Mirupa vs 餘裕 · PICO LEDGER

Mirupa is an expense tracker and budget planner for iPhone with no bank connection and no account. Log a purchase in seconds, see exactly where your money goes, and stay on budget. It works offline, and your records stay on your device, with backup to your own iCloud. TRACK IN SECONDS • Add income and expenses with a built-in calculator keypad • Smart suggestions fill in amount and category as you type ("Coffee 50k" — done) • Custom categories: add, rename, or hide categories to match your life • Attach photos and notes to any transaction BUDGETS THAT KEEP YOU HONEST • Set monthly budgets per category and watch your progress • Get insights before you overspend — spending forecasts and saving tips, computed 100% on your device BILLS & RECURRING • Set up recurring transactions for rent, subscriptions, and salary • They post themselves on the right day — never forget a bill again SEE THE FULL PICTURE • Beautiful charts of your spending by category, month, and account • Multiple accounts and wallets — cash, cards, savings • Track debts and loans, both directions MULTI-CURRENCY • 170+ currencies with exchange rates • Perfect for travel or earning in one currency and spending in another PRIVATE BY DESIGN • 100% offline — works without internet • Lock the app with Face ID or Touch ID • No sign-up, no ads following you around the web IN YOUR LANGUAGE • Available in 31 languages, switchable in-app Download Mirupa free and take control of your money today. — PREMIUM SUBSCRIPTION — Mirupa offers an optional auto-renewable Premium subscription unlocking all current and future premium features (unlimited budgets, no ads, and more): • Weekly • Monthly • Yearly Prices are shown in the app and may vary by region. • Payment is charged to your Apple ID at confirmation of purchase. • Subscriptions renew automatically unless auto-renew is turned off at least 24 hours before the end of the current period. • Your account is charged for renewal within 24 hours prior to the end of the current period. • Any unused portion of a free trial is forfeited when you purchase a subscription that includes one. • Manage or cancel your subscription anytime in your Apple ID Account Settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://bmit-mob.web.app/privacy-policy.html

「餘裕」是一本乾淨、好看、算得清楚的個人帳本。 打開就能記帳，不必註冊、不必登入，資料預設只留在你自己的手機裡。 ■ 每個月一眼看完 本月剩餘、收入、支出、收入使用率，全部在第一個畫面。交易明細可編輯、可刪除，支援自訂分類，收合起來就是一份乾淨的月結。 ■ 儲蓄目標 設定目標金額，每一筆存入都會即時更新進度條，還差多少一目了然。 ■ 貸款與還款追蹤 輸入貸款金額、期數與扣款日，App 會自動產生逐期還款明細；提前還款也記得住，隨時看得到已還多少、還剩多少。 ■ 固定收支 房租、訂閱、保費這類每月固定的項目設定一次，開帳當月自動寫入交易明細。 ■ 年度報告，一鍵轉成 PDF 一整年的收支彙總、每月長條圖、分類佔比，做成 A4 報告書；可以選擇是否附上 1–12 月的完整明細，交給系統列印功能存成 PDF，存到哪裡由你決定。 ■ 三種語言、四種主題 繁體中文／English／日本語；暖、白、夜，還有一個藏起來的 PRIVÉ。 ■ 雲端同步：我們看不到你的帳本 這是選用功能。啟用後，帳本會在離開手機「之前」就先加密，我們的伺服器只存得到連我們自己也解不開的密文——不是「我們保證不看」，是技術上做不到。你可以隨時在設定裡刪除帳號，伺服器上的加密副本會一併消失。 ■ 關於廣告與付費 App 免費，靠廣告支撐。不想看廣告可以一次性買斷「去廣告」；「終身解鎖」則同時包含去廣告與雲端同步。都是買斷，沒有訂閱。