Izvo zvibvumirano zvaunoda kuchengetedza mari uye kutarisira zvikwereti zvako
Kune huwandu uye huwandu hwehuwandu hwemari uye mari yekuchengetedza mari (uye maitiro!) Kunze uko, asi mushure mokunge tapfuura nevana makumi maviri kubva pane zvakasarudzwa, takasarudza pane zvinomwe.
Chimwe nechimwe chine simba rayo uye tave nechokwadi chekusimbisa kuti zvikubatsire kutora izvo zvakakunakira iwe.
01 of 07
Mint
Iri purogiramu, kubva kune vanoita e-filing site / software TurboTax, inokubatsira kuti uwane mufananidzo wakajeka wemari yako yese pane imwe nzvimbo. Kana ukangopinda, iwe unoshandisa mabhengi ako ose ebhengi, maakareji emari uye makadhi emakadhi echikwereti, uye Mint inopa muongorori wemabasa uye zviyero kune vose zvavo, kusanganisira mairafu anoshandura mari yako muzvikamu. Ruzivo rwako rwakabvumirana kune dheksi uye app mobile, saka unogona kuwana zvakanyanya-kusvika-zuva maonero emararamiro ako eakaita pasinei nokuti uripi.
Kunze kwekutaridza zvose zvine chokuita nemari yako mune imwe nzvimbo, chirongwa cheMint chinokubatsira kuchengetedza mari yako nekupa bhajheti maererano nemari yako uye nekupa chikwereti chako chikwereti pasina. Iwe unowanikwawo zviyeuchidzo nezvemazuva anozouya mushure mekufanirwa kwemazuva, uye unogona kubhadhara zvikwereti zvako zvakananga kubva purogiramu pafoni yako uye pakombiyuta.
Zvechokwadi, unogona kunge usingadi kugovera zvose zvehutano hwekodha yemari kumushandi weMint, asi basa rinoshandisa nzira dzekuchengetedza sezvizhinji-chechokwadi kuvimbika kuchengeta mashoko ako akachengeteka. Uyezve, Mint inoshandisa zvinhu zvakasiyana-siyana zvakanyanyisa uye software yekuvharidzira kuchengetedza mazita ako ose okutumira maaka ega ega edzimari akachengeteka.
Best for:
- Budgeting
- Kuramba uri pamusoro pezvikwereti
- Kuwana mufananidzo wakajeka wehutano hwako hwehutano
- Kwose mari yekugadzirisa mari
Mariro: Free
Mafurati:
- Android
- iOS
- Browser
02 of 07
Iwe Unoda Budget (YNAB)
Zvinogona kutarisa kufungidzira kubhadhara mari kubasa rekukubatsira kuti uwane chikwereti, asi Unoda Bhijititi (kazhinji inopfupiswa kuYNAB) ine vazhinji vevatsvaki vanotsvaga pamusoro pekuita kwayo.
Kana ukangozonyora uye ugobatanidza nheyo dzako dzose dzezvemari, YNAB inokubatsira kuti urambe uri munzira nekukubatsira kuti uise zvinangwa uye uchichengetedze pane zvaunofambira mberi kana kure kure nechinangwa ichocho chichakanganisa yako chikwereti chepamusoro. Kufanana nemamwe mapurogiramu munyaya ino, Unoda bhajeti zvakare inoputsa mari yako mumarati nemagrafu, zvichikuita kuti uone kuti unopedza mari yakawanda sei pane zvekudya, kumba, "kungofara" nezvimwe.
YNAB yeruzivo rwebhajeti ndeyekuti iwe unofanirwa kupa dhora rose iwe une basa, uye uriisa kuti rikushandirire iwe nekuisa mberi kwaunoda mari yako. Iko Unoda Budget desktop site inosanganisira zvakawanda zvekubatsira kuti udzidze zvakawanda nezvekuderedza chikwereti chako, zvakadai semavhidhiki evhiki nevhiki, makirasi eIndaneti, podcasts nezvimwe.
Mariro: $ 4.17 pamwedzi, inokwererwa gore negore pa $ 50. Cherechedza kuti basa racho rinobatanidza chivimbiso chemari shure kana iwe usingafariri kuti iri kukushandira iwe, uye iwe unowana kuedza kwemazuva 34 semusikana mutsva.
Best for:
- Budgeting
- Kubuda chikwereti
Mafurati:
- Android
- iOS
- Browser
03 of 07
Clarity Money
Ichi ndicho chimwe chivimbo chakasimba chekugadzirisa mari yose, neyakawanzo chekutsvaga kushandiswa kwemari yako kune dzimwe nhoroondo. Iyo inopa zvishomanana zvishandiso zvakasiyana-siyana zvakare, zvakadaro, zvakadai sokukwanisa kubvisa kusafarirwa kwekusafarirwa kwepakombiyuta (uye kungoona mabhadharo aunayo pakutanga) nechinangwa chokukuchengetedza mari. Iyo inoratidzawo chero zvikwereti zvaunayo zvinogona kutaurirana, uye zvinogona kuongororwazve zvekutengesa kwezinga rezasi panzvimbo yako. Zvinonzwisisika, iwe unogonawo kutumira mari pakati pekuongorora nekuchengetedza kwekodhi zvakananga kuburikidza ne app.
Kana uine chikwereti, Clarity Money ichapawo mazano ekugadzirisa nayo nemakadhi emakwereti, uye zvisinei pasinei nokuti une chikwereti basa rinozopawo makadhi ekukweretesa zvakanakisisa nokuda kwako maererano nemamiriro ako emari uye kushandisa maitiro.
Chimwe chinhu chinoshamisa: App inoita kuti iwe ugadzire kari yekuchengetedza iyo inongobva kubvisa mari kubva ku-akhawunti yako. Kakawanda, Clarity Money inoratidzika kurarama maererano nemari iyo inofanirwa nayo - semutevedzeri wevatengi - nokupa zvinhu zvakawanda zvakasiyana, zvinobatsira. Cherechedza kuti sekuparidzira nguva, purogiramu yacho yakanga isati yavapo kuIndaneti, asi kambani yacho yaiti yakanga ichiuya pachikuva munguva yemberi.
Mariro: Free
Best for:
- Kwose mari yekugadzirisa mari
- Kuchengetedza mari
- Kucheka kuparadza kushandiswa
Mafurati:
- iOS
04 of 07
Acorns
Iyi purogiramu ine tateti "shandura spare change," uye inokubatsira nekuita izvo chete. Kuti uitange, unosungira makadhi ose uye nhaurirano dzaunoshandisa kuitenga nechokuita, ipapo iwe unoshandisa iwe sezvaunowanzoita. Iyo Acorns app ichazongotenderera zvigadzirwa zvako kuenda kune imwe nzvimbo yehuroro, asi pane kupa mutengesi iwe waita bhizimisi nemamwe mari yakawedzerwa, ichaisa mari iyo inoshandiswa mune chikwereti chepamusoro pezvikwata zvinopfuura 7,000 nezvisungo. Mhedziso ndeyokuti nekufamba kwenguva, mari shoma yaunoshandisa kubva pakukwirira kusvika kune chimwe chinhu chakakosha.
Mukuwedzera pakuisa mari yekushandura kwekushandura kwekugadzirisa matanho ako kusvika kudiresi iri pedo, unogona kugadzirisa zvikwereti zvinowanzoitika zvema dollar chai neAcorns. Izvi zvinogona kuva pane zuva nezuva, vhiki nevhiki kana kuti pamwedzi. Iwe unogona kubvisa mari kubva kubhuku rako panguva chero ipi zvayo usina mutero, uye purogiramu yacho inongodzorera zvakare zvikamu zvako kwauri.
Iyo Acorns app inodzivirira data yako ne 256-bit encryption, uye iwe unodzivirirwa kusvika kusvika $ 500,000 pakurwisana neukandimire, kuitira kuti iwe unogona kunzwa wakachengeteka paunenge uchishandisa iyo iyi yakasiyana-siyana yekuchengetedza / yekuisa mari.
Mariro: $ 1 pamwedzi (makero e $ 5,000 kana kupfuura anokwereta 0.25% pagore, apo vadzidzi vekoroji vane chekuita .edu email address kuwana Acorns app for free)
Best for:
- Kuponesa
- Kupinda mukutsvaga mari
- Kuita zvakanyanya zvekutengesa kwako kwose
Mafurati:
- Android
- IOS
- Browser
05 of 07
Goodbudget
Kana iwe uine ruzivo nemagadziro ekuvhara mabhajiro - izvo zvinosanganisira kuparadzanisa mari yezvikamu zvakasiyana zvebhajheti yako muzviputiki zvakasiyana-siyana-shanduro inoshandiswa neBruitbudget purogiramu inonzwisisika kwauri. Kunyanya, iwe unotsanangura humwe huwandu hwemari kuti uende kunzvimbo dzakasiyana-siyana dzekutengesa, uye chirongwa cheGoodbudget chinocherechedza kufambira mberi kwako uye kuti unoomerera sei kune izvi zvakagara zvatemerwa.
Imwe nzira inokubvumira kuti uongorore kuti wakasiya mari yakawanda sei pane chero ipi zvayo inopa "envelopu," uye inogonawo kutarisa mabheji ako emabhengi kuwedzera kune zviyero zvako pamadhora emari. Chimwe chinhu chinobatsira ndechokusarudzwa kwemashoko anonzi App Goodbudget anogona kuunza, kusanganisira mari kana kushandiswa kwemari yekushandisa nemavhopupe nezvimwe. Unogona kutora zvinyorwa seScV (spreadsheet) mafaira kubva pawebhu. Zvinonzwisisika, ruzivo rwemapurogiramu yose runonzwisiswa pakati pefoni yako nedesktop, kuitira kuti uone zvakanyanya kuitika kune dzimwe nzvimbo pamapuratifomu.
Iwe unogona kugoverana mazano pamwe nevamwe semhuri, iyo inonyanya kukosha kana iwe unonetseka zvikuru nekugara pamusoro pemari yemhuri.
Mariro: Free, kunyange bhuku reGoodbudget Plus premium rinowanikwa $ 6 pamwedzi kana $ 50 pagore. Iyi inobhadhara chikamu chepurogiramu yacho inosanganisira mabhiiyopu asina kukwana (iyo yega yega yega yega inogadzirisa iwe kusvika kune 10), zvisingagoneki mutengesi wekare, nhamba isingagumi yezvigadziriswa uye kugona kwekusimbiswa kwemajeri pane kungotsigira rubatsiro rwemagariro.
Best for:
- Kuumba nekunamatira kune bhajeti
Mafurati:
- Android
- iOS
- Desktop
06 of 07
Qapital
Kana iwe uchida kubatsirwa kubatsira kune chimwe chinangwa, Qapital inogona kunge iri purogiramu yako - kana kuti imwe yezvirongwa zvako. Iwe unotanga nokuratidza chinangwa, chakadai sezororo kana kubhadhara chikwereti chemudzidzi, uye app inokubatsira kuti uise mitemo yaunogona kungokubatsira kuti uwane chinangwa ichocho.
Somuenzaniso, kana uchida kuchengetedza nguva yezororo kuHawaii, sarudza kuti iwe uchadii kuisa parutivi rwendo, uye shandisa iyo Qapital purogiramu yekugadzirisa zviito zvakadai sekukwira kusvika kudiresi iri pedyo (a la Acorns app) uye kuisa mutsauko mukuchengetedza nekuchengetedza imwe chiyero nguva dzose paunorayira kutora. Iwe unogona kuisa purogiramu yako nekugadzira mitemo yako yakabva pamamiriro ako ega, pamwe-iwe unogona kuisa $ 25 yeggivha itsva iwe unoda nguva dzose kuenda kwaunotamba, semuenzaniso.
Kana ukangotanga naKapital, iwe unowanawo cheki chekuongorora uye kadi yebhengi inosunga purogiramu yekuchengetedza kwebasa. Saka Qapital inogona kushanda sebhangi yako, ine kukwanisa kuendesa mari pakati pekodha, kubhadhara cheki uye nezvimwe, uye pasina mari yemwedzi.
Mariro: Free
Best for:
- Kuchengetedza nechinangwa chairo mupfungwa
- Kushandura nzira yako yekuponesa
Mafurati:
- Android
- iOS
07 of 07
Budgt
Chimbo cheBudgt chinotora nzira yakasimba yekukubatsira kuronga kuti unogona kushandisa zvakadini zvinhu zvakasiyana-siyana, uye inokwanisa kuchengeta zvinhu zvakajeka zvakare. Iwe unongopinda mumitambo yakasiyana-siyana yezuva nezuva uye yemwedzi pamwedzi pamwe chete nemari yako, uye Budgt achaverenga kuti unogona kushandisa mari yakawanda sei zuva rimwe nerimwe.
Nemhaka yokuti iwe unogona kunge uchienda pamusoro pemari yakatarwa mumazuva mamwe, Budgt inopawo zvigadziriswa zvitsva zvichienderana nekushandisa kwako mumwedzi wose, nechinangwa chokukuchengeta mukutarisa kuitira kuti usagumisa kupera mari apo iwe wakaronga kuchengeta mari panguva yemwedzi.
Iwe unowana mamwe mazano akajeka paunoshandisa purogiramu pane nguva, zvakadai semashoko pamazuva aunenge uchida kushandisa mari yakawanda, nekufungidzira pamusoro pemari yakawanda ichasara pakuguma kwemwedzi. Iwe unogona kutumira zvinyorwa zvako zvegore negore seSVV file.
Ichi ndicho chimwe chezvinhu zvakanyatsoshandiswa zvinowanikwa munyaya ino, sezvo hazvipi sehupamhi huwandu hwezvinhu zvakadai semashandi akadai seMint. Sezvo zvakadaro, Budgt angangoshandiswa zvakanakisisa pamwe chete nehurongwa hwekushandisa mari yakawanda kuitira kuti iwe ugone kuita zvinangwa zvakasiyana-siyana zvemari.
Best for:
- Avo vane mari shoma
- Kubhadhara mari yakawanda asi kunyatsoronga bhajeti pazuva nezuva
Mariro: $ 1.99
Mafurati:
- iOS