# 家底快照 - 家庭资产负债表 — Family balance sheet in 3 min

> Monthly family balance sheet tracker for net worth and debt overview. (iPhone/iPad app by 剑锋 易.)

- Source: https://appshunter.io/ios/app/id6804395340 (this page in markdown: same URL + `.md`)
- Developer: [剑锋 易](https://appshunter.io/developer/1889975897)
- Category: Lifestyle, Finance
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 18.0 · 2 MB
- Languages: Chinese (Simplified, China)
- Released: 2026-09-08
- Data updated: 2026-10-03
- Monetization: free

## What is 家底快照?

Most expense trackers get abandoned inside a month.
JiaDi asks for three minutes, once a month, and only for the balances that changed.
It answers "what do we own, what do we owe, and which way is our net worth going" - not "what did I spend on coffee today".

The coffee is not what decides whether a household can absorb a shock.

SEVEN PLAIN-LANGUAGE CATEGORIES
No "current assets", no "interest-bearing instruments":
- Money you can use today: current accounts, wallets, cash
- Money you have put away: stocks, funds, term deposits, gold
- Money you cannot reach yet: pension accounts, insurance cash value
- Property and big items: home, car, other valuables
- Money owed to you: lent to friends, deposits, unreimbursed expenses
- Bills due soon: credit cards, short-term consumer credit
- Long-term loans: mortgage and car loan, as principal outstanding

Each says what belongs in it: insurance at surrender value, not premiums paid; a mortgage as principal outstanding, not every payment still to come. Get those wrong and the picture looks normal - it is just not true.

FROM MONTH TWO IT IS CLOSER TO 30 SECONDS
Every figure carries over by default, so you open only the two or three lines that moved, grouped into Calculated for you, Carried over, and Changed this month.
Anything untouched for three months is flagged "N months since updated". Effortless, but not pretending.

TWO NUMBERS YOU NEVER HAVE TO LOOK UP
Mortgage: enter amount, term, rate, start month and repayment type once. The principal then steps down every month on its own, with no trip to your bank's app. Paid extra? Type the new figure; the schedule re-anchors to it.
Car: depreciated smoothly from purchase price and date, so no cliff every January and no fake step in your trend line.

FOUR HEALTH CHECKS
- Debt-to-asset ratio
- Months of expenses your liquid money would cover
- Share of assets that earn a return
- Monthly loan repayment as a share of income

Each does two things: states your number, and states the range commonly cited alongside it. It never tells you what to do, and never names a product or an institution.

RISING, OR BEING EATEN BY DEBT?
From your last five records, one sentence: growing, flat, eroded by debt, or assets shrinking.
"Eroded by debt" is why this exists. Savings climb every month, debt climbs faster, net worth quietly falls - invisible while you stare at the individual numbers.

A BALANCE SHEET YOU CAN HAND TO SOMEONE
Export a real PDF: assets left, liabilities plus net worth right, both columns totalling the same figure so a reader can check it. This period, last period, the change, and footnotes on how each line was measured. For a partner, an accountant, or a bank.

Record monthly, every two months, or quarterly. Reminders follow whichever you pick.

PRIVACY IS THE ARCHITECTURE, NOT A PROMISE
- No networking code in this app. No URLSession, no third-party SDK, no analytics
- No account, no server, no sign-up, no phone number
- Switch on aeroplane mode and every feature still works
- iOS complete file protection: once the phone is locked, not even the app can read it
- Face ID / Touch ID app lock, and a masking mode that turns amounts into dots
- Encrypted backup export (AES-256-GCM, your own password) for a new phone

We collect nothing. Not as a policy choice, but because no route exists.

Privacy policy: https://b307976752.github.io/jiadi-privacy/

IMPORTANT
JiaDi summarises data you entered yourself, alongside general reference ranges from public guidance. It does not constitute investment advice, financial advice or professional opinion. Loan principal, vehicle values and repayments come from formulas and may differ from your bank's or the market's actual figures; the institution's own statements are authoritative.
The exported PDF is not encrypted. Keep it as you would a paper bank statement.

## Key features

- Monthly balance sheet tracking
- Simplified asset and liability categories
- Automatic mortgage and car depreciation calculation
- Four financial health checks
- Net worth trend analysis
- PDF export for sharing
- Customizable update reminders

## Is 家底快照 safe?

Not enough ratings yet to assess 家底快照.

## Is 家底快照 legit?

家底快照 - 家庭资产负债表 appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for 家底快照 is 65 out of 100 points across 7 verification signals from App Store and developer data.


## Frequently asked questions about 家底快照

### What is 家底快照?

家底快照 is a personal finance app designed to help you track your household's net worth and debt. It focuses on monthly updates of asset and liability balances rather than daily expense tracking.

### How often do I need to update 家底快照?

You can choose to update monthly, every two months, or quarterly. The app provides reminders based on your chosen frequency. From the second month onwards, updates typically take around 30 seconds.

### Does 家底快照 calculate mortgage and car payments automatically?

Yes, 家底快照 automatically steps down your mortgage principal each month based on the initial details you provide. It also smoothly depreciates your car's value from its purchase price and date.

### What financial health checks does 家底快照 offer?

The app provides four key health checks: debt-to-asset ratio, months of expenses covered by liquid money, share of assets earning a return, and monthly loan repayment as a share of income.

### Can I share my financial information with others using 家底快照?

Yes, you can export a PDF of your balance sheet. This PDF includes your assets, liabilities, net worth, changes from the previous period, and footnotes on how each line was measured, making it suitable for sharing with a partner, accountant, or bank.

### Is my financial data secure with 家底快照?

Privacy is a core architectural principle of 家底快照. It has no networking code, no third-party SDKs, no analytics, no account, no server, and no sign-up, meaning your data stays entirely on your device.

### What devices does 家底快照 support?

家底快照 is available for iPhone and iPad, indicated by its support for these devices.

### How does 家底快照 compare to other expense tracking apps?

Unlike apps that focus on daily spending, 家底快照 emphasizes a high-level overview of your financial health by tracking only changes in your assets and liabilities, requiring minimal monthly input.

## Version history (last 1 release)

### 1.0 — 2026-09-08

No release notes.

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All apps by 剑锋 易: https://appshunter.io/developer/1889975897

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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 2026-10-03.*