The old saying goes, a dollar saved is a dollar earned. And today, your smartphone can help you keep more money,where it belongs – in your pocket.

From saving energy to lodging and tracking your tax return, check out these awesome free apps, or suggest your own favourites in the comments below.

Light Bulb Saver

You might be surprised to know that lighting accounts for up to 15% of your power bill. The Light Bulb Saver app helps you work out how much money you can save by replacing your lights with more energy efficient ones. It also helps design effective and efficient lighting solutions for every room in your home.

The free app is compatible with iPhone, iPad and iPod touch that are running iOS 8.1 or later.

Download the free app now on iTunes or Google Play

Energy Rating Calculator

If you’re in the market for a new fridge, dishwasher, air conditioner, TV or monitor, washing machine or dryer, this app could save you hundreds of dollars. The Energy Rating Calculator helps you find out how much a specific brand and model will cost you to run – it compares appliances with another model and works out which one has the lowest total cost over the next 10 years.

The free app is compatible with iPhone, iPad and iPod touch that are running iOS 8.1 or later.

Download the free app now on iTunes or Google Play

ATO app

Whether you’re an individual taxpayer, small business owner or self-managed super fund trustee, the ATO app lets you access relevant tax and super information and tools in one place.

The ATO app also includes myDeductions which makes it easier to keep your tax deductions and income records all in one place. Other app features include:

• ABN lookup which allows you to search for an ABN and view other public information about the business.
• Business performance check tool allows small businesses to compare their performance with other small businesses in the same industry.
• Fuel tax credit calculator
• Key dates tool allows you to keep track of important dates for your tax and super obligations.
• A payment plan estimator
• Super guarantee contributions and eligibility
• Tax withheld calculator

The ATO app is free and compatible with most smartphones and tablets using iOS 8 and later, Android OS 4.1 and later and Windows Phone 8.1 and later.

Download the free app now on iTunes, Google Play or Microsoft

ASIC’s Money Smart apps

ASIC has a number of apps to help you calculate your loans, track how much money you’re saving and how much you’re spending. These include:

Mobile Calculator

This app lets making decisions about your finance easier, with four calculators in one app, a loan calculator, mortgage calculator, savings calculator and interest-free deal calculator.

Download the free app now on iTunes or Google Play

TrackMyGOALS

The TrackMyGOALS app helps you to become a successful saver by creating realistic goals, prioritising your goals so you achieve them and providing encouragement by tracking your progress.

Download the free app now on iTunes or Google Play

TrackMySPEND

This app shows you what you are spending your money on so you can better control your finances. The app helps you track your day-to-day spending so you can work out where you can save money.

Download the free app now on iTunes or Google Play

The ASIC apps require iOS 8.0 or later and are compatible with iPhone, iPad and iPod touch.

Pocketbook

This award-winning app makes handling your personal finances easy. It automatically syncs your accounts, get 80% of your transactions automatically categorised and upcoming bills detected. It alerts you when bills are late, and bank fees are charged. There’s also a weekly summary to keep your budget on track.

Pocketbook requires iOS 9.0 or later and is compatible with iPhone, iPad and iPod touch.

Download the free app now on iTunes or Google Play