first direct vs Budget Expert App

Your everyday just got a whole lot easier. Even better banking has arrived. At the coffee shop, deciding if it’s a skinny soy latte or a cup of tea. In a taxi stuck in traffic, wondering how much you’ve saved for your trip to Machu Picchu. On a rollercoaster, planning the decorations for your dog’s third birthday party… Wherever you are, whatever you’re doing, our new and improved mobile app makes banking even simpler. From checking your balances and viewing transactions to paying family and friends, mobile banking takes all the hassle out of everyday money stuff. You can now do more than ever from the comfort of your own phone - and if that’s not exciting enough, this is just the start of our mini digital revolution, with loads more improvements on the way. So go on. Get yourself up to date. Update now >> • Free to use, but providers may charge for download and usage • Use in accordance with local laws and check charges if using abroad • Use in accordance with our App terms and conditions • Use in accordance with Apple terms and conditions • This app may be withdrawn at any time, but we’ll always keep you in the loop.

Budget Expert started as a simple spreadsheet — a way to save for family holidays without the stress of a lump sum. Book the holiday, pay a deposit, then put a little aside each month until it's paid off. Simple, effective, and surprisingly powerful. Now that spreadsheet is an app, and it works for any savings goal you have in mind: a family holiday, a wedding, a new car, a house deposit, or just a rainy day fund. You tell Budget Expert the total amount, any deposit you've already paid, and how often you want to save. It does the rest — calculating exactly what you need to set aside each week, fortnight or month to hit your goal. What makes Budget Expert different is what happens when life doesn't go to plan. Missed a payment this month? Mark it as missed and the app redistributes the shortfall across your remaining instalments. Got a bonus or a little extra? Add it as an ad-hoc payment and watch the future amounts drop. Only managed to save part of your instalment? Use the partial payment option and the remaining balance adjusts automatically. Your goal stays on track, whatever life throws at you. Features: - Set up savings goals for holidays, weddings, cars, house deposits and more - Choose weekly, fortnightly or monthly saving schedules - Tick off payments as you go - Mark payments as missed — the app recalculates for you - Make partial payments when you can only save part of the amount - Add ad-hoc payments when you have extra to put in - Progress bar shows exactly how far you've come - Dashboard overview of all your active budgets and total saved - Start free with 2 budgets, or upgrade once for unlimited Upgrade options: Unlimited budgets are available as a one-off purchase — no subscription, no recurring fees, ever. A Professional tier adds custom savings goal types, priority support, and access to every future feature as it launches, including shared goals with a partner, family member or friend.