Finance

Square (Free): So, you’ve got a garage sale, or your kid’s bake sale, or you’ve just decided to open your own café and you need an easy way to take credit card payments on the fly. Not everyone carries cash, so where do you turn? Square for iPad. Square is a contract-, monthly fee- and merchant account-free service with an app that not only lets you accept credit card payments from all major cards, but also track sales, tips and tax. A small percentage of each transaction is taken to pay for processing, but you get to keep the rest. Oh, and it’s completely secure.

Bank of America (Free): The biggest bank in America also has one of the best mobile banking apps available on iOS. The universal Bank of America app lets you see your transactions and manage all your accounts and investments from your iPad over the same SafePass security protocol used by BoA’s own website. Review your account balances, locate nearby branches and ATMs, transfer funds and pay your bills without ever having to leave the app. It’s just what you’ve always wanted – a big bank all up in your personal space!

Pageonce Pro ($12.99): You’re a jetsetter with credit and bank accounts all over the world. Or, you’re a working-class schmo who needs more lines of credit to buy the latest gadget everyone’s talking about. Regardless, you need a better way to manage those accounts all at once – enter Pageonce Pro. Pageonce acts as a repository for your banking info, providing you with updated data as it’s available on your balances, bills due, payment dates and other valuable information. You can also track your investment info and frequent flier miles all over a secure connection. Sure, it’s $12.99, but those overdraft fees cost a lot more.

Expensify (Free): If you do a lot of traveling for work, you’re going to amass numerous receipts and charges to submit to your finance department when you get back to the office. Let Expensify handle that heavy lifting for you. Expensify jacks into your bank accounts and monitors your transactions, while also letting you snap pics of those analog receipts you get when paying with cash. There’s also an ability to enter mileage information into the system, so when you’re ready to submit at the end of the month, a PDF is generated and emailed off to the necessary people. Finally, you can get rid of that overflowing binder with old Starbuck’s receipts.

Easy Books (Free): Think of Easy Books as QuickBooks for the iPad. Manage your bank accounts, expenses, invoices, earnings and assets all within this one app. There is also reporting functionality built-in, providing detailed analyses of such information as your monthly budgets, cash flow and VAT return. If you run a small business, or even freelance on your own, this is a necessity.

CNBC Real-Time (Free): Imagine you can pull the stock ticker from CNBC’s television channel and customize it to display only the stocks you care about. Then imagine you can dive deeper into a stock and view its activity over the course of the day in real time. CNBC Real-Time for the iPad crams all the videos and data from CNBC into an app that turns into an important financial tool for investors and analysts all over the world. You also get breaking business news alerts pushed to your homescreen, as well as the ability to follow the popular stocks being discussed on CNBC right now.

Numbers ($9.99): Sometimes, the best tool you can use is the simplest one of all. Numbers, Apple’s Excel alternative, is quite a capable spreadsheet application, which provides a variety of templates, tables, charts and images to convey your data easily and, most of all, beautifully. Enter the information, apply a few formulas and export the spreadsheet to a number of formats, including .xls and .csv. You can also email your files from the iPad’s Mail app, or sync them via your iDisk or WebDAV server.

Bloomberg (Free): Bloomberg for iPad has hints of CNBC’s app inside, like stock tracking and news updates, but it also combines Bloomberg’s informative podcasts and additional information surrounding equities and commodities to give readers a well-rounded view of the current economy. Think of it as a companion to CNBC Real-Time.

Mortgage Calculator – the Amortizer ($1.99): Housing costs are dropping and for some people, that means it’s home buying time. If you’re in the market for a new place and you’ve already looked up your dream home on Trulia, download Mortgage Calculator for two bucks and see how much your new nest is going to cost. The app calculates cost per square foot, total interest, number of payments and total cost, then saves them as loan groupings for later reference. This way, you can get estimates from various loan companies to find the best deal for you.

RetirePlan (Free): Getting older comes with a lot of questions and considering the current state of the economy, one of those questions will be, “What do I need to save to retire comfortably (or at all)?” RetirePlan for iPad calculates your assets, savings, age, desired retirement age and a host of other data so you can plot out your golden years early. You can use the sliders in each section of the app to see how different ages and amounts affect your retirement date and what you’ll have left to retire with. Don’t wait – plan now.

There you go – 100 apps to help you get the most out of your iPad. I’m sure I missed some of your favorites (there are thousands of apps, so choosing 100 was hard enough), so leave a comment below and let your fellow readers know which apps you love to use for reading, gaming and getting things done.

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Top 100: Must Have iPad Apps
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