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Downloadable computer application software for mobile phones, tablets, handheld computers and mobile devices computer software for use in financial applications, namely, for use in creating and tracking income and expenses, for use in managing business finances, for use in managing books of account; for use in creating, sending and tracking invoices and payments; for use in creating, sending and tracking purchase orders, for use in creating, updating and tracking budgets, for use in managing accounts payable and accounts receivable, for use in preparing financial statements such as balance sheets, income statements, statements of cash flows and statements of changes in financial position, for use in creating and updating inventory reports, for use in calculating employee wages, salaries and entitlements, for managing payroll functions, for use in creating customized financial reports, for use in creating spreadsheets, graphs and charts displaying financial information, reports, and trends, for use in maintaining and updating contact information of employees, professional advisors and clients; and for use in accessing and performing financial transactions in connection with credit cards and debit cards for small and midsized businesses