GoldNest

What is it

One of the few serious products in this pile: an expense tracker people actually use. Say a sentence or snap a receipt and the entry is logged and categorised; monthly spend, recent trend and a forecast sit on the home screen so you never do the maths. The sharp bit is the Bill Checkup — upload a bank statement and it pulls out every quiet recurring charge you forgot about and tells you which subscriptions to kill. That part needs no signup and is free, and the iPhone app is free too.

Highlights

• Log by text, voice or photo — categorised automatically
• Spending insights: monthly totals, recent trend and forecast, computed for you
• Bill Checkup: upload a statement to surface recurring charges and cancellable subscriptions (no signup, free)
• Deals at nearby stores, picked from how you actually spend