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Personal Finance Technology Analysis

Published 05/25/2012 and rated Ratingstars4 4 out of 5 stars
by Dorothy Distefano
What can you use the app for?

Finance41 is a personal finance app that allows users to track money flow. It assists with spending analysis and therefore budgeting.

Finance41 screenshot
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What is the history and popularity of the app?

There is no information on the site itself, Crunchbase, or found in a Google search regarding the founders or team behind Finance41, however site statistics indicate an average of 579 unique visitors per month.

What are the differences to other apps?

The simplicity of Finance41 is unique because it has more functionality than you would expect in a very compact and simple tool. Tags and subtags may both be used to track spending.

The downside is the way the instructions are not evident immediately. Also,when the "give feedback" button is clicked, a link to FAQ is offered. This leads to the user guide (as does the question mark on the application).

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How does the web app look and feel to use?

The app help guide is revealed by clicking on the question mark next to the first field. It would be advantageous to have this more visible because data must be added with certain symbols and tags to be interpreted properly.

To begin, a user may enter an amount in the @cash tab or create a tab such as @visa or @bank and enter the amounts. A tab will be created at the top that adds the amounts all together. The default date is the date the entry is created.

The user may then enter a transaction. The types via dropdown menu are: expense, transfer, income, balance reset. The next part of the transaction is the amount and description of the transaction. The user then indicates what account the transaction is from. Tags may then be added, so that later information may be sorted by tags. This will help when budgeting and evaluating expenses.

There is a "quick entry" option for adding information on-the-go. The question mark indicates how a transaction should be phrased so that it is interpreted properly. For example: @cash 500 will set the cash balance; -50 groceries #food will add an expense of $50 and use the tag food; 1200 salary @bank will add income to the indicated account; 100 @visa @cash atm transfers money from the visa tab to the cash tab. As the user enters the transaction, reminders pop up for how to enter the fast phrase.

Tag use may be viewed in line graph form to visualize spending in a particular category. Transactions may be viewed in a pie chart by tag as well. The data may be exported to Microsoft Excel in its entirety with two clicks.

Once learned, the app appears to be intuitive. The quick transaction takes practice and users will have to get used the way an entry is to be made.

How does the registration process work?

Clicking the link to try Finance 41 takes the user directly to the application. From there, clicking on "Save your actions (register)" initiates a dropdown menu requesting a valid email address and password.

No further action is required. The user may start using the app immediately or choose to install the Google Chrome extension if they use the Chrome browser. The extension allows access to the Finance41 account without leaving the webpage the user is currently viewing.

What does it cost to use the application?

The site is free. A PayPal Donate button is located in the header of the app.

Who would you recommend the application to?

This is an app geared towards individuals who want an easy way to manage personal finances with the ability to analyze and budget based on the data. The mobile site may viewed via QR code on the home page and all data may be exported to Excel.

  • The app is completely free to use
  • Easy-to-use interface
  • Use of tags for categorization
  • Transactions may be added quickly
  • Google Chrome Extension

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Finance41 pricing

FREE - Permanently free version

Mobile versions




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Finance41 on Facebook

Link to app information

Company blog