# Investing and Rebalancing — XIRR Returns,Pledge Management

> XIRR Returns,Pledge Management (iPhone/iPad app by CHIA HAO CHANG.)

- Source: https://appshunter.io/ios/app/investing-and-rebalancing/id6759631692 (this page in markdown: same URL + `.md`)
- Developer: [CHIA HAO CHANG](https://appshunter.io/developer/1879951081)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 31 MB
- Languages: English, Chinese
- Released: 2026-03-02
- Data updated: 2026-06-28
- User reviews in markdown: https://appshunter.io/ios/app/investing-and-rebalancing/id6759631692/reviews.md

## What is Investing and Rebalancing?

Rebal is a portfolio management tool built specifically for index investors. Managing your portfolio shouldn't be complicated. Rebal helps you track US stocks, gold, ETFs, and sub-brokerage assets in the simplest way possible, offering automated rebalancing suggestions to keep your asset allocation right on target.

— At-a-Glance Dashboard — 
・Net worth, total assets, and total liabilities displayed on a single, clean card. 
・Interactive pie charts for a real-time view of your asset distribution.
・Asset growth trend charts supporting timeframes from 1 week to "All Time." 
・Precise calculation of Total Return and Annualized Return (XIRR). 

— Buy Low, Sell High • Smart Rebalancing — 
Switch between Accumulation and Retirement modes with just one tap: 【Accumulation Phase】 Enter your planned investment amount, and Rebal automatically calculates which assets to add and how many shares to buy, ensuring your portfolio stays perfectly aligned with your target allocation. 【Retirement Withdrawal】 Input your required monthly living expenses, and Rebal tells you exactly which assets and how many shares to sell, while securely managing your maintenance margin to prevent margin calls.

— Painless Import • Brokerage Statement Support — 
・CSV Import: Supports statements from major brokers like Fubon, Cathay, Yuanta, and more. ・OCR Scanning: Snap a photo of your statement to automatically recognize transaction details. ・Smart Matching: Auto-detects duplicate transactions to avoid double-counting. ・Example Downloads: Built-in CSV templates make getting started a breeze.

— Margin Loans & Risk Management — 
・Stock Margin Loan Tracking: Real-time monitoring of your maintenance margin. ・Traffic Light Warning System: Clear Safe, Warning, and Danger indicators. ・Margin Call Price Calculation: Always know your risk boundaries. ・Amortized Loan Support: Automatically generates monthly repayment schedules. ・Repayment Reminders: Never miss a due date again.

— More Thoughtful Features — 
・Dividend Management: Auto-loads dividend records with options for cash payouts or reinvestment (DRIP). ・Multiple Portfolios: Manage multiple accounts simultaneously. ・Face ID / Touch ID Lock: Keep your financial privacy secure. ・Dark Mode: A comfortable, eye-friendly experience. ・iCloud Sync: Seamlessly migrate data across devices (Premium).

— Privacy First • Zero Servers — 
Your financial data lives exclusively on your iPhone. Rebal uses zero servers, collects zero data, and tracks zero behavior. All calculations are performed entirely on-device for genuine privacy protection.

— Subscription Plans — Enjoy basic asset tracking and rebalancing features completely free.

Upgrade to Premium to unlock the full experience: ・Monthly Subscription: NT$60/month ・Annual Subscription: NT$590/year (Just NT$49/month — save 18%) ・Lifetime Access: NT$1,490 (Pay once, use forever)

All plans come with a 7-day free trial. You can cancel at any time. Payment will be charged to your iTunes Account. Subscriptions automatically renew unless auto-renew is turned off at least 24-hours before the end of the current period. You can manage or cancel your subscription anytime in Settings > Apple ID > Subscriptions.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ 
Privacy Policy: https://percy10442.github.io/rebal-legal/privacy.html

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Rebal Pro Monthly | $3.99 | per month |
| Rebal Pro Yearly | $29.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Rebal Pro Lifetime | $79.99 | one-time |



## Version history (last 5 releases)

### 6.2 — 2026-06-08

This update improves anonymized diagnostics for iCloud sync failures, helping us identify data-shape issues more precisely.

Diagnostics do not include portfolio names, ticker symbols, transaction amounts, notes, raw UUIDs, or CloudKit record IDs. This update does not retry sync, reset iCloud, write to CloudKit, or modify user data.

### 5.8 — 2026-05-31

Version 5.8 focuses on iCloud sync diagnostics and reliability tracking:

- Added privacy-conscious diagnostics for CloudKit sync failures to help identify the underlying cause behind CKErrorDomain Code=2.
- Kept the existing sync flow unchanged: no automatic retry, no iCloud reset, and no user data modification.
- Improved post-release issue tracking so sync problems can be analyzed and fixed faster.

### 4.9 — 2026-05-22

- Significantly improved performance during large CSV imports and iCloud sync
- Optimized portfolio trend charts and historical price caching to reduce recalculation delays
- Added NAV display and scheduled updates for Taiwan ETFs
- Improved price refresh, dashboard calculation, and background sync behavior
- Fixed issues where incomplete historical or gold price data could affect trend charts

### 4.7 — 2026-05-12

- Fixed remaining Chinese text appearing when the system language is set to English
- Improved referral code redemption reliability and error handling
- Fixed free plan asset limit detection
- Improved add-asset and subscription prompt behavior
- Fixed several macOS layout and text wrapping issues
- Other stability and usability improvements

### 4.1 — 2026-04-28

4.1 Update
• Added bottom banner ads to the free version to assist with ongoing maintenance and development.
• No ads during the 7-day trial period, monthly/annual subscriptions, and lifetime purchase plans.
• Upgraded "Lifetime Purchase" for a one-time payment that permanently removes ads.
• New Charles Schwab OCR recognition example (US stock statement).
• Multiple detail optimizations and stability improvements.

## More apps by CHIA HAO CHANG

- [PriceUnit - AI Price Scanner](https://appshunter.io/ios/app/priceunit-ai-price-scanner/id6760330933)

All apps by CHIA HAO CHANG: https://appshunter.io/developer/1879951081

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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 2026-06-28.*