# Eutel

> Eutel (iPhone/iPad app by 娟 曹.)

- Source: https://appshunter.io/ios/app/eutel/id6806679630 (this page in markdown: same URL + `.md`)
- Developer: [娟 曹](https://appshunter.io/developer/6785720023)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 16.0 · 6 MB
- Languages: American English
- Released: 2026-09-17
- Data updated: 2026-10-26

## What is Eutel?

EU is a personal retirement planning tool for professionals with assets in both the US and China.

WHAT EU DOES:
• Net worth dashboard — cash, retirement accounts, real estate, and virtual assets in one view
• Multi-currency support — seamlessly tracks USD and CNY with live exchange rates
• Income tracking — monthly salary, 401(k), HSA, stock grants, and side income
• Expense tracking — categorize spending as essential or non-essential
• Retirement accounts — 401(k), Roth IRA, HSA, China pension, housing fund
• Retirement calculator — find the earliest date you can retire based on the 4% rule
• Investment tracker — fixed deposits, dividend stocks, brokerage accounts with YTD returns

YOUR DATA, YOUR PRIVACY:
All data is stored securely in your personal account. No ads, no data selling.

Note: For personal reference only. Not financial advice.

## Is Eutel safe?

Not enough ratings yet to assess Eutel.

## Is Eutel legit?

Eutel has limited verification signals. The AppsHunter Legitimacy Score for Eutel is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 2 releases)

### 26.02.01 — 2026-09-30

Financial Report Export
Export a comprehensive financial snapshot in Markdown, CSV, or PDF — includes asset breakdown, cash flow reconciliation, geographic allocation, realized P&L, and a full Investment Portfolio section with Fixed Income and Equity YTD returns.

Multi-Country Income Tracking
Income page now supports US (401k / HSA), China (公积金 / 医保), and Germany (BAV / VWL) — each country shows the relevant contribution fields. Historical records from previous countries are preserved.

German BAV Support
Betriebliche Altersvorsorge (BAV) is now recognized as an investment account and included in equity tracking alongside 401k and Roth IRA.

Accurate YTD Return Calculation
Equity weighted return now uses cost basis including year-to-date contributions as the denominator — consistent across the Plan page and all export formats.

Bug Fixes & Improvements

Email confirmation now redirects back to the sign-in screen automatically
Show / hide password toggle on login
Exchange rate loading fixed on cold start
Plan page retirement projection now uses the correct work-country income only
Share sheet no longer freezes the app when returning from another app

财务报告导出
支持导出 Markdown、CSV、PDF 三种格式的完整财务报告，包含资产明细、现金流对账、地区/货币配置、已实现盈亏，以及固定收益和权益投资的 YTD 回报分析。

多国收入记录
收入页面现支持美国（401k / HSA）、中国（公积金 / 医保）、德国（BAV / VWL）三个国家，按工作地自动显示对应缴纳字段，历史记录完整保留。

德国 BAV 支持
企业养老金（BAV）现已作为投资账户纳入权益追踪，与 401k、Roth IRA 并列显示。

YTD 收益率计算修正
权益加权回报率现以「年初余额 + 年内缴纳额」为分母计算，规划页和导出报告数值一致。

修复与优化

注册后确认邮件可自动跳回登录页
登录页新增密码显示/隐藏切换
冷启动时汇率加载异常修复
规划页退休估算仅计入当前工作国的收入
分享文件后返回 App 不再卡死

### 1.0 — 2026-09-17

No release notes.

## Apps similar to Eutel

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [TakeProfit Pro: Coin TP Calc](https://appshunter.io/ios/app/takeprofit-pro-coin-tp-calc/id6752890162) | — | Free | Finance |
| [Aiyuan.ai](https://appshunter.io/ios/app/aiyuanai/id6762483125) | — | Free | Finance |
| [Maturity Ledger: Deposit Log](https://appshunter.io/ios/app/maturity-ledger-deposit-log/id6796212892) | 5.0 (1) | Free | Finance |
| [Int'l Bank of Chicago](https://appshunter.io/ios/app/intl-bank-of-chicago/id1439588562) | 4.8 (321) | Free | Finance |
| [Mobius Social](https://appshunter.io/ios/app/mobius-social/id6746957615) | 5.0 (6) | Free | Finance |
| [Coast: Budget & FIRE](https://appshunter.io/ios/app/coast-budget-and-fire/id6793885422) | 5.0 (1) | Free | Finance |

---

*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 2026-10-26.*