Apple revolutionised the world of personal technology when it released the iPhone back in 2007.

Since its explosion in popularity, millions of apps have been created and downloaded, making finding a decent one as hard as looking for a needle in a proverbial haystack.

For every good app, it seems like there are countless badly-made, flawed or downright dodgy ones on the market.

So, to help you squeeze every drop of potential out of your Apple device in 2014, we've put together a list of the best finance apps that we think are good enough to grace the screen of any iPhone or iPad.

1. Barclays Pingit

Cost = free, from Apple's iTunes store

How do you make a banking app standout from the crowd? Do what Barclays did and make it easier than ever to send and receive cash, using someone's mobile phone number.

With Pingit, which is free and available to anyone with a UK-based current account and mobile phone (you don't need to be a Barclays current account customer), you can send secure payments that transfer money in seconds, rather than hours.

Now whenever you owe anyone a few quid, you don't have to rush to the nearest ATM or write an IOU, you simply have to select Pay a Person, enter a name, message and amount to send and Pingit over.

With the ability to see past transactions and requests, and the speedy nature of making payments, there's no question that Barclays' app is the most innovative one out there at the moment.

2. MoneyWiz - Personal Finance

Cost = 2.99, from Apple's iTunes store

There aren't many apps as comprehensive as MoneyWiz. With its clean and uncluttered design and ability to sync across various devices via the cloud, it's easy to see why this app is widely praised.

With MoneyWiz you can input data for all of your accounts rather than being limited to one, so that you have a complete overview of all your finances.

This means you can adjust incomes and expenses across them all, allowing you to create charts comparing your outgoings and income and see trends for how much you're spending and where.

With brilliant features such as its calendar which lets you plan out detailed budgets and payments, the ability to import bank statements and export reports, MoneyWiz is fantastic for sorting your finances.

3. Meter Readings

Cost = 0.99, from Apple's iTunes store

Energy prices are always an issue, and if you want to see what you're spending and on what, as well as possibly save some money, then this is an app you'll love.

Once you've entered your readings, it will work out your energy use and costs and create simple graphs that breakdown the data daily, weekly, monthly, quarterly or yearly, so you can see how much you're really using.

With the ability to monitor nine meters and export the data, it's a comprehensive package. The Pro version has no restriction on how many meters can be included, making it an easy way for professionals to keep track of a large number of readings.

4. mySuperList

Cost = free, from Apple's iTunes store

This app from mySupermarket is designed to help you make the most of deals at major high-street stores including Tesco, Asda, Sainsbury's, Waitrose, Ocado and Superdrug.

It lets you put together your own virtual shopping list containing your favourite products and then gives you the price for it from each store, helping you compare costs and potentially save a bundle.

With mySuperList you can set up price alerts, which inform you when the price for a certain product has dropped, and also use its Savvy Buys feature that lets you know when some items are far cheaper than usual, so you can pick up a bargain.

Other features, like its swap and save suggestions and the fact you can share lists with friends or family members, make this our favourite app when it comes to shopping (literally!) around for a good deal.

5. XE Currency

Cost = free, from Apple's iTunes store

If you travel often or regularly import or export products, and need a foreign currency converter you can rely on, there aren't many better than the XE Currency app.

You can use it to convert any world currency and even precious metals, giving it truly global coverage. The app can save the latest updated rates, allowing you to use it anywhere even without an internet connection.

XE Currency's rates are refreshed each minute meaning you're always up to date, which can be crucial for making sure you never over or underpay on transactions.

With the ability to access thousands of currency charts, calculate prices and access the latest news, you'll never require another converter.

6. PayPal

Cost = free, from Apple's iTunes store

PayPal's app comes with a range of useful features, not least the ability to search for shops in your area that now accept it as a form of payment.

With mobile phones being increasingly used for making transactions, if you have a PayPal account then the number of places you can use it to pay is only likely to grow.

Additionally the app also lets you manage your account, meaning you can see your recent activity and balance and transfer money on the move if you need to.

If you need to see which bank accounts and cards are linked to your PayPal, you can do so with the handy wallet feature.

7. iSpreadsheet Free

Cost = free, from Apple's iTunes store

If you're a businessperson and regularly find yourself crunching numbers outside the office, one app you might find particularly useful is iSpreadsheet Free.

This lets you create and manage multiple spreadsheets on your Apple device and even do the fiddly bits well, like integrate formulas, format cells, insert columns and rows and resize them.

Of course, this wouldn't count for much if you couldn't transfer your files. Impressively, iSpreadsheet Free lets you send and download documents via email and Safari, as well as integrate them with Google Docs and Dropbox.

Condensing these features from desktop software to a smartphone and making them work just as well is quite a feat. Gone are the days when you always needed a laptop - now you can do just as much on your mobile.

8. IG CFD Trading Spread Betting and Forex

Cost = free, from Apple's iTunes store

When it comes to spread betting apps, you can't really go wrong with this one from IG Group.

With its nicely-designed and clean interface, you can open, edit and close positions, set up watch lists to keep an eye on specific markets and look at a huge range of shares for leading companies, global indices (including the FTSE 100) and the performance of commodities such as oil and gold.

The advantage of using IG's app is that you can respond quickly to trading opportunities while on the go, and analyse trends and markets using its inbuilt charts to make sure you're always ahead of the curve.

9. iClaimIt

Cost = free, from Apple's iTunes store

Smartphones have made many aspects of life more convenient, none more so than keeping track of your expenses.

If you regularly travel for business and need a way to keep an eye on how many miles you've covered and stop the receipts from stacking up, iClaimIt could be just what you need.

With an inbuilt mileage calculator and the ability to take and attach photos of receipts to each expense, this app does the hard work for you, so you can rest assured that you'll always know how much you've spent.

10. Spending Tracker

Cost = free, from Apple's iTunes store

This well-designed app promises you instant control over your spending, and with its intuitive structure and wide range of features, it's easy to see why.

Spending Tracker lets you input your income and expenses and break them down into subcategories, so you can see where you're spending most of your money and what you're balance is at any time.

As the app promotes itself as a way to help you save money, with budget mode you can set targets and keep a constant eye on your transactions and spending.

You can also plan for the future by setting up repeat alerts for regular outgoings, such as fuel or loan costs, so you're never caught short.

With the added touch of easily understandable charts outlining your cash flow, Spending Tracker really lives up to its name.