Mobills vs GuiaBolso: apps help organize finances and save money | Productivity

Mobills vs GuiaBolso: apps help organize finances and save money | Productivity

dnetc made a selection with the main features of the two applications. Check, next, the similarities and differences of each one and choose the best app for you. The tests were done on an iPhone 6S.

GuiaBolso and Mobills are free options for those who want to organize their finances Photo: Arte / dnetcGuiaBolso and Mobills are free options for those who want to organize their finances Photo: Arte / dnetc

GuiaBolso and Mobills are free options for those who want to organize their finances Photo: Arte / dnetc

Renewed pocket does the math and reveals how much is left at the end of the month

Both applications have a simple and intuitive design. On the home screen, both Mobills and GuiaBolso present the balance available in the account, the main expenses paid in the month and the comparison with the planned expenses.

Mobills leads the way, bringing a home screen separated by colors and showing the different categories (income, expenses, etc.) in a simpler way. With rectangular blocks to separate graphs and budget, the app makes it easy to view information. GuiaBolso, however, can be confusing due to the predominantly white color.

Apps feature home screens with similar features Photo: Reproduo / Wallace NascimentoApps feature home screens with similar features Photo: Reproduo / Wallace Nascimento

Apps feature home screens with similar features Photo: Reproduo / Wallace Nascimento

GuiaBolso offers a direct link between the application and several financial institutions. In this way, it is not necessary to register expenses manually, since movements are added automatically. The app's creators point out that it is not possible to carry out any transactions and that the data is encrypted on the company's servers, ensuring more security for the user.

Mobills requires the user to manually save each transaction for withdrawals, purchases and debts in general.

GuiaBolso has a direct link with banks, j Mobills has manual adjustments Photo: Reproduo / Wallace NascimentoGuiaBolso has a direct link with banks, j Mobills has manual adjustments Photo: Reproduo / Wallace Nascimento

GuiaBolso has a direct link with banks, j Mobills has manual adjustments Photo: Reproduo / Wallace Nascimento

Both GuiaBolso and Mobills allow the insertion of credit cards in their applications, but in a different way. Through the registration of accounts, GuiaBolso can make a direct link with card data as it happens with Nubank, having access to expenses, limits and payments without the need for manual entry.

Since Mobills does not connect with financial institutions, you can separate credit card spending from your checking account. However, all information must be included manually.

In addition to the manual registration, GuiaBolso also allows a direct link with credit cards Photo: Reproduo / Wallace NascimentoIn addition to the manual registration, GuiaBolso also allows a direct link with credit cards Photo: Reproduo / Wallace Nascimento

In addition to the manual registration, GuiaBolso also allows a direct link with credit cards Photo: Reproduo / Wallace Nascimento

Summary of monthly expenses

In both applications, monthly expense summaries are displayed in a list, with the most recent items at the top. The debits are displayed by the name chosen by the user in case of manual entry and also by categories. The amount and date of the transaction are displayed on the side.

In GuiaBolso, this information is displayed in the "Extract" tab and is not limited to debits only. In addition to checking expenses, the user is able to view earnings and any other positive transactions on the same screen.

At Mobills, the numbers are separated. The "Expenses" tab shows the debts that occurred while the user has access to the budgets in "Revenues".

Expenses display very similar in both apps Photo: Reproduo / Wallace NascimentoExpenses display very similar in both apps Photo: Reproduo / Wallace Nascimento

Expenses display very similar in both apps Photo: Reproduo / Wallace Nascimento

Both applications make it possible to register expenses or revenues using categories. With them, it is possible to know if the user is spending a lot on leisure or fixed bills, helping to discover where excesses are occurring.

In GuiaBolso, it is possible to register items in bonuses, residential accounts, education, supermarket, food, among other categories. If the application is connected to the bank, expenses are identified automatically and separated according to their nature.

Although Mobills offers only eight categories for expenses against almost 30 of GuiaBolso, the app allows the user to create others. To do this, just choose a name, a color to display in the "Expenses" menu and the icon to be used.

GuiaBolso have more categories by standard, but Mobills allows the creation of new ones Photo: Reproduo / Wallace NascimentoGuiaBolso have more categories by standard, but Mobills allows the creation of new ones Photo: Reproduo / Wallace Nascimento

GuiaBolso have more categories by standard, but Mobills allows the creation of new ones Photo: Reproduo / Wallace Nascimento

In both, the user has the possibility to register how much he wants to spend monthly in each of the categories mentioned above. It is possible to decide, for example, if you want to spend only R $ 200 on leisure in a given month and control this expense.

An advantage of Mobills to notify you when the value chosen for each category reaches 80%.

GuiaBolso and Mobills allow the creation of spending targets Photo: Reproduo / Wallace NascimentoGuiaBolso and Mobills allow the creation of spending targets Photo: Reproduo / Wallace Nascimento

GuiaBolso and Mobills allow the creation of spending targets Photo: Reproduo / Wallace Nascimento

Both have tools to consult the CPF, including whether there are financial pending issues in the user's name. Mobills users have access to the Serasa Score. In GuiaBolso, the verification takes place with Boa Vista SPC, an application partner.

CPF consultation allows users to know whether they are good or bad payers Photo: Reproduo / Wallace NascimentoCPF consultation allows users to know whether they are good or bad payers Photo: Reproduo / Wallace Nascimento

CPF consultation allows users to know whether they are good or bad payers Photo: Reproduo / Wallace Nascimento