Handheld electronic personal financial money manager and spending tracker

摘要

A device for aiding in the tracking and calculation of personal financial transactions is disclosed. The device is preferably pocket sized, portable and provides finger-tip access to allow the user to concentrate on managing the user's financial transactions and achieving financial goals with minimum effort. The device includes a central processing unit (CPU) that runs database software that stores information about the user's financial accounts, financial transaction histories, budgets, plans and goals. The CPU directs the device to visually present information about, including analytical information about, these financial categories. The present invention assists the user in tracking and recording their daily money inflows and outflows (e.g., via ATM or teller deposits and withdrawals, actual cash usage, debit card transactions, check writing activities). The device also allows the user to easily modify their budget and spending plans at any point of time to assist them in keeping on track of their financial goals. In a preferred embodiment of the invention, the device has about the same size as a common checkbook. The present invention eliminates the need for manual tracking and calculations of financial transactions, such as that done on paper checkbook ledgers, and provides pocket size, portable at the finger-tip access to the user's financial information to allow the user to concentrate on achieving their financial goals with minimum effort.