# Laicai 来财: Portfolio & Budget — Stocks, funds, spending & AI

> Stocks, funds, spending & AI (iPhone/iPad app by Beijing Tianxin Bale Technology Co., Ltd..)

- Source: https://appshunter.io/ios/app/laicai-portfolio-and-budget/id6797897140 (this page in markdown: same URL + `.md`)
- Developer: [Beijing Tianxin Bale Technology Co., Ltd.](https://appshunter.io/developer/6797897143)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 16.4 · 60 MB
- Languages: American English
- Released: 2026-09-24
- Data updated: 2026-11-06

## What is Laicai 来财?

Laicai keeps your whole financial picture in one ledger: investments across markets, cash, savings, debts and everyday spending — then lets Laicai AI answer questions from your own real data. No ads, no community, no stock tips.

ALL YOUR WEALTH IN ONE PLACE
Record China A-shares, Hong Kong stocks, US stocks, funds and precious metals side by side. Prices update by market and everything converts to CNY. Cash, credit cards and brokerage accounts are grouped so net worth, total assets and total liabilities are clear at a glance.

RETURNS, UPDATED DAILY
• Profit calendar: one cell per day, see your daily gains and losses
• Return analysis: money-weighted return, cumulative curve, realized and unrealized P&L, P&L ranking
• Allocation: asset distribution by market value and weight

BUDGETS THAT HOLD
Monthly income and spending, custom categories, monthly and per-category budgets with used and remaining amounts. Import Alipay and WeChat bills; duplicates are skipped and every mapping can be reviewed.

RECORD IN SECONDS
Hold "Add" and speak, or snap a trade confirmation, receipt or payment screen. AI turns it into a draft you check before it is saved.

AUTOMATIC RECORDS
• Fund auto-investment plans recorded on schedule
• Recurring entries for rent, repayments and salary
• A-share cash dividends and bonus shares synced automatically

LAICAI AI
Ask about your real holdings, accounts, trades and spending, by text or voice. The Premium deep engine brings cross-market data and professional finance skills into multi-step analysis of your own portfolio.

PEACE OF MIND
• Sign in with Apple, WeChat, phone code or email
• Dark and light themes, Chinese and English interface, privacy mask to hide amounts
• Export your data any time; delete your account in More → Delete account

PLANS
Recording and analysis are free forever; new users get a 7-day trial of Standard.
• Free: asset and spending records, wallets, budgets, profit calendar and statistics
• Standard: everything in Free, plus voice and screenshot entry, Alipay and WeChat bill import, auto-investment plans, recurring entries and Laicai AI basics
• Premium: everything in Standard, plus the Laicai AI deep engine, high-quality cross-market data and in-depth analysis

Prices are shown on the subscription page. Subscriptions renew monthly and are charged to your Apple Account. They renew at the same price unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel in Settings → Apple Account → Subscriptions.
Terms of Use: https://laicai.tianxinbale.com/user-agreement
Privacy Policy: https://laicai.tianxinbale.com/privacy
Content from Laicai AI and the deep engine is AI-generated, for reference only, and is not investment advice.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| 尊享版 | $14.99 | per month |
| 标准版 | $0.99 | per month |


## Is Laicai 来财 safe?

Not enough ratings yet to assess Laicai 来财.

## Is Laicai 来财 legit?

Laicai 来财: Portfolio & Budget has limited verification signals. The AppsHunter Legitimacy Score for Laicai 来财 is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 3 releases)

### 1.5.2 — 2026-10-29

· New simple and standard modes, chosen on first launch. In simple mode, trades, quick entries and screenshot entries don't ask for an account — you just record holdings and spending. Standard mode links every entry to an account and keeps its balance in sync
· Switch anytime in More → Preferences → Tracking mode. When you switch back to standard mode, the simple-mode “Investments” and “Unlinked” accounts become regular accounts
· A single investment account now shows returns in its own currency: daily P&L, the profit calendar, return analysis and P&L ranking for a HKD or USD account are calculated in HKD or USD, with no exchange-rate moves mixed in
· Assorted display and usability fixes

### 1.5.1 — 2026-10-21

· Full English support: the app, Laicai AI chat and asset names now come in English. Outside mainland China, Hong Kong and Taiwan the app opens in English by default
· Display currency can be US dollars or Hong Kong dollars: totals, returns, analytics, bookkeeping, budgets and recurring entries all follow it, and Laicai AI answers in it too
· Multi-currency investment accounts: hold CNY, HKD and USD in one brokerage account, transfer across currencies, and auto-exchange when a buy needs more cash
· Easier screenshot review: recognized trades are grouped by asset, and you can delete a whole group or a single entry and undo it
· Dividend, distribution and withholding-tax records can be edited and deleted
· Analytics now include cash, list every legend item and label the donut more clearly
· New preference for holding P&L: unrealized or cumulative
· New "Rate Laicai" row under More → About
· Assorted display and usability fixes

### 1.5.0 — 2026-09-24

No release notes.

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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 2026-11-06.*