Review Personal Finances
Budgeting app with multiple accounts and cards
Author: Tariq Abdulla
Date: 17 Apr 2017, tested on HTC One S
Clean interface, multiple accounts, set up recurring cash flows
Limited features in free version, needs more graph types
Personal Finances for Android is a budgeting app in which you can set up multiple accounts and credit cards to help keep track of your budgeting. To each account you can add expenses or income, which can be one-off or recurring. You can also set up transfers between your accounts and cards. I imagine it could be a useful app if you move your money around in different accounts, but to seems like too much extra work. However, it would be a decent tool for projecting a short into the future, if you are saving up for something.
In the free version you can create two bank accounts. Adding credit cards requires a premium subscription which costs $1.92 per month, and can be cancelled at any time. A somewhat cheeky aspect of this is that the app lets you try to add a credit card, before telling you that you need a subscription. The free version is also limited to 16 expenditure/income categories ("Transport, Salaries" etc), of which 15 are already filled. But you could go into preferences and delete some of the existing categories.
Personal Finances summarises your information in terms of what percentage of your income you spent this month. It also has a calendar view to check your income and expenditure across different months. You can backup your data to online to have the ability to restore it, and you can also set a numeric pin for the app if you don't want other people peeking into your finances. It would benefit from a greater range of chart types however: pie charts to break down expenditure type, and line charts to track your balances over time. Without these summaries, it's easier to keep an eye on your accounts by checking them online.