As the economy is only slowly recovering from the recent slowdown, it will be wise from your part to be a bit more frugal than usual as far daily/monthly expenses are concerned until things become rosy again. Daily Expenses is one such application that lets you track your expenses from right within your iPhone. This handy budget tracker from ioesoft.com comes at a price tag of $0.99 per license.

The Application

Downloading and installing Daily Expenses iPhone app is a breeze. Given its file size, it won’t take up much space in your phone either. The user interface is well laid out and easy to navigate around. It has default categories such as food, transport etc wherein you can add your expenses as and when it comes. You can also add/delete/edit newer categories if the same is missing in the default list in the application.

Further, you can create weekly or monthly report and get it emailed to you automatically. Also, you can have the daily expenses data exported into a spreadsheet via email. Another notable feature of the iPhone Daily Expenses app is the option that lets you view the summary of your expenses with pie chart and %. It provides a clear idea of where your expenses came from, and how close it was to your monthly budget.

Further, you can add photos of item as well as that of the receipt as proof of expense to the concerned category entry. The app even lets you export photo albums. You can also opt to view all the monthly summary reports in one page for easier month to month expenses comparison. If you are globe trotter who deals with multiple currencies, don’t worry; you have 66 types of currency symbols to choose from.

Finally, in terms of look and feel, the app supports multiple color schemes so that you can give your color of choice to the interface. However, it must be kept in mind that the app supports iOS 4.0 or above.

Conclusion

Daily Expenses app for iPhone certainly gives good start for your financial management attempts through iPhone. The app is fast, responsive, and comes with all the minimal features required to keep your budget under leash throughout the month. The option to export data to spreadsheet and the one that generates the pie chart/percentage view of your monthly expenses stands out in terms of sheer utility. Verdict: A handy financial management application for the common man out there.

Ace Budget app for iPhone is an easy to use mobile application that lets you track your expenses and income in a productive manner. It helps you to restrict your spending inside your means. If you are someone who needs some fine tuning as far as your expenditure is concerned, perhaps Ace Budget could extend you a helping hand. Ace Budget application for iPhone comes at a price tag of $0.99 per license.

The Application

In Ace Budget iPhone app, you can create categories, based on your spending/expenditure, and create budgets for the same on a weekly, monthly, semimonthly, quarterly, or yearly basis. You can virtually unlimited number of categories, and separate budgeting plan for each one of them. On the main screen of the app, you can view all these data in one place: the different categories, how much you’ve spent and how much is left. At the bottom of the screen is a numerical comparison between the total expenses incurred and the income, and the money you have saved (or lost) based on your budget plans. Further, under each category, the money spent/left is suitably color coded for better comprehension. For example, green means money left over, while red stands for money over spent.

In order to create a budget category (you can have unlimited number of categories), tap on ‘+’, followed by naming the category, amount, cycle (monthly, weekly etc), and start date, alongside choosing an icon for your category. Also, there is an option to allow the budget category to roll over each new cycle. Adding an expense is also easy; simply tap ‘+’ again and enter the value. It is also possible to set an expense as recurring if your expense/one of the expenses is predictable like your house rent. iPhone Ace Budget application also comes with an option to export data via email as a CSV file. Other features include transaction reminder, fund transfer, smart auto complete, budget delete lock, budget history etc.

Further, you can view charts and reports of your monthly expenses by clicking on ‘reports’ at the bottom of the screen. However, there is no option graph the budget or obtain the overall budget report. The search feature, again at the bottom of the screen, lets you search the data you wish to view anytime.

Conclusion

Ace Budget app for iPhone has enough features to solve the financial management woes of an average person. It is easy to use, provide multiple options to manage your expenses, and tells you straight how much you’ve spent, and how much is left behind at any given time. On the other hand, it lacks more sophisticated visual indicators such as graphs or overall budget reports, which if present would have made Ace Budget a stand out application. Verdict: A decent finance management app to have in your iPhone.

Bloomberg is an iPhone app that has been around for some time. Over the course of time though, the app has been upgraded and improved. The modern version of Bloomberg app for iPhone contains all of the fixes that have been included over the years and it is now a very sweet app available for free that is definitely worth a look.

Trusted information right to your iPhone

The information from Bloomberg is now available right on your iPhone. The good thing about this is that the full array of information is now available without too much navigational difficulty, something that has not always necessarily been true for the Bloomberg iPhone app. Bloomberg of course is definitely one of the most trusted names in financial news and that of course is even better news for people that are looking for an iPhone app that can give them this kind of information.

All kinds of financial information available

What really makes Bloomberg good aside from the fact that it is a trusted name in finances by hundreds of thousands of people that make their living in the industry is the fact that it is comprehensive. If you are looking for financial news, Bloomberg is your source of information. If you are looking for quotes on various stocks, Bloomberg is your source of information. If you are looking for market conditions, projections, descriptions of companies or anything else, Bloomberg can be your source of information. There are not many online sites out there that can make that claim and even fewer that can do it with a new and improved Bloomberg iPhone mobile application that is certainly a lot to look at.

Final Score

Bloomberg is a comprehensive and authoritative source of financial information. Furthermore, Bloomberg app for iPhone in question gives you all of the information that you could need as far as easy viewing on your iPhone is concerned. Finally, different iPhone app specific features such as the ability to create a specific list of stocks to watch give you the chance to really get some mobile advantage from this app. Combine those three things together and what you have is a recipe for success for the new and improved Bloomberg app for the iPhone. Our final score for Bloomberg iPhone app is 10 out of 10 because it really is one of the best financial apps out there for the iPhone and you know it’s just going to get better with time.

There are many times where you would be interested in calculating a particular aspect of a loan but might not want to go through the rigmarole of looking up the formula and then doing all the math on your own. For times like that, Simple Loan Calculator app for iPhone can give you a general idea of what to expect.

Calculate simple amortization

In order for Simple Loan Calculator iPhone App to work, you need to be dealing with any simple loan format that includes interest amortized over a fixed amount of time with monthly payments that are also fixed. If this is how you want the loan structure to work, you can use Simple Loan Calculator app for iPhone to give you a general idea of what the amortization is going to be. You can then use this to get a monthly payment value on the loan that will give you an idea of how much you might need to pay back per month were you to actually go ahead and take this loan.

Calculate loan amount

You can also do the flip side of that particular calculation which is to calculate the total amount of a loan that you could hold onto with Simple Loan Calculator iPhone mobile application. Pick a monthly payment amount that you feel comfortable with and once you have done that you can then put in an interest rate and a length of term for the loan. Amortization works the same both ways and because of that you can get Simple Loan Calculator app to use those figures to give you an idea of the total amount of loan that you could afford to take.

Calculate for multiple loan types

As long as the loan has an interest rate amortized to a fixed term with a fixed payment per month, you can use iPhone Simple Loan Calculator mobile app. This means that mortgages, car loans, computer loans or anything else that conforms to those general properties can be estimated with this particular iPhone app.

Final Score

Simple Loan Calculator app for iPhone is not authoritative and does not pretend to be. It is an app that will give you a decent estimate of whatever number you are after, but you should always check with your financial specialist before agreeing to a deal to find out exactly what is going on. The final score for Simple Loan Calculator iPhone app for its usefulness however is still high at 8 out of 10.

There are so many apps out there that have a lot of relevance to everyday life. The one for the iPhone that really fits into that category is BillMinder, an app that isn’t too flashy but will really help you get the job done. Everyone has bills to worry about and that is why BillMinder iPhone app is just about universally relevant.

List and mark your bills

The main feature of BillMinder app for iPhone is actually a two-pronged feature. The first part of this feature is the ability for you to list all of the different bills that you have to pay. No matter what the bill actually is, if you have to pay it you should make sure that you list it on your BillMinder iPhone app interface.

Once you’ve done that, you can then make use of the second part of the feature which is the ability for you to mark all of your bills. You can put a due date down for all of the bills and then based on that and your other information you can mark them as being paid or unpaid. If you mark a bill unpaid and your iPhone’s date is past the due date for the bill, BillMinder mobile application will automatically let you know that you are past the due date for that particular bill.

Recurring bills are easy

Not only can you look at one-time payments with iPhone BillMinder app, but you can look at a month-by-month breakdown of your bills and create a recurring bill payment every month if you have something that is exactly the same every month like the bill that you have to pay on your mortgage.

Contact information is right there

The best thing about smart phone apps is that when you want to contact someone, you’re already holding a telephone in your hand. You can store contact information about the bill collectors for each bill in BillMinder iPhone mobile application so that if you feel like you need to contact them about something, all you need to do is tap your screen a few times and you’ll soon be on the line with them.

Final Score

As mentioned in the introduction, iPhone BillMinder app is not too flashy. It is structured, to the point and highly functional. It won’t win any awards for innovation or flair, but it will get the job done in a reliable way that is definitely needed when paying bills is the goal. Our final score for BillMinder iPhone app is 8 out of 10.

A Benji is also known as a Benjamin which in turn is also known as a hundred dollar bill. A hundred dollars is a lot of money by the reckoning of most people, but what makes this particular denomination special is the fact that it is often used in a general sense to mean a lot of money. That is what is meant by the name Save Benjis that is given to one of the best deal finding iPhone apps out there.

Find products with amazingly low prices

Although the entire database at Save Benjis iPhone app is not stocked with deals, the point of the database is to allow you to ferret out different deals through intelligent searching of the database. As a result, you should definitely be able to find many deals with this iPhone app that you otherwise would not have been aware of and that in turn should allow this app to save you a lot of money over the course of your shopping expenditures.

Extensive search categories

Because Save Benjis iPhone app wants to become the principle app to be used for this type of feature, it has product databases that cover an extensive list of different categories. Whether you want video games, toys, tools, hardware, sporting goods, software, photography, office supplies, music, movies, garden, health, computers, electronics, books, beauty, baby and/or automotive products, you should be able to narrow down your search right from the start. If you are just looking for general deals on good products however, there is also a default all category search option that lets you look through everything that Save Benjis has to offer.

Extensive search options

As stated above, the main point of the Save Benjis mobile application is to allow you to search a database of products in order to find the best deals that those products have to offer. In order to facilitate this purpose, Save Benjis app for iPhone has what is likely one of the most if not the most extensive array of search options out there. You can search by more than a dozen different criteria in the advanced search and even set the system to come up with potential hidden gems for you to analyze closer.

Final Score

Save Benjis iPhone app is a feature-rich program that we have not even begun to scratch the surface on because of how many different things you can do with it. We’ve given it a final score of 10 out of 10 and a definite recommendation for download if these types of apps appeal to you in general.

Mint.com App for your Apple iPhone

Summary

Mint.com has become one of the most important financial websites of the day because of what it has the ability to do. All you need to do is use mint.com to enter your banking and investment information and you can log into your account in order to get an instantaneous breakdown of everything that is available to you in terms of your financial situation. This is a great application but it has not been particularly good as a mobile website until the introduction of the Mint.com app for the Apple iPhone. With this iPhone app in place, you can do all of your mint.com interaction right on your Apple iPhone whenever you want.

User Interaction

Interacting with the Mint.com for iPhone app is very easy to do. Essentially, you need to give it information about your cash, your credit cards and your investments. At the end, it is not uncommon to have information showing about your checking and savings accounts as well as information about your current credit card balances as well as any investments that you currently have. You need to give mint.com all of that information and then simply sync it up with the mint.com iPhone app in order to get an up to date snapshot of your financial situation no matter where you actually are.

User Interface

Using mint.com applications for the iPhone is easy, but interpreting the results is even easier. The interface is simply a number of tables that will show you a description of the financial account in question and then a balance that is on that account. It defaults to green being positive balances and black being negative ones, although there is also a minus sign in front of negative balances so that there is no confusion whatsoever on what is actually going on with your financial situation.

Utility and Productivity

This iPhone app is absolutely one of the most useful around. For starters, once you have actually entered all of your information into the various screens, you can actually get information about your overall financial situation. In other words, the software will add together the value of your accounts, your credit cards and your investments in order to compute your total net worth. That is certainly a valuable figure to have and the ability to refer to it whenever you want is absolutely startling.

At the same time however, having all of the constituent balances at your fingertips is great as well. Do you want to know whether you should keep that money in your checking account or transfer it to your savings account?  Well, take a look at both balances on your iPhone before you decide!  The same thing goes with paying credit card bills and adding to your investments, all of which are important facets of modern life.

Rating

We absolutely love this Mint.com for iPhone app because of how applicable it is to modern life. For that reason and because of the absolute smoothly running machine that this iPhone app represents, we will give it a rating of 9.5 out of 10.