Here you will learn the difference between iBear apps and how to choose a personal finance app that suites your needs the best.

Define your goals

Why do you need a personal finance app?

Comprehensive Personal Finance Management
Money for iPad
Money for iPhone
Money is an application for the most comprehensive personal finance management. If you want to take your finances in debt with a lot of details, if you want to be able to build your budget, track bills, write down your transactions, specify your accounts and check comprehensive reports, this is the app that you need.

Pay Bills On Time
Bills for iPad
Bills for iPhone
Bills app is for those people who concentrate on calendar view of events and who care about their expenses happening on specific days. Bills app gives you access to a big calendar, where you can plan your upcoming expenses. No accounts and no budgeting is here, but easy to use interface with days marked green, blue and red to visualize your planned or missed expenses. This little app is very useful.

Limit Your Spending
Budgets for iPad
Budgets for iPhone
Budget Easy for iPad
Budget apps are meant for those people who make budgets. For example, you know that you are going to spend some money for eating out, some money for car maintenance, etc., and you spend this money over month. With budget apps you have growing bars, which indicate how much you have spent by now compared to how much you wanted to spend. If you exceed your plans, then the bars become red; otherwise, they are green. This sort of budgeting is helpful for many people.

Budgeting is not an easy task by definition, and some people want to start budgeting in any easy manner. This is the reason why we have released Budget Easy app. If you have never tried to make budgets, this is a good way to start.

Track Your Checking Accounts
Checkbook HD
Contrary to budgeting, some people concentrate on their accounts when working with their finances. For example, you have several accounts, and you want to know how much money is left on each of your accounts after you make a transaction. You may have a VISA card, Internet banking account, cash, etc. When you make an expense, or when you have income, you write down the transaction, and it changes the account. This is very useful to control your banks. Banks make mistakes, and by manual tracking of your accounts you make sure that you clearly know that what you have on your accounts is exactly what you are supposed to have.

Pay Off Your Debts
Debt End
Debt End is a well designed and thought out app that will help you rid yourself of debt for good. It does this by showing you where you stand from day to day, and helping you to work out a fast and effective debt clearing strategy based on the successful Snowball Method.

Analyze Your Cash Flow
Cash Flow HD
This app is for those, who think of their finances in terms of Cash Flow. Cash Flow HD is an application, which you use to track Expenses and Income by Categories, control your spending.

Money app combines Budgets, Bills, Accounts, Cash Flow
Think of Money app in a way as if Budgets, Bills, Checkbook HD, and Cash Flow HD are its parts. Four apps listed above combined form Money app.
It doesn’t automatically make Money app the best app for you. It really depends on what features you are looking for. For instance, if you need to have your bills paid on time, choose Bills. The beauty of Bills is in its simplicity. The app does less, but does it perfectly. The same is true for Checkbook HD, Budgets, and Cash Flow HD.

Compare features

Do you need sync, password protection, export, or some other specific features?

	Money	Bills	Checkbook HD	Budgets	Cash Flow HD	Budget Easy	Debt End
Categories	+	+	+	+	+	+	+
Expenses	+	+	+	+	+	+	+
Income	+	-	+	+	+	-	-
Budgeting	+*	+	-	+*	-	+	-
Calendar	+	+	-	-	-	-	-
Plan / Overdue / Paid	+	+	-	-	-	-	+
Recurring	+	+	+	+	-	-	+
Notifications	+	+	-	-	-	-	+
Accounts	+	-	+	-	-	-	-
Reconcile	-	-	+	-	-	-	-
Assets\Liabilities	+	-	-	-	+	-	+
Reports	+	-	+	+	+	-	+
Cash flow	+	-	-	-	+	-	+
OFX Import	+	-	+	-	-	-	-
Export	+	+	+	+	+	-	-
Snowball	-	-	-	-	-	-	+
Sync	+	+	+	+	+	+	-
Backups	+	-	-	-	-	-	-
Receipts	+	-	-	-	-	-	-
Consider platforms and pricing Are you going to use it on your mobile device only? Do you need a Mac version? Do you want your spouse to install an app on his or her Android as well?
	Money	Bills	Checkbook HD	Budgets	Cash Flow HD	Budget Easy	Debt End
iPhone	$9.99	$0.99	$1.99**	$0.99	$1.99**	-	$1.99**
iPad	$9.99	$3.99	$1.99**	$1.99	$1.99**	$1.99	$1.99**
Mac	ON SALE!	$9.99	-	-	-	-	-
Android	$1.99	$0.99	-	-	-	-	-
WP7	-	-	$4.99	-	-	-	-
* – Advanced ** – Universal iOS app (iPhone and iPad versions combined in one app)