Smart Money is a smart budgeting spread sheet app that is easy to use, it's perfect for all generations whether you're wanting to learn how to control your first wage or get on top of all your debts. This app automatically calculates everything for you without having to waste your time signing up, creating yet another account. You don't have to risk your email account receiving spam or risk your privacy details because unlike all these other budget apps smart money keeps you onto of everything without asking for bank details. You will be able to keep track and always know exactly how to spend your money.