SpendBen vs Offer Compare

SpendBen helps you get more from the credit cards you already have. It uses your location to identify where you’re shopping and recommends which card to use based on the rewards you want to earn. Want airline miles? Cash back? Points? Tell SpendBen what matters to you and get a recommendation before you pay. KNOW WHICH CARD TO USE Open SpendBen when you’re ready to pay. It uses your location to identify the store, restaurant, or other business you’re visiting. If the location isn’t quite right, simply choose from nearby places. SpendBen then looks at the cards you’ve added and tells you which one to use based on your rewards goal. EARN THE REWARDS YOU WANT Different cards reward different purchases — and the right card depends on what you’re trying to earn. Set your rewards goal and let SpendBen help you earn more of what matters to you, including: • Airline miles • Cash back • Credit card points • Other card rewards GET MORE FROM THE CARDS YOU ALREADY HAVE You don’t need another credit card. You need to get more from the cards already in your wallet. SpendBen helps you take advantage of different rewards for dining, groceries, gas, travel, shopping, and everyday purchases — without memorizing which card earns what. Add your cards once. Set your goal. Then check SpendBen before you pay. LOCATION-AWARE CARD RECOMMENDATIONS At a restaurant? Grocery store? Gas station? Coffee shop? SpendBen identifies where you are and recommends a card for that purchase. If you’re choosing between nearby businesses, you can select the place yourself. No digging through card benefits. No memorizing rewards categories. No guessing at checkout. SpendBen — spend smarter and get more from every purchase.

Zero ads. Fully offline. No sign-up required. All data stays on your phone. Offer A versus Offer B: take-home pay, housing fund, annual package and a decision score, all on one page. Not just another salary calculator, but a decision tool that tells you which offer to accept. You have two or three offers on the table. Does the one with the higher monthly salary really pay more? Offer Compare is built for campus recruiting season and job changers. Enter each offer's salary structure, get the after-tax take-home pay, housing fund income, expected total package and real hourly rate, then get a weighted decision score with a recommendation. Do not choose by gut feeling this recruiting season. Core Features One, weighted decision scoring. Score every offer on annual take-home pay, housing fund income, real hourly rate, overtime level, commute time and personal preference, with custom weights. The app computes a composite score and recommends the winner. Salary is only part of the decision; put everything on the same scale. Two, multi-offer side-by-side comparison. Each offer gets its own column. Monthly salary, take-home pay, annual total package, real hourly rate and housing fund are compared row by row, with the best value in every row highlighted and the gap shown clearly, for example, Offer A pays 36,000 yuan more per year than Offer B. Export a comparison report image to share with friends. Three, annual bonus risk adjustment. A promised bonus is not guaranteed money. Discount it by the company's payout probability to get the expected total package, and see the worst-case floor at the same time. The bonus supports both separate taxation and combined taxation, and the better method is picked automatically. Four, housing fund ratio comparison tool. For the same offer, compare all eight housing fund ratios from 5 percent to 12 percent side by side: how much less lands in your pocket each month, and how much more goes into your housing fund account. Now you can price what two extra percentage points are worth in a salary negotiation. Five, full-year take-home curve. Using the cumulative withholding method, a line chart shows how your monthly take-home pay decreases over all 12 months. Stop looking at static first-month numbers. Six, tripartite agreement tracker. Record the signing status and penalty amount of each offer, see the cost of breaking an agreement at a glance, and juggle multiple offers safely during campus recruiting season. Seven, real hourly pay with working hours adjustment. Enter your weekly working hours and the hourly rate is calculated on real time. An offer with higher monthly pay but a 996 schedule may actually pay less per hour. Eight, city social insurance parameters. Built-in FY2025 social insurance and housing fund parameter packs for 29 cities including Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou and Chengdu. Parameter versions are clearly labeled and updated with app releases. Base salary plus variable pay structures, custom contribution bases and ratios are supported. Product Highlights Zero ads, no third-party ad SDK Fully offline, no network requests at all No sign-up, no login, no third-party tracking All data stored on your device only, never leaves your phone English and Chinese, dark gold financial design Free version compares up to 2 offers, core features fully usable Pro is a one-time purchase of 6 CNY. Unlock unlimited offers, weighted decision scoring, comparison report image export, JSON data import and export, plus custom contribution bases and ratios and bonus dual-tax comparison. No subscription. Yours forever. Do not choose by gut feeling this recruiting season. Do the math first.