Looking for a UK app to track money

I’m hoping to find an app that will monitor direct debits, spending, income etc on more than one bank account and send out alerts if a purchase is going to mess up paying bills that are coming up, before more money goes in. I can’t seem to keep track of how much money I have compared to when bills are coming out. I’ve tried plotting it all on a spreadsheet but inputting every expenditure is time consuming and a faff. Is there an app that might help. I’ve read up on so many and can’t quite work out which ones might suit. Thank you! 

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  • blue.peter
    blue.peter Posts: 1,144
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    I use AceMoney. A free alternative that I've not used, but which looks as if it should be good is MoneyManager Ex. Both require either Windows or MacOS. The final version of MS Money is now free, but runs on Windows only.
  • kimwp
    kimwp Posts: 1,646
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    edited 5 February at 5:46AM
    You'll find it easier if you move your bills to the same date. I have nearly all of mine going out a few days after payday. 
    Or have separate bank accounts for bills and other spend. Then you can make sure there is enough to cover bills in the bills account and you know you won't have a bills issue if you spend from your spending account.
    Statement of Affairs (SOA) link: https://www.lemonfool.co.uk/financecalculators/soa.php

    For free, non-judgemental debt advice, try: Stepchange or National Debtline. Beware fee charging companies with similar names.
  • ColdIron
    ColdIron Posts: 8,677
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    AceMoney. I couldn't do without it. One off purchase fee, support for life. Windows and MacOS
  • 400ixl
    400ixl Posts: 2,643
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    ColdIron said:
    AceMoney. I couldn't do without it. One off purchase fee, support for life. Windows and MacOS
    Does it use Open Banking to sync accounts? It talks about downloading, but not clear on the mechanism.
  • ColdIron
    ColdIron Posts: 8,677
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    No, afraid not, I manually enter everything, it's only a few minutes a week  I've also just noticed the OP wants an App, it's not an app. Apols
  • sausage_time
    sausage_time Posts: 694
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    Have you looked at the Snoop app @blondie4281?   I have not used it personally.  I do have my own app that I have used for many years, and this seems to be somewhat similar.
    I’m a Forum Ambassador and I support the Forum Team on the Credit Cards and Budgeting & Bank Accounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected].
    All views are my own and not the official line of MoneySavingExpert.
  • Doshwaster
    Doshwaster Posts: 6,119
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    I've been using MoneyHub for the past few months after switching away from MoneyDashboard when it closed down. It's not perfect but it does most of what I want, there is a web and mobile interface and it comes with a 6 month free trial - then only £15.99 a year after that. I will be happily paying it when my trial ends.


  • SamDude
    SamDude Posts: 415
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    I've been using MoneyHub for the past few months after switching away from MoneyDashboard when it closed down. It's not perfect but it does most of what I want, there is a web and mobile interface and it comes with a 6 month free trial - then only £15.99 a year after that. I will be happily paying it when my trial ends.


    It's £14.99/year (iOS) - unless it's gone up recently?
  • ozaz
    ozaz Posts: 315
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    Emma and Snoop are worth trying. I prefer Emma, but its only free if you don't need to connect more than two financial institutions.
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