# 所持 - 个人资产管理 & 物品记账 — 你拥有的不只是物品和持仓，更是一套个人资产版图。

> Personal asset and item accounting app for tracking possessions and finances. (iPhone/iPad app by Beijing Qijian Technology Co., Ltd.)

- Source: https://appshunter.io/ios/app/and/id6762140169 (this page in markdown: same URL + `.md`)
- Developer: [Beijing Qijian Technology Co., Ltd](https://appshunter.io/developer/1893107211)
- Category: Finance, Utilities
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.5 · 80 MB
- Languages: Chinese (Simplified, China), American English
- Released: 2026-07-18
- Data updated: 2026-10-31
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/and/id6762140169/reviews.md

## What is 所持?

在【所持】，我们相信：每一件长期陪伴你的东西，都值得被认真记录。
一部手机、一台电脑、一枚金饰、一只基金、一笔股票持仓，甚至一段已经结束的交易记录，都不只是“花过的钱”。它们共同构成你的个人资产，也记录着你的消费选择、持有周期和价值变化。
【所持】帮你把实物、活钱、基金、股票和日常流水放进同一套资产账本。你可以清楚知道自己拥有什么、现在值多少钱、每件东西每天真实花了多少，以及卖出或清仓后最终留下了什么结果。
► 实物资产｜记录物品完整生命周期
从买入、使用、退役到卖出，持续跟踪每件物品的状态。
• 支持电子产品、收藏品、黄金、外币、家电、家具、交通工具等实物资产
• 记录购买价格、当前估值、分类标签、备注照片和置顶状态
• 支持订单截图 OCR 辅助录入，减少手动填写
• 内置手帐贴纸风图标库，也可使用本地照片作为资产封面  
► 真实日均成本｜看清一件东西到底值不值
所持不只告诉你“买了多少钱”，还会持续计算它的日均成本。
• 服役中资产：按购买价、当前估值和持有天数计算真实消耗
• 已卖出资产：按买入价、卖出价和持有周期结算最终成本
• 盈亏、保值率、持有天数一目了然
• 贵但用得久，可能比便宜却闲置更划算  
► 金融资产｜把持仓和现金流放在一起看
不再把实物和金融分成两本账。
• 支持活钱、定期、基金、股票和其他金融资产
• 基金 / 股票可记录持仓、加仓、减仓、定投、分红和清仓历史
• 支持基金持仓截图 OCR 辅助录入
• 行情数据用于个人估值参考，帮助你观察资产变化  
► 负债管理｜清楚掌握还款进度
• 支持房贷、借款等负债记录
• 查看待还本金、每日利息和还款计划
• 支持记录还款、调整利率与关联实物资产

► 资产洞察｜像管理公司一样管理生活
从“我花了多少”升级为“我拥有什么”。
• 净资产总览：实物估值 + 金融余额 − 待还本金，统一汇总
• 资产画像：看见你的资产结构、集中度和持有偏好
• 月度资产报告：回顾本月资产变化和流水情况
• 月度流水：收入、支出与资产管理分开记录，更清楚  
► 本地优先｜你的资产数据由你掌控
【所持】当前无需账号登录，核心资产、流水、快照和设置默认保存在设备本地。你可以按需使用本地备份、恢复或 iCloud 同步能力。
【所持】—— 让每一件拥有过的东西，都心中有数。
立即下载，开始建立你的个人资产清单。
所持 Pro 可解锁结构诊断、实物高级洞察、持仓行情、资产高级字段、本地备份与恢复和 iCloud 同步。基础资产记录、月度资产报告、抹掉数据和安全设置保持免费可用。
行情数据仅用于个人记录和估值参考，可能存在延迟、缺失或错误，不构成投资建议。请以交易所、基金公司、券商或其他官方渠道数据为准。
自动续订会员会通过你的 App Store 账户自动续订，除非在当前订阅周期结束前至少 24 小时取消。你可以随时在系统账户订阅管理中取消或管理订阅。
隐私政策：https://nvper.com/apps/remember/privacy/
用户条款：https://nvper.com/apps/remember/terms/

## Key features

- Track physical asset lifecycle
- Calculate daily average cost
- Manage financial assets and cash flow
- Monitor debt and repayment progress
- View net worth and asset allocation
- Generate monthly asset reports

## Is 所持 safe?

Not enough ratings yet to assess 所持.

## Is 所持 legit?

所持 - 个人资产管理 & 物品记账 appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for 所持 is 65 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/and/id6762140169/reviews.md

### 5/5 — 所持个人理财

*2026-07-20*

功能齐全，界面美观，使用方便，我很喜欢

## Frequently asked questions about 所持

### What is 所持?

所持 is a personal asset management and item accounting application designed to help users track their physical possessions, financial holdings, and debts. It aims to provide a comprehensive overview of an individual's net worth and spending habits.

### Does 所持 have ads?

No, 所持 does not contain advertisements. The app is ad-free, allowing for an uninterrupted user experience focused on managing personal assets.

### What are the costs associated with 所持?

The basic asset recording, monthly asset reports, data erasure, and security settings of 所持 are free. A Pro version is available via subscription, unlocking features like structural diagnostics, advanced physical asset insights, market data, and cloud synchronization.

### How does 所持 handle data privacy and security?

所持 prioritizes user control by defaulting to local data storage on the device. Users can opt for local backups, restores, or iCloud synchronization for added convenience and data management.

### What types of assets can be tracked in 所持?

所持 supports a wide range of assets, including physical items like electronics, collectibles, and vehicles, as well as financial assets such as cash, funds, stocks, and debts like mortgages and loans.

### How often is 所持 updated?

The latest version of 所持 is 1.1.0, which was last updated on October 23, 2026. Updates typically include new features, bug fixes, and performance improvements.

### What devices is 所持 compatible with?

所持 is available for iPhone and iPod devices. It is designed to provide a seamless experience across these Apple platforms.

### Is 所持 suitable for beginners in finance tracking?

Yes, 所持 offers a free tier that covers essential asset recording and reporting, making it accessible for users new to personal finance management. The Pro version offers more advanced insights for those who want to delve deeper.

## Version history (last 4 releases)

### 1.1.0 — 2026-10-23

新增负债管理：支持记录房贷、借款，查看待还本金、每日利息与还款计划。
支持记录还款、调整利率及关联实物资产。
统一负债与金融资产的页面样式，优化金额展示和选择交互。

### 1.0.2 — 2026-07-27

- 解决了一些已知问题

### 1.0.1 — 2026-07-23

- 解决了一些已知问题

### 1.0.0 — 2026-07-19

No release notes.

## More apps by Beijing Qijian Technology Co., Ltd

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- [Nyctra: Global Risk Map](https://appshunter.io/ios/app/nyctra-global-risk-map/id6791459883)
- [AltitudeNow: GPS Altimeter](https://appshunter.io/ios/app/altitudenow-gps-altimeter/id6793188366)

All apps by Beijing Qijian Technology Co., Ltd: https://appshunter.io/developer/1893107211

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-31.*