The GuiaBolso and Organizze apps are two options for monitoring incomes and expenses by cell phone. With a modern design and simplified interface, they detail the personal balance over the month and help to save for investments. In addition, apps allow you to organize your money around goals, to control spending on leisure, for example.
Both are free to download on Android and iPhone (iOS) and, despite the similarity, bring features that tend to please different usage profiles. We tested the applications on a Galaxy S8 with Android O and compared the main functions. Know the differences and know which one best suits your needs.
Compare the functions of Organizze and GuiaBolso personal finance apps Foto: Paulo Alves / dnetc
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GuiaBolso recently won a design change in the Android version, which made it simpler and similar to Organizze. Both have detachable buttons to add data quickly and offer an overview of finances in a quick view on the first screen.
When opening the apps, it is possible to immediately notice the importance given to each type of information: in GuiaBolso, the user has access to a consolidated chart of all income and expenses. In Organizze, priority is given to accounts receivable, payable and late payments.
Apps have a similar design, but give priority to different information on the main screen Photo: Reproduo / Paulo Alves
Usability and synchronization
GuiaBolso is a platform that requires access to the user's banking data in order to operate fully. No information shared without the user's consent, according to the company, as well as it is not possible to carry out any transactions through the app. Organizze follows another line: finances are managed manually. Therefore, it can be more advantageous for those who choose more privacy.
This distinction makes GuiaBolso more automated and, therefore, requires less user time to organize finances. Organizze is an application that works only in manual mode in the free version, requiring more interaction to keep up to date.
In the free version, the more automated GuiaBolso and the more manual Organizze Photo: Reproduo / Paulo Alves
Applications allow you to add categories to expenses to generate graphs of monthly expenses. With this information in hand, the user can understand the areas that consume the most budget and know where it is possible to save.
GuiaBolso (left) has a greater variety of spending categories to use than Organizze (right) Photo: Reproduo / Paulo Alves
GuiaBolso offers a greater variety of categories and, therefore, ends up generating more complete results. It allows, for example, to use the labels supermarket and internet and TV for expenses that, in Organizze, would have to be classified only in the label Casa. The diversity of the GuiaBolso categories results in a more detailed expense chart that tends to be more useful at the end of the month.
Additional categories from GuiaBolso (left) result in better graphics than in Organizze (right) Photo: Reproduo / Paulo Alves
Both apps allow you to create spending targets by categories to limit expenses, for example, leisure or market. However, the user tends to find it easier in Organizze, which concentrates all the options related to savings in the Goals menu.
The tool allows you to define the expense ceiling for all categories available in the app, showing an updated summary in real time for the user. However, there is a limit of only one goal per month for free, releasing the function entirely for paying users only.
GuiaBolso offers something very similar without having to pay anything, but the function is more hidden in the application. The user must access the expenses screen to obtain the Estimate expenses by category option, which allows you to create limits by type of expense.
Organizze (right) allows you to create a goal per month for free Photo: Reproduo / Paulo Alves
If the user chooses to synchronize their bank details, GuiaBolso is the best in offering financial services. Through the mobile application, the user can check the availability of personal credit and simulate loans based on their history. In addition, it is possible to monitor pending issues in the CPF Radar function.
Organizze, on the other hand, offers better control over past due and payable accounts. The app scans your finances for accounts receivable and money receivable according to the information entered manually, notifying everything on the home screen. However, the most improved control of this feature, which includes attachment of receipts, only works upon subscription.
GuiaBolso (left) has CPF Radar and Organizze (right) has alerts for accounts due Photo: Reproduo / Paulo Alves
Organizze costs R $ 8 per month to release all functions, which include control of physical receipts and unlimited goals. The rival GuiaBolso is totally free.
As it allows simpler manual use, the Organizze is more suitable for those who want to make personal control of expenses without sending their bank statement to third parties. For those who use a spreadsheet on the computer and want an application that can expand the possibilities of managing finances, Organizze ends up being a more natural substitute.
GuiaBanço is indicated for those who want more automation. In exchange for viewing your statement, the application alone creates lists of incomes and expenses and intelligently categorizes everything yourself.
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