Your smartphone can pretty much manage your entire life. For times when a calculator just isn’t enough, there are a range of apps to help you with all sorts of financial situations you might encounter. Whether you’re out and about, with a need to do some quick calculations on the fly, or just can’t be bothered to switch on your laptop, these five apps can do all of the work for you, from the most simple of sums to brain-achingly complex calculations, all at the tips of your fingers and with minimal fuss.

1. AnMoney Personal Finance
With less money around and more belt-tightening going on, it’s good to know that there’s an app out there that can help you keep track of your finances. Much easier than complex computer spreadsheets, or sitting down every month to put your bills and receipts in order, AnMoney Personal Finance App has a host of features. You can make use of the ability to set yourself a monthly budget and be told in figures and percentages how much of it you have spent, keep track of bills and banks, and even employees, if you have them.

2. Mortgage Calculator
This handy app allows you to very quickly calculate the interest and repayments on a mortgage of any size. You can see all the important figures you would need to know with the push of a few buttons, or a few taps on the screen. Not only handy for the homeowner or soon-to-be homeowner, Mortgage Calculator would also greatly benefit people in the property business, giving you the ability to show clients quick calculations in the office or at a viewing to help them decide. It could also be used to help do the numbers on a standard loan as well. More specific calculators such as buy to let mortgage calculators are available online but few have the power of Mortgage Calculator.

3. Calcmoolator
This is over 50 apps for the price of one. Not even one, if you get the free version. Calcmoolator is a platform that gives you access to a load of different calculators for various purposes. Some of the tools at your disposal are Salary to Hourly Wage, Tip Calculator, PMI vs. 2nd Mortgage, Auto Rebate vs Low Interest Financing and House Rent vs. Buy. It seems that if you need a calculation doing, Calcmoolater will have a feature to help you do it.

4. Essential Finance
Being able to do complex financial calculations on your phone is great, if you know what you are talking about. There is a wealth of financial terminology that can pop up when working out a mortgage, financing, or investments. This can get very confusing if you don’t know what these terms mean. This handy app gives you a great way to learn the 100 most important financial terms. If you ever find yourself getting stuck – let’s face it we’ve all been there – Essential Finance can give you the definitions you need in seconds.

5. XE Currency App
Essential for those planning to travel aboard, or thinking about making payments in another currency. The XE Currency App features over 180 world currencies, and even precious metals. It gives you up-to-the-minute currency rates and charts. It also stores the most recent update, meaning that even if your phone isn’t connected to the internet, you can still use the app for all your conversion needs. Give it a timeframe and it’ll show you the highs and lows for your chosen currency, or follow up to ten currencies at once. The XE Currency App has been downloaded over five million times and makes all your currency conversions quick and simple.

Jenny is the lead writer for a personal finance news site in the UK. She is excited at the huge steps forward the mobile apps industry is making and how much power the consumer now has at their fingertips.