Best Apps for Freelancers: Boost Your Efficiency

Freelancers have to fret about extra than simply doing their jobs. In the event you’re freelancing, it’s essential to schedule your work, keep your books, funds, save for a wet day, and make investments for retirement, all by yourself. The perfect apps for freelancers might help.

With 30,000 fintech startups and counting, you will have a whole lot of choices to select from, and also you don’t need to make the incorrect alternative. Let’s assessment some prospects and have a look at a number of the finest apps for freelancers.

Finest Apps for Freelancers

Freelancers can use a variety of apps for various functions. Listed below are the primary classes we centered on:

Let’s delve into every class:

Bookkeeping/Accounting

Bookkeeping and accounting apps are typically within the jack-of-all-trades bracket. They often present invoicing, time-tracking, and typically even budgeting, making them a one-stop store for your entire monetary wants.

1. Freshbooks

Freshbooks is likely one of the finest apps for freelancers who’re on the lookout for an easy-to-use accounting software. It tracks your incoming and outgoing cash, invoices your purchasers, and manages your entire enterprise bills. It is a perfect software for any freelancer who feels that accounting isn’t their strongest swimsuit.

Freshbooks additionally has a number of highly effective options which are well-suited to freelance customers. It means that you can monitor your time, which might help streamline your challenge administration and cost assortment efforts, and it allows you to personalize your invoices.

You can begin with a 14-day free trial to see the way you prefer it. Afterward, you’ll have to pay one thing between $17 and $55 a month, relying on the plan you select.

2. Wave

Wave is one in all my private favorites, and it’s the software I personally use for my freelance enterprise. It helps you handle money circulation, create experiences, accumulate funds, bill purchasers (and ship them automated reminders), and oversee gross sales tax. It’s a extremely intuitive software that’s simple to study and use.

Different cool options embrace scanning receipts, providing budgeting instruments, and inspecting earnings and losses. Over and above, it allows you to export any necessary paperwork, equivalent to receivables and account balances, making it top-of-the-line apps for freelancers in terms of accounting.

Wave is free, however if you wish to use it to gather funds or to handle payroll, then you’ll have to pay a bit of. Except your freelance enterprise consists of extra than simply you, the free model needs to be a lot.

3. Quickbooks

Quickbooks is likely one of the greatest names within the accounting area. It comes with all of the options that you’d count on from a big-name model: invoicing, tax preparation, receipt scanning, and lots of extra.

The corporate behind Quickbooks, Intuit, is similar firm behind TurboTax, so the 2 purposes combine collectively seamlessly. Because of this, you should utilize Quickbooks to separate your private bills from your enterprise bills and do the taxes for each via TurboTax.

Quickbooks is among the many finest apps for freelancers who’re managing extra complicated companies and on the lookout for a complete monetary administration resolution.

Quickbooks just isn’t free, and the most cost effective plan prices $15 per thirty days.

Budgeting

There are a number of completely different budgeting methods, and every budgeting app often focuses on one in all them. For instance, you will have the envelope technique, which splits your earnings into completely different classes or envelopes, and these envelopes restrict how a lot you possibly can spend inside any given funds class. So, in case your envelope for date night time is empty, meaning no extra date nights for you until subsequent month.

One other widespread budgeting technique that you need to know is zero-based budgeting. Merely, zero-based budgeting assigns each penny you make to a funds class, ensuring that your funds exhausts your earnings and that you simply don’t make any impulse purchases.

? Be taught extra: Our complete information breaks down the necessities of easy methods to funds, offering you with the instruments it’s essential to take management of your funds.

1. Mint

Mint is likely one of the hottest fintech apps on our listing. Whereas a part of the acclaim is because of the app’s age (it was based again in 2007), an enormous a part of the celebrity is owed to how user-friendly the app is.

Mint is ideal for your entire budgeting wants, each private {and professional}. It centralizes your entire funds into one app and means that you can monitor your spending throughout completely different classes, therefore managing your bills and discovering areas the place it can save you. With full visibility of your earnings and bills, you shouldn’t have any drawback doing all of your taxes.

Mint has a number of different options:

Subscription Monitoring
Time monitoring
Credit score rating checking  
Bank card administration
Invoice negotiation
Recommendation from Mintsights

And, to high all of it off, Mint is free, making it top-of-the-line apps for freelancers who need an reasonably priced budgeting resolution for each private and enterprise wants.  

?️ Be taught extra: Take the guesswork out of your monetary planning with our easy-to-use funds calculator.

2. Move

Move, top-of-the-line apps for freelancers, helps you funds your incoming money circulation utilizing the envelope technique. You’ll break up your earnings into completely different classes whenever you arrange the app. On the finish of each month, you will note your earnings go into numerous flows, equivalent to taxes, financial savings, investments, payments, hire, and so forth.

In the event you join your completely different financial institution accounts to Move, you possibly can management all of them via the app. You can even take pleasure in a few of Move’s good capabilities.

Move has plans for each people and companies. The corporate relies within the Netherlands, and costs are in Euros.

Move Free is (naturally) free.
Move+ prices 1.99 euros per thirty days.
Move+ Professional prices 6.99 euros per thirty days.

The primary distinction between these plans is within the diploma of automation you possibly can arrange. In different phrases, the Move+ Professional means that you can automate transfers and funds way over the Move Free plan permits.

? Be taught extra: Uncover the numerous benefits of budgeting and the way it can positively affect your monetary future.

3. You Want A Price range (YNAB)

The founders of YNAB determined to chop to the chase after they named their software. And, as you may need surmised, their software is devoted to severe budgeters, those that need to keep at the very least a month forward of their bills and have some wiggle room simply in case.

With YNAB, you designate a job for every greenback of your earnings, which is the zero-based budgeting technique we talked about above.

All of it begins with you connecting your financial institution accounts to YNAB and setting your monetary objectives. Afterward, your earnings goes to both your bills or your objectives.

YNAB offers customers with a 34-day free trial, after which they must buy both their month-to-month plan for $14.99/ month or their annual plan for $8.25/ month.

YNAB is likely one of the finest apps for freelancers preferring the zero-based budgeting technique for his or her private and enterprise funds.

? Be taught extra: Whether or not you’re new to managing cash or seeking to refine your strategy, these budgeting suggestions can present useful steerage.

4. Goodbudget

Goodbudget is one other top-of-the-line apps for freelancers on the market. This app is good for envelope budgeting. Most of their advertising is directed in direction of households and households, however you possibly can nonetheless use them in your freelance enterprise.

Goodbudget allows you to coordinate your enterprise’s funds together with a enterprise associate. In different phrases, Goodbudget can sync your enterprise’s funds throughout all units, providing you with and your enterprise companions full visibility into what will get spent and the place it goes.

Goodbudget has two essential pricing tiers: free and the plus account, which prices $8/ month.

Time Monitoring

As a freelancer, your most respected asset is your time, particularly when you’re nonetheless beginning out. It is advisable to monitor it diligently and just be sure you are being environment friendly with the way you spend it. Listed below are a number of the finest apps for freelancers to trace time effectively.

1. Harvest

Harvest is a user-friendly app that tracks your time and helps you handle your bills. It’s top-of-the-line apps for freelancers who bill on an hourly foundation and wish to trace time rigorously.

You may both enter your time manually or use the app’s built-in timer to maintain monitor of your hours. You may spotlight what number of hours you’ve labored for every shopper or on every challenge. You can even break up your time between billable and non-billable hours.

This makes invoicing purchasers on hourly tasks a lot less complicated.

You should utilize Harvest’s analytic instruments to take a better have a look at how you’re spending your time and the way you possibly can be extra environment friendly with the best way you’re employed.

Harvest gives a bevy of integrations, making the method of time monitoring much more easy for you.

So, how a lot does this price?

Harvest has two plans. There may be the free plan, and there’s the Harvest Professional, which prices $10.80/person/month. As a freelancer, the free plan needs to be sufficient except you will have workforce members working with you, and it’s essential to monitor their time as nicely.

2. TimeCamp

TimeCamp tracks your time via its built-in timer after which attributes this time to a particular challenge or shopper. You can even fill in your timesheet manually should you favor.

Other than the gorgeous UI, TimeCamp boasts just a few different neat options.

The app allows you to monitor your staff’ time as nicely, guaranteeing that they’re paid pretty. TimeCamp additionally points experiences that may level out unprofitable tasks or ones whose efficiency might be improved.

TimeCamp permits your workforce to funds their time in order that they’ll allocate the required hours to every challenge. The app additionally allows you to bill your purchasers primarily based on the variety of hours labored.

TimeCamp integrates with over 100 different apps, so your workflow could be seamless.

TimeCamp has 4 plans to supply:

The Free plan.
The Starter plan prices $2.99 per person per thirty days.
The Primary plan prices $5.99 per person per thirty days.
The Professional plan prices $7.99 per person per thirty days.

There may be additionally an enterprise plan, the place the corporate will tailor an answer for your enterprise.

3. Bonsai

Bonsai is an ideal software for freelancers. It helps with time monitoring, facilitates process creation and creation, and gives ready-made templates. Bonsai additionally allows you to bill your purchasers for work executed.

One other good function of Bonsai is that it allows you to monitor your bills: In the event you take a photograph of a receipt, you possibly can add that receipt to one in all your invoices and invoice your shopper.

Different merchandise provided by Bonsai embrace the next:

CRM
Bookkeeping
Taxes
Banking (Sure, Bonsai gives freelancers a banking resolution)

To take pleasure in all of these merchandise and options, you should purchase Bonsai’s Starter plan at $17 per thirty days.

Invoicing

Once you’re a freelancer, getting paid on time is the distinction between a rising enterprise and struggling to pay your payments. You’re in all probability no stranger to chasing down purchasers, sending them repeat reminders, and simply losing a ton of time getting what you’re owed.

The precise invoicing instruments make collections a lot simpler and quicker. Listed below are a number of the finest instruments accessible.

1. Invoice2Go

Because the title suggests, Invoice2Go is an app that means that you can create invoices, estimates, and experiences. The app additionally allows you to accumulate funds immediately whereas providing your purchasers a number of cost choices and means that you can invoice your purchasers for the time spent throughout appointments.

Invoice2Go additionally has another intriguing options. It gives banking options, helps you handle your payroll, and automates the method of asking for buyer suggestions. All of those processes could be built-in right into a system that you simply construct to fulfill your wants.

You have got three plans to select from. The Starter plan prices $59.99 a 12 months, the Skilled plan prices $99.99 a 12 months, and the Premium plan prices $399.99 a 12 months. The primary variations between these plans are the variety of invoices you possibly can ship yearly, the cardboard cost charges, and the accessible integrations.

2. Solna Invoicing

Solna has one goal in thoughts: ensuring you receives a commission on time, each time.

To attain that goal, Solna comes geared up with a number of bells and whistles, beginning with what they name good invoicing. Merely, this app allows you to customise your invoices, autofill your purchasers’ particulars to keep away from errors, ship automated reminders, monitor who has opened and seen your invoices, and settle for on-line funds.

Over and above, Solna has a credit score verify facility, which tells you a large number in regards to the folks you’re in enterprise with and provides you invaluable info whenever you’re setting cost phrases.

Effectively, Solna is definitely free. The corporate is evident on its mission to assist and empower SMEs. They don’t even promote your knowledge. Their plan is to finally cost for extra superior options utilized by larger companies.

3. Bill Ninja

Bill Ninja is one other widespread bill app. Even the title is cool.

Bill Ninja comes with all of the options you’d need from an invoicing software. It gives completely different bill templates, which you should utilize relying on the character of your enterprise. You may settle for on-line funds and hyperlink your financial institution and monetary accounts, facilitating the motion of your cash.

Bill Ninja offers time-tracking options. All it’s a must to do is create tasks and duties inside these tasks, and when you’re completed, the app will robotically add all the required particulars to the outgoing bill.

The app additionally helps you monitor your bills and stock. It’s among the many finest apps for freelancers who’ve a number of purchasers and must maintain their billing correct and constant.

You have got three subscription plans to select from. The primary one is free. The Ninja Professional plan will set you again $100 a 12 months, whereas the Enterprise plan prices $140 per 12 months for 1-2 customers.

Taxes

In the event you stay and work in america, you realize simply how complicated the tax system could be. Many Individuals must pay each federal and state taxes, determining every of them individually.

Additionally, relying on the place your enterprise is positioned in addition to its construction, your taxes can fluctuate drastically. An LLC that has staff and operates out of Detroit, Michigan, can pay very completely different taxes than a freelancer residing in Miami and working as a sole proprietor.

So, is it any surprise that tax season is usually a nightmare for each freelancer on the market?

With the next apps, you needn’t fear about tax season anymore.

? Be taught extra: Demystify the complexities of your tax obligations by exploring our informative article on how do taxes work.

1. IRS2GO

Coming to you courtesy of america Inner Income Service, IRS2GO is just accessible to folks working within the U.S.

This app is a godsend to each freelancer who ever struggled with their taxes. For starters, it grants you entry to your tax information. It additionally has options that help you with tax preparations and that aid you monitor the standing of your tax refunds. Over and above, the app lets you pay securely via your checking account.

Better of all, IRS2GO is free, making it top-of-the-line apps for freelancers who want primary tax help and don’t need to spend closely on it.

? Be taught extra: Take the stress out of tax season by discovering the perfect tax software program in your state of affairs with our useful assessment.

2. TurboTax

TurboTax is likely one of the greatest names within the tax preparation enterprise.

Why is it so widespread?

First off, the app is tremendous user-friendly. Its interface and UI are so easy that you could actually file your taxes out of your telephone with little to no problem. All it’s a must to do is take footage of your varieties, and the app will aid you maximize your deductions. The truth is, the app will information you step-by-step via the method of submitting your taxes.

As a result of all of it’s taking place on-line, TurboTax will ship you a notification when the IRS accepts your filed returns.

TurboTax is developed by Intuit, the identical firm behind Quickbooks, so each merchandise combine collectively. So, should you already use Quickbooks, you possibly can simply import your info from there and robotically ship it to TurboTax.

The one catch right here is the associated fee. You’ll have to pay whenever you file with TurboTax. If you wish to do your taxes your self, you’ll pay round $129, and this isn’t taking into account any state returns it’s essential to file. You could possibly even have somebody from TurboTax assist, and that will set you again someplace between $100 and $219. Or you possibly can simply let TurboTax deal with the entire thing for you, which might price $219-$409.

TurboTax is undoubtedly top-of-the-line apps for freelancers who use Quickbooks, and others will need to take an in depth look as nicely.

? Be taught extra: Keep up to date and plan your funds accordingly by testing the most recent info on tax brackets and federal earnings tax charges.

Cost Processors

To date, we’ve been speaking about easy methods to bill your prospects, easy methods to funds your cash, and easy methods to steadiness your books, which is vital when tax season comes round. Nevertheless, we haven’t talked about a very powerful a part of the complete equation: truly receiving your cash.

For many freelancers, this isn’t a lot of an issue as a result of they receives a commission through ACH financial institution transfers. A few of you may need to present your prospects with extra cost choices. In any case, extra cost choices imply you possibly can accommodate extra purchasers.

To that finish, you want a safe cost processor, and listed here are a number of the finest apps for freelancers to think about.

1. PayPal

Except you’ve been residing beneath a rock for the previous 20 years, you’ve in all probability heard of PayPal and may need even used it a few times. And should you don’t already use the service for your enterprise, you may need to get thinking about doing so.

By organising a service provider account on PayPal, it is possible for you to to obtain on-line and in-person funds. All through the method, you should have the peace of thoughts that may solely include utilizing a safe cost processor, one which protects you and the client on the identical time.

You may settle for an unlimited vary of cost strategies, together with bank cards, debit playing cards, Venmo, and cryptocurrencies. You may arrange international cost strategies and even pay-later choices. There’s even an in-person cost choice that you could course of via PayPal’s card reader or their QR code, which hyperlinks on to the app.

PayPal allows you to create and ship customizable invoices to your prospects in addition to cost reminders ought to they drag their ft.

When you obtain your cash, you are able to do one in all two issues. You may maintain the cash in your PayPal account and use it to make on-line funds. Or, you possibly can hyperlink your checking account to your PayPal account and simply switch the cash to your financial institution.

On the different finish of that spectrum, consumers can even be extra prone to do enterprise with you due to the added sense of safety. As an illustration, a lot of them may really feel extra snug with PayPal’s refund coverage that makes certain you receives a commission solely when they’re glad with their buy.

You may join free. Nevertheless, you’ll have to pay for each on-line transaction made, and the charges will differ relying on the state of affairs. As an illustration, when receiving a home transaction, i.e., each the payer and the receiver are positioned within the US, you’ll have to pay 3.49% of the quantity paid, in addition to a hard and fast payment of $0.49 for each transaction.

2. Stripe

Stripe is one other massive cost processor, one that’s the spine of tens of millions of companies.

What makes Stripe so widespread?

This can be very simple to make use of, each for you and in your prospects. It lets you settle for each in-person and on-line funds. It really works all around the world.

Moreover, Stripe could be built-in into your web site you probably have one. So, should you promote programs and even your companies via your web site, Stripe is your finest buddy: It’ll course of the cost and put the cash into your checking account.

And, after all, Stripe allows you to create your individual invoices and ship them to your purchasers.

In return for his or her companies, Stripe takes a proportion from every transaction. The profit right here is that Stripe might be one of many most cost-effective cost processors on the market, as they solely cost you 2.9% per transaction, together with a hard and fast payment of $0.30.

? Be taught extra: Dive into the numbers and traits with our detailed evaluation of Stripe statistics for this 12 months.

Banking

One frequent freelance mistake is depositing funds immediately into private financial institution accounts. This makes managing your funds, each private {and professional}, a problem.

Ideally, you need to have a enterprise checking account that receives funds out of your prospects, after which you possibly can pay your self from this account. This can streamline your accounting and can aid you keep away from numerous issues later down the road. This isn’t to say how a superb enterprise account could be integral for you taking out a mortgage ought to your enterprise ever want one.

With this in thoughts, listed here are a number of the finest apps for freelancers who want to set up a enterprise account.

? Be taught extra: Get a clearer image of your monetary interactions by exploring our detailed clarification of how banking works.

1. Smart Enterprise

Based in 2011, Smart is famend as a high worldwide cash switch firm. Their enterprise checking account is tailor-made for individuals who want dependable worldwide transactions, which is why Smart is likely one of the finest apps for freelancers who work internationally.

So, what are you able to do with a Smart Enterprise checking account?

To start with, you possibly can facilitate your enterprise’s funds by managing your money circulation, making bulk funds to your distributors, and managing your invoices, simply to call just a few options.

Furthermore, should you pay a one-time payment of $31, Smart Enterprise will give you worldwide checking account particulars. So, the platform will provide you with a European IBAN and a UK type code, making it a lot simpler to obtain completely different currencies equivalent to GBP and Euro.

And better of all, it’s utterly free for freelancers within the US to open a checking account with Smart Enterprise. There are not any month-to-month or upkeep charges, and also you don’t even must have a minimal steadiness requirement.

? Be taught extra: Discover our important information for sensible recommendation on how to decide on a financial institution that aligns completely together with your monetary wants and objectives.

2. Novo

Novo is one other widespread choice for freelancers.

Novo gives a free on-line enterprise checking account, one which integrates immediately with Smart, Stripe, Quickbooks, Sq., and numerous different apps.

Other than having no charges, this banking resolution has no minimal steadiness necessities but offers quite a few switch choices inbuilt. To high all of it off, Novo doesn’t cost for incoming home wires, ATM withdrawals which are out-of-network, and even ACH funds, whether or not they’re incoming or outgoing.

Novo means that you can ship and monitor invoices out of your dashboard and offers groups with multi-user entry.

The appliance course of is brief, taking round 10 minutes.

? Be taught extra: Uncover your perfect banking expertise with our goal roundup of the perfect on-line banks accessible right now.

Investing

Once you’re a freelancer, it’s a must to put together in your retirement by yourself; in spite of everything, you don’t have an employer to offer a 401(okay) and match your contributions.

There are such a lot of apps within the funding area that it might be overwhelming if we tried to cowl them right here. As a substitute, we are going to deal with only a couple to spotlight the probabilities.

? Be taught extra: From selecting belongings to understanding danger, our information covers all of the necessities of investing for rookies.

1. Empower

Probably the greatest apps for freelancers who need to put together for retirement is Empower. This is likely one of the largest retirement planning corporations, and so they just lately acquired Private Capital, which was a two-in-one app: a budgeting software and investing platform. Empower has grow to be a form of Swiss military knife in your funding and retirement planning endeavors.

Empower offers you entry to a number of the finest monetary instruments on the market. It lets you monitor your investments and examine how they’re doing in opposition to different customary indices. And the corporate does all of this via an attractive dashboard that’s remarkably simple to make use of.

Empower additionally helps together with your budgeting, offering full visibility over your bills and spending.

Empower gives a robo-advisor platform in addition to assist from certified monetary advisors, who come cheaper than conventional advisors. Empower offers each of those choices via its wealth administration companies. The one caveat right here, which is usually a massive barrier for many, is that it’s essential to have $100,000 in belongings beneath administration to qualify for wealth administration companies.

2. Betterment

If you wish to begin investing however nonetheless haven’t constructed sufficient wealth for one thing like Empower, then Betterment could be the higher choice for you. Not solely does it provide a robo-advisor platform, however the account minimal and costs charges are fairly pleasant.

All it’s a must to do is join, resolve how a lot you need to make investments, and lay out your monetary objectives. In return, Betterment will spotlight the perfect choices for you.

There are a number of funding choices to select from. Left to its personal units, the app will auto-invest in low-cost, diversified ETFs. Alternatively, you possibly can select one in all Betterment’s curated portfolios, the place every portfolio follows a singular funding technique, equivalent to investing in revolutionary expertise or in corporations which are combating local weather change. A 3rd choice is to customise your individual portfolio, however it’s essential to be an skilled investor to do that.

Betterment has three plans. The most affordable one is at no cost. The second prices 0.25% of belongings managed yearly. The third one prices 0.4% yearly.

General, Betterment is likely one of the finest apps for freelancers who need to construct their very own equal to a 401(okay).

Loans

For a lot of freelancers, the one manner you possibly can fund your enterprise is both via money generated from work or via loans or investments from the three F’s (household, buddies, and fools). To maintain your enterprise or probably even increase it, you may must look past these sources.

To that finish, you may need to think about fintech apps which are particularly designed for small enterprise loans.

1. American Specific

American Specific used to have a particular model, Kabbage, for small enterprise loans. Not too way back, American Specific determined to retire the model when it launched American Specific Enterprise Blueprint.

Right this moment, you possibly can take out a mortgage from American Specific Enterprise Blueprint should you meet these situations:

You’re 18 years or older.
Your corporation is greater than a 12 months outdated.
Your corporation has a credit score rating of 660 or extra
Your corporation brings in a income of $3,000 or extra each month

If in case you have been an American Specific buyer for some time, the above situations might change.

American Specific can give you a mortgage starting from $2,000 to $250,000, and the approval course of is often quick. Each the web site and the American Specific app are user-friendly, so the complete interplay needs to be manageable.

The one concern is that the charges is usually a tad exorbitant. Whilst you gained’t pay mortgage software or origination charges, your rate of interest can attain 27% month-to-month. Clearly, the speed you’ll pay is decided largely by your enterprise’s credit score rating, so it may be a lot decrease than 27%. It’s best to nonetheless pay attention to the worst-case situation.

Working With Companions

Earlier, we noticed how an app like Goodbudget might help you and your enterprise associate handle your funds collectively. Nevertheless, to spherical out our listing of the perfect apps for freelancers, it’s price an app that’s devoted particularly to managing cash with a associate.

?‍❤️‍?‍? Be taught extra: Study frequent cash errors {couples} make and discover sensible recommendation on easy methods to sidestep them in our put up.

1. Honeydue

Honeydue is an app designed for {couples}. Nevertheless, it may also be top-of-the-line apps for freelancers with a enterprise associate, particularly if the monetary duties are break up between the 2 of you equally.

Relying in your preferences, Honeydue can provide you visibility into your enterprise associate’s financial institution accounts, taken-out loans, and even investments. Your associate will get to look into your funds as nicely, after all.

Additionally, you will have the ability to share your cash with the assistance of the newly launched Joint Money function. Your shared money is accessible in the true world via ATMs or on-line via Google Pay and Apple Pay.

Honeydue is likely one of the finest apps for freelancers on the market, because it makes it simple to handle your enterprise’s payments and coordinate your bills collectively. It makes your payments seen to each of you and sends you constant reminders so that you by no means have to fret about late penalties. The app gives a chat function that allows you to centralize all monetary conversations.

Honeydue gives most of its options at no cost.

Placing It All Collectively…

Monetary administration instruments are essential for operating a profitable freelance enterprise. Whether or not you want a single app or a mixture, selecting the perfect apps for freelancers can streamline your operations. Contemplate these choices to construct an efficient monetary tech stack tailor-made to your wants.

If your enterprise is massive sufficient to warrant the latter choice, you then would do nicely to make it possible for the completely different apps you select combine with each other, assuring that your workflow is easy and nothing falls between the cracks.