Our selection of the six best applications to manage your finances

© Unsplash

This summer will be synonymous with departure for many on vacation. But with your bags packed and your journey in mind, you still need to have the means to treat yourself with peace of mind. To do this, it is important to manage your finances well and plan a budget in advance. And while many still use the traditional paper method, there are now even more effective mobile alternatives.

We tested six of them, which allowed us to identify their best advantages but also some disadvantages. In this comparison, we therefore suggest you discover them in detail, with images and reviews to support them. Here we go.

The best app to manage your finances on mobile.

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If you want to track your accounts in real time, Linxo is definitely the app for you. A reference in the field, it offers integrations with many different banks in order to identify, in turn, your expenses and your income. You then benefit from detailed graphs, allowing you to know where you stand at any time.

Linxo also allows you to create budgetary objectives and track your budget capacity. 8217;savings.  Available on both the Google Play Store and the App Store, the platform is currently free but also offers a paid version. The latter notably offers the possibility of creating your own expense categories.

Among our favorite features, we also appreciate the advanced search tool. This allows you to get your hands on a past transaction, according to its amount, category or date. In addition, Linxo offers an ingenious locking system with Face ID on iPhones, so that no one but you can access your financial data.

The best application to manage your finances with a dedicated bank account.

© Revolut

Revolut addresses a major problem with financial management apps like Linxo: their limited integrations. It is therefore not uncommon that, despite a hand-in-hand design with banking institutions, a few bugs remain. Thus, expenses or income are not always recorded correctly. But with Revolut, as this app is an online bank first and foremost, there is no mishap.

The platform first offers you to create your bank account, which of course requires some supporting documents. Then, you will receive a bank card at home. As soon as you use it, the associated movements will then be synchronized in the app. Here too, detailed statistics will finally allow you to consult the most important expenditure items, or even the growth of your income over the months.

With Revolut, you also benefit from key features such as budgeting, investing in the stock market and cryptocurrencies, and access to airport lounges. The ability to generate virtual cards is also very practical for managing your finances, since you can decide to assign one to each category of expenses.

The best application to manage your finances and save.

Bankin’ is often considered the first alternative to Linxo. There are very similar features, such as integration with many different banking establishments. With the app, you will be able to synchronize transactions carried out with accounts LCL, Revolut, La Banque Postale, CIC, Société Générale, N26, Yomoni, Natixis Interentreprises or even PayPal and Amundi.

You guessed it, the platform is not only capable of managing the finances of your current account, but also of your savings. What's more, the sleek design of the app is very ergonomic and it is relatively simple to use. A feature also allows you to manage your invoices by detecting all recurring expenses, which is ideal for avoiding unpleasant surprises.

With Bankin, you also have the possibility to apply for a loan in a few seconds. But that's not all, since the app also has a feature to save money regularly, automatically. You just have to define an amount to put aside each month, and the service will do it for you. No need to make the transfer manually.

The best application to manage your finances and optimize your budget.

Spendee looks a lot like Linxo and Bankin’. You can plan a budget effectively from your mobile, without necessarily having the mathematical knowledge usually necessary for this purpose. The app also connects to your bank accounts and can even estimate your future spending by analyzing past transactions.

With Spendee, on Android as on iOS, you also benefit from dark mode and detailed reports of your banking activity. To manage your finances, this app can tell you if your cash flow is increasing or not, or even if you are spending too much on food or travel. This way, you get insights that would have been difficult to track manually. Enough to save time, significantly.

The platform allows you to really understand where your money is going, for example to identify subscription charges that you forgot to cancel. Finally, note that Spendee has an average rating of 4/6 on the App Store, at the time of writing. This is excellent, and it matches the 4.7/5 rating on the Google Play Store.

The best app to track your expenses automatically with an associated card.

© N26

In Europe, N26 is perhaps Revolut's best-known competitor. The platform offers many alternative features, such as creating and managing bank accounts, editing virtual payment cards, and applying for credit online. Here too, of course, a dedicated feature is responsible for tracking your expenses in real time and categorizing them automatically.

The strengths of the N26 app are also its customer service and its web version. The former is very responsive and will be able to answer most of your questions, while the latter replicates a large majority of the options available on the mobile client. This is also accessible on iPhone and Android.

With N26, you can also create sub-accounts to put money aside. The establishment is not only intended for individuals, given that business managers also have the possibility of creating a professional account. There are paid plans and a free one, the latter doing the trick in many cases.

The best application to personalize your expense and income management.

Finally, we have selected an app that you probably already know, because it is also used in many areas. It is Google Sheets. This value proposition signed by the hand of Alphabet offers the possibility of creating spreadsheets as one would with Microsoft Excel, with however a serious emphasis on online editing. If you use Google Chrome on your computer, however, you can also edit your files without an internet connection.

The tables that you create with Google Sheets are automatically saved in Google Drive folders, so that you can access them from anywhere on your mobile. 15 GB of space in the cloud are offered to all users.

Tracking expenses and income can be limited to the goodwill of developers on dedicated apps like Linxo or Bankin’. But with Google Sheets, the only limit is you. You can create as many expense categories as you want, track as many accounts as you want… It's up to you to imagine your own matrix, and calculate all the metrics that matter most to you. and it's completely free, this time.

Google Sheets has recently also integrated Gemini's artificial intelligence. This can suggest the formulas to use when you don't know how to type them on the keyboard, a brand asset that quickly becomes indispensable.

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