The best personal finance software in 2018

Looking for better ways to organise your finances so you can keep an eye on just how much you are spending? Well, consider using an app. There are numerous personal finance apps available across the internet, that can help you easily keep on track of how much money you are spending each month. We give you a run through of some of the best available.

Debt manager

At some point or another, many of us end up in some form of debt. This might be that existing student loan you have, a mortgage or even an overdraft. Unfortunately for some, money woes about debt can end up spiralling out of control.

If you have a number of credit cards, bills to pay or your repayments for guarantor loans and are prone to get overwhelmed by money troubles, why not consider Debt Manager?

It helps make getting on top of your debts far easy than doing it yourself. It organises and tracks any money you owe, as well as including features such as your payment progress and how much you want to pay each month and how you can do this.

UK Salary calculator

Considering a new job? The UK salary calculator might be something you should download. Why? Well, it calculates on your behalf the take-home salary of any job you put it (it also takes into account your annual, monthly, hourly and daily wage. It will also take into account any existing loan repayments, tax contributions and pensions, and then compares the take-home salary between old and new positions. This can save a considerable amount of time, as doing this yourself can be extremely consuming – not what you need when you are on the job hunt.


Want to apply for credit, but a bit unsure as to how good your credit rating is? Some credit reference agencies will provide you with your credit file at a cost, or tend to be quite complicated. However, not Clearscore. Clearscore is an app that means you can access your credit report for completely free.  It doesn’t even need your bank details, that’s how easy it is! The app also updates you regularly on your score, such as if it has recently changed, as well as checking your financial information. It is FCA regulated and 100% secure.

Official HMRC app

Completely free, the official app from HM & Customs helps to make paying taxes a much easier task. It helps to give you estimations on how much you will need to pay as a UK taxpayer when it comes to National Insurance and Income Tax, as well as providing easy access to any HMRC forms you may need.


Available for free on both Android and iOS, this excellent app makes the process of paying back friends easier. This isn’t always the easiest of tasks – trying to remember all the sort codes and account numbers, or having to rummage through storage to find a card reader, just so you can pay back that taxi money. Well, the Payfriendz app takes away the hassle, enabling you to pay your friends in a matter of seconds.


Moneybox rounds up small purchases through an amount set by you, and this money is then invested in stocks and shares.


This very clever app calculates your monthly spending habits and then uses this financial information to work out how much you will be able to put away in a savings account – all without affecting your daily spending habits. How good is that? This money is put into a separate CHip account and accrues an interest of 1 per cent. However, the interest could reach up to 5 per cent if you recommend the Chip app to friends and family.

The Chip app is regulated by the Financial Conduct Authority too, meaning that your money is safely secured should the company go bust. it is compatible with the following bank accounts:

  • Metro Bank
  • Co-operative Bank
  • Lloyds
  • Nationwide
  • First Direct
  • HSBC
  • Barclays


if you are trying to keep a track of pension savings, the PensionBee app could be just the ticket for you. It helps to organise all your different pension pots and manages them, consolidating the pensions into one simple app with them all in one place. It is also completely free to use.


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<strong>What is Our Criteria For Applying?</strong> 
Every lender on our website has their own specific criteria by the basics are mentioned below and you must have a guarantor to be eligible. Simply select the lender of your choice and you will be taken directly to their website where you can apply. You will be required to submit your details including:<li style=”text-align: center;” data-mce-style=”text-align: center;”>Name (must be over 18 as the borrow, 21 or 25 as the guarantor)</li><br /><li style=”text-align: center;” data-mce-style=”text-align: center;”>Residence (your chances will improve if your guarantor is a homeowner)</li><br /><li style=”text-align: center;” data-mce-style=”text-align: center;”>Employment status (must be employed or on a pension)</li><br /><li style=”text-align: center;” data-mce-style=”text-align: center;”>Income (earning at least £600 per month and able to make repayments)</li><br /><li style=”text-align: center;” data-mce-style=”text-align: center;”>Monthly expenses (not have too many loans open or in major debt)</li>
You will then be asked to include the details of your guarantor and as mentioned above, this is usually someone who you know and trust and wants to help you with your personal finances. Ideally, a guarantor with good credit will maximise your chances of being approved based on the idea of ‘if someone with good credit trusts you, well we can too.'<strong>How Much Can I Borrow From Guarantor Loans?</strong>Guarantor Loans gives applicants the chance to borrow £500 to £15,000 depending on the lender. Some lenders we feature like Buddy Loans only have a maximum loan value of £7,500 and TFS Loans is the only lender that stretches up to £15,000.Factors that can influence the amount you can borrow revolve around having a good guarantor. One that is a homeowner, with solid employment, income and good credit rating will maximise your chances of borrowing the largest drawdown possible.The lenders featured on Guarantor Loans see a homeowner as someone who has already gone through the rigorous process of credit checking and affordability and if they can afford a house, they should be able to act as a guarantor for you.By comparison, having a guarantor that is not a homeowner offers slightly less security and means that amount you can borrow is slightly less too.Higher amounts may be available to those who already have a better than average credit rating, are homeowners themselves and a repeat customer with the lender who has already paid their loan on time. To apply directly with your lender of choice see <a href=”” data-mce-href=””>direct lenders</a>.<strong>What Does The Guarantor Have To Do?</strong>Upon completing an application, the lender will typically send you a <a href=”” data-mce-href=””>pre-contract loan agreement</a> and SECCI (Standard European Consumer Credit Information form) which will highlight the terms of your loan. You and your guarantor will be required to review the terms of the loan, including the loan drawdown, fees, repayment dates and responsibilities – and this can be signed via an online verification process using your email and mobile phone.The lender will usually carry out an individual phone call with you and your guarantor to ensure that you both understand the responsibilities and what is required of you – notably that if you cannot make repayment, your guarantor will be required to pay on your behalf. Further to some additional credit and affordability checks, funds can typically be transferred within 24 to 48 hours (or sometimes on the same day).<strong>Are Guarantor Loans Available For Bad Credit Customers?</strong>Yes, even if you have a history of adverse credit, <a href=”” data-mce-href=””>CCJs</a>, bankruptcy or IVAs several years ago, you can still be eligible. The idea is that you are using your guarantor and their financial history to ‘back you up’ and give your loan extra security. However, it is noted that your guarantor should have a good credit score and consent to co-signing your loan agreement.<strong>How Soon Can I Receive Funds?</strong>Guarantor Loans works with lenders that can facilitate funds within 24 to 48 hours of approval, or sometimes on the same day.When your funds are successfully transferred, most lenders working with Guarantor Loans will send the full amount to the guarantor’s debit account first. This is a standard security measure carried out by lenders to ensure that the funds are going to the right person and confirms the involvement of the guarantor. The guarantor usually has a ‘two week cooling off period’ where they can decide to pass on the money to the main borrower or they can change their mind and return the funds with no extra charges.