka xad-dhaafka ah oo waxaad daawan doontaa kaydintaada oo koraysa.

EveryDollar waxay ku fiican tahay qof kasta oo ku cusub miisaaniyad-samaynta, laakiin sidoo kale waa qalab weyn oo loogu talagalay faa'iidooyinka Excel ee doonaya faahfaahinta. Waxay ku siinaysaa miisaaniyad habaysan oo caqli ku filan si loo xasuusto kharashyada soo noqnoqda oo ay kugu soo shubto adiga bil kasta, oo lagu daro xisaabinta korodhka ama dhimista kaydadka, maalgashiga iyo deynta ku salaysan qiimaha wax soo gelinta. Intaa waxaa dheer, waxaad hagaajin kartaa qaabka si aad ugu darto waxyaabo badan oo miisaaniyadeed oo gaar ah oo aan horay u dhicin.

Asal ahaan, EveryDollar waxay qaadataa isla'egyada Excel iyo unugyada waxayna ka dhigtaa gadaasha is dhexgalka casriga ah ee u fudud qof kasta inuu fahmo. Quruxda appku waa waxa kaliya ee ay tahay inaad sameyso waa farta oo guji oo geli xogta macluumaadka.

Ka guurista sifada miisaaniyada, waxa ku fiican EveryDollar waa wax ka badan qalab-waa saldhig aqooneed. Waxaa soo saaray dhaqaalaha guru Dave Ramsey ee magaca shirkadda, Ramsey Solutions , EveryDollar waxay ka kooban^{(EveryDollar)} tahay dhammaan habka ugu wanaagsan ee laga soo bilaabo sannadihii Ramsey ee khibradda qorsheynta maaliyadeed iyo miisaaniyada.

Hoosta qaybta Talaabooyinka Ilmaha^{(Baby Steps)} ee abka, EveryDollar waxa ay ku siinaysaa muuqaal, socdaal weji leh oo yoolal ah oo aad raaci karto, laga bilaabo Ilmaha Talaabada 1^{(Baby Step 1)} , Sanduuqa Gurmadka^{(Emergency Fund)} , oo ku dhamaanaya Talaabada Ilmaha 7^{(Baby Step 7)} , Dhis Maal^{(Build Wealth)} iyo Bixi^(Give) .

Mar labaad, abka waa caqli ku filan si uu ula socdo halka aad safarkan ku jirto iyadoo lagu saleynayo waxa uu ka soo saaro miisaaniyadaada.

Taasi waa, marka aad gaarto yoolka kaydka ee sanduuqa degdega ah ee ilmaha Talaabada 1^{(Baby Step 1)} , EveryDollar waxa ay si toos ah kuugu dhaqaajin doontaa tilaabada Ilmaha ee 2^{(Baby Step 2)} , Bixi^{(Pay Off)} dhammaan deynta adigoo isticmaalaya ^{(Debt Using)}kubbadda barafka^{(Debt Snowball)} ee deynta . Intaa waxaa dheer, waxaa jira tilmaamo lagu soo daray tallaabo kasta si aad uga dhigto safarkaaga xagga samaqabka dhaqaale wax yar fudud.

U guurista si qoto dheer fikradan in EveryDollar uu ka badan yahay kaliya miisaaniyad iyo sidoo kale saldhigga aqoonta, qaabka saddexaad wuxuu bixiyaa qalab kaa caawinaya inaad hesho bixiyeyaasha maxaliga ah ee caymiska, adeegyada canshuurta, hawlgabka iyo maalgashiga, iyo iibsashada iyo iibinta guri.

Waxa ku fiican EveryDollar waa qaabka miisaaniyadeed ee horumarsan laakiin dareen leh oo ay weheliso baaxadda weyn ee ahaanshaha saldhig aqooneed oo kugu hagaya dhinaca ammaanka maaliyadeed, halkii aad ka tagi lahayd inaad keligaa wax ogaato. Haddaba, waa maxay dhinaca hoose?

Wax u fudud sida dabagalka kharashku wuxuu ku dhamaanayaa kharash dheeraad ah haddii aad rabto. Kaliya^(Just) inaad ku xidho akoonnada bangigaaga iyo kaadhadhka deynta, iyo sidoo kale inaad hesho taageero, waxay kugu kacaysaa $10.75 bishii, ama $129 sanadkii, ee maahan gunta iyo ballaca kharashaadka la socodka aad ku hesho Clarity lacag la'aan.

Ka dib mar labaad, kordhinta xubinnimadaada Plus ee EveryDollar waxay noqon kartaa mid u qalantaa haddii aad doorbidi lahayd inaadan haysan laba barnaamij - mid ku saabsan dabagalka kharashka, mid miisaaniyadeed - oo aad door bidayso inaad wax walba ku hayso meel dhexe oo aad u caqli badan oo sahlan- faham app.

Mint - Loogu talagalay Shabakadda iyo Mobilada

Provider: Intuit
Cost: Free

Markaad u dhex gasho dhaqanka si dijital ah loo maareeyo dhaqaalaha, waxaad si dhakhso ah u fahmi doontaa in badan oo ka mid ah geeddi-socodku yahay arrin la doorbidayo marka ay timaado sida aad ugu qanacsan tahay adkeynta, ama la'aanta, qalabku wuxuu bixiyaa.

Laakiin haddii aad raadinayso abka ugu dambeeya ee wax kasta-ku-hal-hal ah si aad u maamusho miisaaniyadaada iyo daba-galka kharashaadkaaga, waxa laga yaabaa inay kugu adkaato inaad hesho wax la tartami kara M i nt .

Mint waxay bixisaa wax kasta oo cad^{(EveryDollar)} iyo EveryDollar^(Clarity) ay ku sameeyaan dhadhankeeda, laga bilaabo daba-galka kharashaadka ilaa miisaaniyad-dejinta ilaa jeega deynta. Dashboardkaaga guud, waxaad ka helaysaa muuqaal fiican:

• Xisaabaadka
• Biilasha
• Dhibcaha credit
• Samee miisaaniyad
• Yoolalka
• Isbeddellada maaliyadeed
• Maalgelinta
• Siyaabaha loo badbaadiyo

Laakiin sida Caddaynta^(Clarity) , waxaa jira wax badan oo la qodayo halkan. Waxa ka duwan waa Mint ayaa aad u xoog badan marka aad bilowdo qodista. Guud ahaan, Mint ayaa si waalli ah uga faahfaahsan labada barnaamij ee kale ee aan halkan ku soo sheegnay, laakiin kuwa sameeya Intuit waxay sidoo kale ka warqabaan dadka aan haysan waqti ay ku qodaan oo fahmaan heerkaas faahfaahinta waxayna door bidaan heer sare. aragti leh jihada qaar.

Waa kuwan tusaalayaal qaar ka mid ah sifooyinka ay bixiso Mint :

Ganacsiga^{(Transactions)}

Qalabka wax kala beddelashadu waa mid cajiib ah, maadaama ay ku dayato waxaad ku arki lahayd abka bangiyada, taas oo macnaheedu yahay inaadan ka welwelin inaad la qabsato qaab kale ama habka loo maro kharashyada. Sifada gaarka ah halkan waa awooda lagu calaamadiyo (tusaale ahaan, calaamadaynta) wax kala iibsiga si loo kala saaro qaybo, taasoo ka dhigaysa inay fududahay in la helo lagana falanqeeyo heer sare.

Biilasha^(Bills)

Mint waxay ku siinaysaa dulmar sahlan oo biilasha la bixiyo bil kasta iyo sidoo kale lacag caddaan ah oo la heli karo, credit ayaa diyaar ah, iyo lacag-bixinnada aad bixisay. Sifada gaarka ah waa kalandarka wareegga biilasha kaas oo kuu ogolaanaya inaad gujiso taariikhaha si aad u aragto haddii/marka biilasha la bixinayo iyo sidoo kale ku dar biilasha aad rabto in lagu ogeysiiyo inaad bixiso taariikho gaar ah.

Miisaaniyadaha^(Budgets)

Iyadoo agabka miisaaniyada Mint uu horumarsan yahay, EveryDollar's wuxuu u muuqdaa mid sahlan in la maareeyo lana maareeyo. Tani waxay noqon kartaa aag ay Mint ku horumarinayso. Ma jiraan wax aad u adag oo ku saabsan sifada, laakiin qaabka iyo habka loo maareeyo arrimuhu maaha kuwo dareen leh sida ay noqon karaan.

Yoolalka^(Goals)

Tani waa qalab madadaalo ah oo la barbardhigi karo Tallaabooyinka Ilmaha^{(Baby Steps)} ee EveryDollar , laakiin laga yaabee xitaa ka sii xoog badan. Farqiga ayaa ku jira nuxurka. Si ka duwan EveryDollar , Muuqaalka Mint wuxuu bixiyaa xisaabiyeyaal dhowr ah si ay kaaga caawiyaan inaad go'aamiso sida loo dhammeeyo bixinta deynta kaadhka deynta, badbaadinta xaalad degdeg ah, gadashada baabuur cusub iyo wax badan, wax ka badan.

Arag Isbeddelladaada Dhaqaale^{(View Your Financial Trends)}

Tani waa meesha aad ka soo saari karto garaafyo si aad u aragto dhaqaalahaaga. Si ka duwan sida Clarity , waxaad haysataa fursado badan oo aad ku habeyn karto dhammaan kharashyada, dakhliga, dakhliga saafiga ah, hantida, deynta iyo qiimaha saafiga ah, taas oo kaa caawin karta inaad dhisto faham wanaagsan oo wax walba ah. Haddii ay u egtahay wax badan, ha werwerin, Mint waxay soo jeedinaysaa talooyinka garaafyada si ay isugu dayaan, iyada oo la og yahay in qof kastaa aanu helin wakhti uu ku falanqeeyo 50 muuqaal oo kala duwan.

Siyaabaha loo Badbaadiyo^{(Ways to Save)}

Halkan waxaa ah qalab kale oo madadaalo ah oo ay bixiso Mint , oo ku siinaya awood aad ku baadho alaabta kale ee maaliyadeed - kaararka deynta, hubinta iyo kaydinta xisaabaadka, 401k rollovers, IRAs iyo wax ka badan - si aad u aragto meesha aad ka heli karto lacagta ugu fiican ee lacagtaada. Waa hal dariiqo oo kale oo Mint ay isku daydo inay kaa caawiso inaad ku caqli badan tahay dhaqaalahaaga.

Laakiin maskaxda ku hay, si aad u noqoto mid caqli badan sida Mint ay kuu ogolaato inaad la socoto dhaqaalahaaga, waa inaad diyaar u tahay inaad waqti iyo dadaal ku bixiso.

Gabagabo

Caddayntu^(Clarity) waa bilaash waxayna ku siinaysaa macluumaadka ay aaminsan tahay in qofka caadiga ahi uu u baahan yahay inuu fududeeyo habka dabagalka kharashaadka. Waxay u baahan tahay in la barto qaarna fiiro gaar ah loo yeesho, laakiin waxay wanaajin kartaa maamulkaaga maaliyadeed adiga oo meel dhexe ku hela dhammaan socodka lacagta caddaanka ah.

Dollar kasta^{(EveryDollar)} waxa uu qaataa awoodaha miisaaniyada Excel oo uu ku xidho is-dhexgal dareen leh oo caqli badan kaas oo qarinaya inta badan shaqada hufan ee looga baahan yahay iskudubarid miisaaniyad. Laakin haddii aad rabto daba-galka kharashka, waa inaad bixisaa kharashkeeda.

Mint waxa ay isku xidhaa sida ugu fiican ee miisaaniyada iyo dabagalka kharashaadka si ay u bixiso balaadh iyo qoto dheer oo fahan si ay uga caawiso dadka marxalad kasta oo ay ku fahmaan dhaqaalahooda. Haddii aad runtii rabto xirmada oo dhan oo aadan rabin inaad bixiso dime, Mint waa riyo rumowday. Laakin ma filan kartid in aad qiimo badan ka heli kartid haddii aadan ku bixin dhowr maalmood asbuucii si aad u dhex gasho wax kasta oo ay bixiso. 

Go'aaminta abka adiga kugu habboon waxay hoos ugu soo degtaa doorbidida iyo fahamka heerka hagitaan ee aad u baahan tahay si uu kaaga caawiyo inaad jidka ku sii socoto.

App-ka heerka sare ah sida Caddaynta^(Clarity) ayaa laga yaabaa inuu kuu sheego waxaad hore u taqaanay, ama abka sida Mint ayaa laga yaabaa inuu ku dhaafo. Taladayadu waa inaad gacmahaaga duubto oo aad isku daydo app kasta naftaada. Markaad hesho taam ahaanshahaaga, waxaad diyaar u noqon doontaa inaad si caqli badan u bilawdo inaad lacagta u maamusho da'da dhijitaalka ah.

The Best Budgeting and Expense Tracking Apps in 2019

The days of agonizing over equations in your Εxcel spreadshеet budget are over. It’s 2019, and it’s time to put your money where your app is. Here, you’ll learn about three financial apps you cаn leverage to get уour expense tracking, budgeting or both under control:

• Clarity
• EveryDollar
• Mint

But first, maybe you’re wondering why these apps are useful and what makes them more applicable today than traditional methods.

Why Go Digital

According to ABA Banking Journal, two-thirds of Americans prefer digital banking channels to traditional channels (e.g., bank branches, ATMs). In our digital age, keeping track of cash and paper records like bills and receipts is probably feels less natural and more burdensome to modern consumers.

If you’re going to use your credit card to purchase goods on Amazon or even from the brick-and-mortar neighborhood store down the street; if you’re going set up automatic bill payments through your banking provider’s web or mobile app–doesn’t it make sense to also budget and track expenses with a digital tool?

It does! And there are several free and subscription-based apps available that codify the knowledge and manual work of budgeting and expense tracking tasks so you can accomplish them with ease–including Clarity, EveryDollar and Mint.

But as with any digitized service offering today, there are some things you should consider when choosing the technology you use to manage your finances, because each app has its own strengths and weaknesses. Let’s look at what each of the apps we’re discussing brings to the table.

Clarity – For Web and Mobile

Provider: Goldman Sachs
Cost: Free

Maybe you already have a good grasp of what your regular expenses are; you commit a standard amount to savings each month; you know not to spend over a certain amount of your income before your next paycheck, ensuring you’re prepared for the unexpected.

By all standards, you may not need a budget. What you do need is a way to track your expenses. Here’s where an app like Clarity comes in.

Acquired by Goldman Sachs in 2018, Clarity offers you an advanced way to manage your multiple bank accounts, bills and other transactions in one place, giving you a single pane of glass through which you can view your financial history as well as see where and how your money is moving as it enters and leaves your accounts. Here’s the kind of clarity it provides:

• An overview of your financial status, including cash, credit debt and investments
• How much you’ve spent in the last few days
• Recent income flow
• How much you have saved in your Marcus account from Goldman Sachs
• How many days until you get paid
• A monthly budget (unadjustable; more of an overview to help you plan ahead)
• An interactive feature to explore where and how you’re spending money
• Graphs and charts to visualize your financial data
• Recurring expenses to help you understand where your money is going
• The ability to cancel subscriptions or services you pay for
• Free credit score! (Always a nice extra)
• An overview of all your linked credit cards

You can dig deeper into most if not all these features to get a more detailed perspective of your finances and do some serious expense tracking.

With so many features and functions, Clarity will require some time and effort to understand the information the app provides. But when compared with gathering all this information manually from across multiple sources, it greatly reduces the time required.

That’s all great. So, what’s the downside?

It’s almost as if Clarity’s strength is its weakness: information overload. While the Clarity dashboard is thorough, it can be a lot to take in, which takes some getting used to.

Due to the amount of information displayed in several charts and graphs or contained in several widgets–all in one place–it’s inevitable you’ll end up homing in on three or four specific sections of the dashboard and neglecting the rest.

Another unfortunate issue that seems to occur with Clarity is the delay in information streaming between your bank accounts and the app. Overall, it does a decent job keeping track of finances and displaying the correct cash flows, but there have been cases where it takes a couple days for Clarity to be in sync with your bank account.

If you aren’t keeping track of your bank accounts directly, this could lead you to believe you have more or less money than you actually do.

Despite these small caveats, Clarity provides plenty of options for where to focus your attention in expense tracking. If you treat the app as an expense tracking tool to enhance rather than coordinate financial management with, the benefits are great  for the average person who doesn’t have time or care to get into the weeds or be overly meticulous with budgeting.

EveryDollar – For Web and Mobile

Provider: Ramsey Solutions
Cost: Basic - Free; Plus - $10.75/month / $129/year

Are you a shopaholic? Do you struggle staying organized? Maybe one, or both, of these traits is making it difficult to pay bills and purchase necessities on a month-to-month basis. Just tracking expenses won’t keep you in line. You need something to direct your actions: a budget.

Then again, maybe you’ve already tried this. “It doesn’t work. I can’t stick to it,” you say. You’re not alone. A Gallup poll found only one in three Americans keep a long-term budget.

But with an app like EveryDollar, budgeting can be simplified, even made enjoyable believe it or not, which can put you in that 33 or so percent of Americans who diligently plan their finances. Soon enough, you’ll be kicking bad habits of overspending and be watching your savings grow.

EveryDollar is perfect for anyone new to budgeting, but it’s also a great tool for the Excel pros who want details. It provides a templated budget that’s smart enough to remember recurring expenses and input them for you each month, plus calculate increases or decreases in savings, investments and debt based on input values. Additionally, you can tweak the template to include more unique budget items that aren’t already defaults.

Essentially, EveryDollar takes Excel’s equations and cells and puts them behind a modern interface that’s easy for anyone to understand. The beauty of the app is all you have to do is point and click and enter data inputs.

Moving on from the budgeting feature, what’s nice about EveryDollar is it’s more than tool–it’s a knowledge base. Developed by finance guru Dave Ramsey’s namesake company, Ramsey Solutions, EveryDollar embodies all the best practice from Ramsey’s years of experience in financial planning and budgeting.

Under the Baby Steps section of the app, EveryDollar provides a visual, phased journey of goals you can follow, starting with Baby Step 1, Emergency Fund, and ending with Baby Step 7, Build Wealth and Give.

Again, the app is smart enough to keep track of where you are on this journey based on what it processes from your budget.

That is, once you reach the savings goal for an emergency fund in Baby Step 1, EveryDollar will automatically move you forward to Baby Step 2, Pay Off All Debt Using the Debt Snowball. Additionally, there are tips included for each step to make your journey towards financial well-being a little easier.

Moving deeper into this idea that EveryDollar is more than just a budget and also a knowledge base, a third feature offers tools to help you find local providers for insurance, tax services, retirement and investing, and buying and selling a home.

What’s great about EveryDollar is the advanced but intuitive budget feature with the huge plus of being a knowledge base that guides you towards financial security, rather than just leaving you to figure things out on your own. So, what’s the downside?

Something as simple as expense tracking ends up costing you extra if you want it. Just to connect your bank accounts and credit cards, as well as receive support, will cost you $10.75 a month, or $129 a year, and not for the depth and breadth of expense tracking you get with Clarity for free.

Then again, boosting your membership to Plus with EveryDollar could be worth it if you’d rather not keep two apps–one for expense tracking, one for budgeting–and would prefer to keep everything centrally located in one very smart and easy-to-understand app.

Mint – For Web and Mobile

Provider: Intuit
Cost: Free

As you delve into the practice of digitally managing finances, you’ll quickly come to understand much of the process is a matter of preference when it comes to how comfortable you are with the robustness, or lack thereof, a tool offers.

But if you’re looking for the ultimate everything-in-one app to manage your budget and expense tracking, it might be difficult to find anything competitive to Mint.

Mint offers everything Clarity and EveryDollar do in its own flavor, from expense tracking to budgeting to a credit check. In your overview dashboard, you get a nice display of:

• Accounts
• Bills
• Credit score
• Create budgets
• Goals
• Financial trends
• Investments
• Ways to save

But as with Clarity, there’s a lot to dig into here. What’s different is Mint is more robust once you start digging. In general, Mint is insanely more detailed than the two other apps we’ve covered here, but its makers at Intuit are also conscious of the people who don’t have time to dig into and understand that level of detail and prefer a higher level view with some direction.

Here are some examples of features Mint offers:

Transactions

The transactions tool is fantastic, as it emulates what you would see in a banking app, which means you don’t have to worry about getting used to a different layout or process of scrolling through expenses. A unique feature here is the ability to tag (i.e., label) transactions to group them into categories, making them easier to find and analyze from a higher level.

Bills

Mint gives you a simple overview of bills due each month as well as cash available, credit available, and payments you’ve made. A unique feature is a billing cycle calendar that allows you click on dates to see if/when bills are due as well as add bills you want to be notified of to pay on specific dates.

Budgets

While Mint’s budgeting tool is advanced, EveryDollar’s seems easier to move through and manage. This could be an area for Mint to improve upon. There’s nothing too complex about the feature, but the layout and process for managing things aren’t as intuitive as they could be.

Goals

This is a fun tool comparable to EveryDollar’s Baby Steps, but perhaps even more robust. The difference is in content. Unlike EveryDollar, Mint’s feature offers several calculators to help you determine how to accomplish paying off credit card debt, saving for an emergency, buying a new car and much, much more.

View Your Financial Trends

This is where you can generate graphs to visualize your finances. Unlike Clarity, you have more options for customization across spending, income, net income, assets, debts and net worth, which can help you build a better understanding of everything. If it sounds like a lot, don’t worry, Mint offers suggestions for graphs to try, knowing not everyone is going to have time to analyze 50 different visuals.

Ways to Save

Here’s another fun tool Mint offers, giving you the ability to browse other financial products–credit cards, checking and saving accounts, 401k rollovers, IRAs and more–to see where you can get the best bang for your buck. It’s just one more way Mint tries to help you be smarter with your finances.

But keep in mind, to be as smart as Mint allows you to be with your finances, you have to be willing to spare the time and effort.

Conclusion

Clarity is free and gives you the information it believes the average person needs to ease the process of expense tracking. It takes some getting used to and some attention, but it can enhance your financial management by centrally locating all your cash flows.

EveryDollar takes the capabilities of an Excel budget and packages them into an intuitive and smart interface that hides most of the meticulous work required to coordinate a budget. But if you want expense tracking, you’ll have to pay for it.

Mint bundles together the best of budgeting and expense tracking to offer a breadth and depth of insight to help people at every stage of understanding their finances. If you truly want the entire package and don’t want to pay a dime, Mint is a dream come true. But you can’t expect to get much value from it if you’re not spending a few days a week delving into everything it offers. 

Deciding which app is right for you comes down to preference and understanding what level of guidance you need to help you stay on track.

An app as high-level as Clarity might just tell you what you already know, or an app like Mint might just overwhelm you. Our recommendation is to roll up your sleeves and try each app for yourself. Once you find your fit, you’ll be ready to start managing money smarter in the digital age.

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