流记Flowm vs Wert · Vantage

一个简洁，图表丰富，免费无广的清复式记账软件

Wert is a net worth tracker for people whose assets are spread across accounts, currencies, and countries. We believe managing wealth shouldn't mean logging every transaction. With Wert, you simply take a periodic "snapshot" of everything you own — and instantly see your true net worth, how your portfolio is allocated, and how your wealth grows over time. WHY WERT • Snapshot, don't bookkeep Skip the tedious expense log. A full review takes minutes: Wert pre-fills your last snapshot and live exchange rates, auto-depreciates fixed assets, and auto-amortizes loans. You just confirm what changed. • AI screenshot import Don't type holdings one by one. Screenshot the positions page from your broker or fund app, and Wert recognizes each symbol, quantity, and value for you to review — then builds your accounts in a tap. Multiple scrolling screenshots are stitched and deduplicated automatically. Recognition runs on-device; your screenshots never leave your phone. • Multi-currency, locked FX, true attribution Every snapshot locks that day's exchange rate, so your history never drifts. When you compare two snapshots, Wert separates real asset growth from currency swings — so you finally know whether you actually grew richer, or it was just FX. • Look through your funds What do your funds and ETFs actually hold? Wert looks through to the underlying holdings, separating what you hold directly from what's nested inside funds, so you can see your true exposure by sector and region. • Switch display currency in one tap View everything in CNY, USD, HKD, EUR, JPY, or SGD. Historical snapshots convert at their locked rates, so the numbers stay honest no matter which currency you read them in. • Automatic market quotes A-shares, Hong Kong and US stocks, on-exchange funds/ETFs, and major cryptocurrencies — type a name or ticker, pick it, and the quote and currency fill in automatically. • FIRE retirement simulator Based on your real net worth and your savings and spending assumptions, Wert runs a Monte Carlo simulation to project the probability and timing of financial independence. • Privacy first — your data is yours Your assets and snapshots live only on your device and are never uploaded. Privacy Mode masks every number in one tap, and you can sync over WebDAV or export your data anytime. Download Wert and see your wealth clearly.