Financial Literacy Mobile Apps

Use Your Mobile Device to Help You Save
Shopping Spree Blackmail!
  • Use your Facebook community to curb your shopping addiction! Just tell IFTTT what your shopping weakness is, then whenever you set foot inside that store, a photo is published to your Facebook feed letting your friends know you’ve crossed the line.

MOM! I need a Curfew!
  • If your budget busters tend to happen late at night after a few adult beverages, it’s time to enlist the help of Mom. With this recipe, any time you check in to a nightlife spot, an email is automatically sent to your mom, letting her know she needs to call you at 7 a.m. the next day to remind you of your savings goals.

Tweet When Shopping!
  • This recipe sends an SOS tweet when you shop outside the lines.

Splurge “SOS!”
  • No more online splurging with flash sales! When a new email is delivered to your inbox from a favorite store, the Facebook world learns so they can help stem the splurge.

Pay My Rent!
  • This one is a no-brainer! Set up a text alert that reminds you when you pay your rent. No more late fees!

Keep Your Mind on “Your Money”
  • Stay up-to-date on the latest personal finance news. This recipe sends you all the New York Times “Your Money” articles when they’re published.

Save Money with Friends!
  • If you’re about to make a bad shopping decision, this recipe knows and it lets your Group Me friends know too. Watch your phone blow up with reminders to step away from the cash register.

I Shortened My Shopping List!
  • Let your Facebook friends know when you’re doing the right thing too! This recipe posts to let the world know when you remove something from your Amazon shopping list.


Allowance-Chores
Keep Your Financial New Year’s Resolutions With Apps & Your Phone
  • If you need help keeping your New Year?s Resolutions for money and finances in 2012, consider turning to your iPhone or Android smartphone for help. These powerful companions will do better than a rubber band on your wrist or freezing your credit cards.

Jump Gap Softwar
  • Put piggy banks and paper money behind you! iAllowance is the only thing you need to manage your child’s finances and teach him or her about saving and spending money. Whether you want to set up a weekly allowance or pay out a special reward, iAllowance handles everything for you with an eye-pleasing and easy-to-use interface.


Kid-piggy-bank
By CC Studio
  • There are more and more parents who pay much attention to their children’s money education. If parents can begin their money education for their kids early then these kids will not prone to squandering their money


Mobile Banking App (Free)

Ask your financial institution if they have a mobile banking app. You can use it to check available balances, pay bills, and transfer funds on-the-go 24/7.


Bloomberg Mobile (Free)
Bloomberg
  • Wall Street Traders swear by the Bloomberg Terminal to analyze real-time financial market data, place trades, and get news and price quotes. Bloomberg Mobile isn’t quite the same thing but it is a beautifully designed app that provides up-to-the-minute news, stock quotes, company descriptions, and price chart and market trend analysis. The My Stocks feature is a more detailed replacement for Apple’s stock Stocks app. And Bloomberg Mobile takes full advantage of the iPhone’s position sensor by providing larger charts when you rotate the phone to a horizontal position.


Day Bank ($3.99)
Quantum Quinn
  • Day Bank is a pocket-sized check register that has been built specifically for the iPhone with a number of features that take advantage of the phone?s capabilities. Unlike the others included here, Day Bank seems particularly suited for entering transactions on the go and tracking your cash spending. Transaction entry is particularly speedy and the app uses the iPhone?s camera to capture images of receipts or purchased items. I like the ability to easily filter the view by day, week, and month. Day Bank isn?t as full featured as its competitors and currently can?t serve as your primary money manager due to its inability to reconcile transactions but it is improving rapidly and in its next version will support transaction geo-tagging, the ability to rename categories, QIF, CSV, & XML export, WiFi backup and restore and more.


Financial Football
Visa Inc.
  • The NFL and Visa have teamed up to create this engaging, interactive game, designed to improve financial literacy. With Financial Football, you can test your money management skills by answering financial questions. Correct answers will allow you to move down the field and score touchdowns. Fast-paced, fun and challenging for all ages, the game has three levels of play and puts you at the center of the action ? giving you the ultimate personal finance workout. Challenge yourself, your friends or your class. It?s available for to play on your iPhone, iPod touch, iPad or at the Practical Money Skills website. It?s not whether you win or lose. It?s what you learn when you play.


Financial Literacy Apps
CollegeKidApp.com
  • Ever feel yourself unsure about money management? Wish you knew more about different types of credit? Maybe you’re worried about possible identity theft?

    Quiz pages updated to make internet requirement more clear.


Google Finance
Google Finance App
  • From personal finance news, to real-time stock quotes, to personal portfolio tracking, the Google Finance Android App brings the best of Google Finance to your phone. It’s a one stop shop.


Loan Shark ($4.99)
FoggyNoggin Software
  • Designed to help you navigate the often treacherous waters of financial lending, Loan Shark provides a number of features that let you calculate and compare loans from different vendors. You can calculate any component of a loan, including payment, interest rate or loan amount, see the full Amortization Table for the loan?s lifespan and play with ?what-if? scenarios that let you determine the effect of making extra, higher, or lower payments. Loan Shark can help you determine how long it will take to pay off that credit card, determine how close you are to paying off your mortgage, and compare the cost of different loans, among many other uses. Kudos to FoggyNoggin Software for an easy-to-use and good looking interface that works well on a mobile device.

    Bonus feature: Lets you locate nearby banks using the iPhone?s location-awareness


OurGroceries
OurGroceries
  • This is no ordinary grocery list. You can sync lists with other users so that if, lets say, your husband or wife remembers while at work that you are out of Bell?s Oberon beer, they can add it to the list and it will auto-sync with your shared list (thus avoiding multiple trips to the store). But one of the best money-saving features is that you can save your list for different stores. I highlighted making unique lists for each store you visit as one of the 4 keys to saving money on food and groceries without sacrifice. This app can help you do just that.


Pennies ($2.99)
Design By A Knife
  • Pennies is a slick expense tracker with an interface that looks like it could have come straight from Apple. It doesn?t pretend to be a full-featured money manager like SplashMoney or PocketMoney but what it does do it does exceedingly well. It lets you quickly establish a monthly budget and record and track your daily expenses against it. Large finger friendly buttons and fun features such as a fuel gauge that indicates how much money is left in your budget make Pennies a joy to use. If you still rely on cash for your daily purchases and only want to make sure you are meeting your budget goals, Pennies is a good choice.


PocketMoney ($9.99)
Catamount Software
  • This venerable mobile checkbook first appeared 14 years ago on the Apple Newton and has since been available on Palm and Windows Mobile devices. Long time PDA users transitioning to the iPhone and former Quicken users alike will welcome its powerful approach to tracking your finances. PocketMoney can track an unlimited number of accounts, can auto-complete transactions based on payee, and will generate expense reports and pie charts. PocketMoney can import database files from the Palm version and also Quicken Interchange Format (QIF). You can even sync these files over a WiFi network using a free desktop app.


ShopSavvy
Big in Japan
  • ShopSavvy was the first bar code scanning app for the Android, and remains the most popular app to this day. You basically hold up a bar code, scan it, and then a list of local and online prices are used for comparison to find out whether or not you are getting a good deal. According to ShopSavvy developer Big in Japan, their app is used by more than 5.5 million users around the world providing access to more than 20,000 retailers and 20,0oo,000 products.


SplashMoney ($9.99)
SplashData
  • SplashMoney is another mobile checkbook that is well known from its implementation on Palm and Windows Mobile. SplashMoney allows you to track different account types: checking, savings, credit card, cash, asset, liability, money market and line of credit. You can create a budget and track and analyze your spending with customizable reports and charts. SplashMoney bests PocketMoney by connecting wirelessly to many online US banks using the same DirectConnect service as Quicken and Microsoft Money. In order to sync with the desktop, you?ll need to purchase the desktop version of SplashMoney separately.


Tiptap (Free)
Made With Bananas
  • More traditional but no less useful is the free Tiptap which is one of the most straightforward tip calculators I?ve seen. Featuring a large custom keypad and a large picker wheel, it?s extremely finger friendly, a plus when when your dining companions are tapping on their wallets and waiting for you to tell them how much they owe. You can choose to enable rounding, splitting, or tax support and Tiptap works with multiple currencies and multiple languages (English, French, Spanish, Italian, Dutch, German, Swedish and Japanese).


Tipulator (99 cents)
Tap Tap Tap
  • Tipulator stands out in a crowded field of tip calculators (it?s often said that the true test of how successful a new platform will be is how quickly a tip calculator appears for it) by marrying cute graphics with easy-to-use number dials. You can probably split the check without it but you won?t have as much fun doing it. And for 1/3 the price of your last latte, you owe it to yourself to at least try it.

Financial Literacy Web Apps

Billeo
Billeo
  • If you have more monthly bills than you can count on one hand, then you probably have trouble remembering what’s due when. With the PCMag Editors’ Choice?winning Billeo, you can manage your bills, track purchases, and store any online transaction information, including passwords, making online bill payment and shopping an effortless affair. The Bill Pay feature works by using the provided online Fill Form to store your payment information for any company Web site. Billeo then sends you payment reminders, stores payment receipts or confirmation pages, and provides transaction reports to track your expenses and gather tax information. The Billeo Shopping Assistant works on many popular shopping sites such as Amazon.com and BananaRepublic.com by saving your online receipts and reporting your shopping purchases. Currently, the app is compatible only with Windows systems.


BillShrink
BillShrink
  • Guess what? You may be paying too much for your cell-phone plan! That credit card in your wallet may not be providing you with the best reward offers, either. Enter BillShrink, a savings tool for cell-phone plans and credit cards. BillShrink finds the wireless plans and credit cards that would work best for you by comparing them with the competition, and tells you how much money you’ll save by switching. To get started, select which bill?cell phone or credit card?you want to shrink. Next, enter some details about your usage. We inputted information about our Verizon account to see which plans among the other carriers BillShrink would recommend. The results: BillShrink found eleven currently available wireless plans that would save us up to $600 over two years through Sprint and T-Mobile. On March 24, 2009, BillShrink added gas prices to its savings tool offerings.


Buxfer
Buxfer
  • Buxfer isn’t just a Web-based account for setting budgets and tracking your expenses. It also lets you keep all of your bank accounts updated in one place and track IOUs or payments. The online dashboard displays your account balances, budgets, available spending, and upcoming bill reminders in an organized table for easy perusal. More recently, Buxfer made available the ability to set different spending limits for different months, as well as enter tax returns and refunds in your budget. All of your information can be stored on your local computer and not on Buxfer’s server, for your privacy. View your Buxfer account on your iPhone, BlackBerry or other mobile device while on the go, and send short text messages to the service—a convenient way of reporting recent transactions or querying your balances. Even better, access Buxfer by downloading the Facebook, iGoogle, or Mac OS Dashboard widgets.


Intuit Quicken Online
Intuit
  • If the idea of using personal finance programs like Quicken Home & Business 2009 intimidates you (not to mention putting a denting in your wallet), then you may be better suited for the online free version of Quicken. Intuit Quicken Online automatically organizes your financial accounts—including checking, savings, investments, loans, and credit cards—and updates your information once a day. When bills are due, you’ll receive automatic reminders via e-mail or text message to avoid late fees, and you’ll know exactly how much you’ll have left at the end of each month for budgeting. Even more, you can check your bank balances from your iPhone or other smartphone.


Rudder
Rudder
  • If watching your dollars closely isn’t your thing, then you need an app that will do the monitoring for you. Rudder monitors your income and expenses, delivering daily financial information to your e-mail so that you don’t even have to log on to the site to check your bank accounts! Plus, Rudder helps you plan for future spending and keeps your spending under wraps. Here’s how it works: After signing up, you give the service the information it needs to access all your financial accounts. Next, you add your monthly bills so that the service can notify you of any that are due soon and calculate what you have left to spend. Once you’ve entered your billing info, you fill in your monthly income, tell the service how frequently you want e-mail updates, and you’re done. PCMag gave Rudder 3.5 stars out of 5 for keeping financial tracking simple.


We gathered the apps for informational use only. For more information on these and other apps visit:




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