When comparing Mint Bills & Money vs Home Budget with Sync, the Slant community recommends Mint Bills & Money for most people. In the question“What are the best personal finance tracker apps for Android? ” Mint Bills & Money is ranked 7th while Home Budget with Sync is ranked 10th. The most important reason people chose Mint Bills & Money is:
This application gains more than the read only access of most finance tracking applications with the ability to pay bills right from the application. This may be a security concern for some people but the ability to pay bills all from one place is extremely convenient if your financial institution supports it.
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Pros
Pro Ability to pay bills all from one place
This application gains more than the read only access of most finance tracking applications with the ability to pay bills right from the application. This may be a security concern for some people but the ability to pay bills all from one place is extremely convenient if your financial institution supports it.
Pro Calendar view for bills
The calendar view is a fantastic feature to overview all incoming bills due dates and plan the month.
Pro Free to use and pay bills without advertisements
It is free to pay bills with Check if paying from a bank account or debit card. Credit cards add a 4% service fee. If an express bill payment is needed, the cost is $7.
Pro All accounts and bills in one place
Being able to view all accounts and bills in one place is extremely convenient for planning a budget or just managing finances.
Pro Notifications for upcoming bills, nearing credit limits, and low funds
Mint Bills & Money will send a notification for upcoming bills, approaching credit limits, or low funds.
Pro Android Wear support
Check is one of the first finance applications to offer Android Wear support with which users can take action on Check alerts and notifications.
Pro Secure
Mint Bills uses bank level security as well as other security features such as PIN-locking and data wiping. They are also monitored by outside companies such as Norton and TRUSTe.
Pro Extensive list of usable accounts
Checks auto bill paying feature is comparable with a very large list of accounts. It can even manage mortgages and utilities.
Pro Backup to Dropbox automatically in regular intervals
You only have to enter your Dropbox sign-in data and backups will happen automatically.
Pro There is a free (lite) version for you to try before you buy
Free version does not have the option to synchronize across multiple devices, but you can try all the options.
Pro Easy to use, fast to enter data
You even have Android widget that helps you enter your expenses in 4 taps (start, amount, account, expense category).
Pro Multiple accounts, multiple expense categories and subcategories
You can have as many accounts you want (and you can group them - either by currency or by type: credit cards, cash/wallets/envelopes), as many expense categories you want and subcategories (only 1 level in depth).
Pro Multiple platforms
Android, iOS, MacOS, Windows, Kindle.
Pro You can set up multiple user accounts
The whole family uses the same database which synchronizes in the background.
Cons
Con Delay before bill is paid
Check takes two day to process the bill payment before it is paid. Check should help you stay on top of your bills so that you pay them early but if you don't you can make an express payment that pays in about 24 hours. Although the express payment costs $7 so it is best not to procrastinate.
Con Financial coaching features are not very useful
The visuals and analytics in Check are not as useful as they are in applications such as Mint. There is no way to set up a budget and there are not many ways to better optimize your spending. Check is best at what it was designed to do from the beginning: bill paying.
Con Support for only the US
Check currently only offers support for the United States.
Con Mixing different currencies in reports
It has a problem with adding up amounts in different currencies when making reports.
Con Very few reports
Reports are very simple, but you can export data (send to e-mail) into CSV format and use some reporting tool like Power BI (which is free and very powerful) to make your own reports.
Con Windows PC version is too expensive and doesn't have that many options
$14.99 is too much for nothing to add to the smartphone version.
