With an intuitive interface this application is easy to get to grips with, without necessarily requiring you to understand money. You will need self-discipline, however, as no program can do that for you.

IngenMoney acts as a rolling calendar, displaying all relevant income and expenditure as they occur. You have to enter this information, of course, but once you do IngenMoney takes care of all the calculations.

It can cope with multiple accounts and currencies, and comes with a phone dialler, loan calculator and standard calculator.

Unlike other packages it can also handle two users, keeping both sets of information separate. Optional password protection ensures your private data remains private.