Beobank Pay vs WealthAxis

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A losing streak in the market and a heavy month at home come out of the same pocket. They are almost never written down in the same place. WealthAxis is a trading journal and a private record of everything around it — what you own, what you owe, what you spend, what you trade, and what carrying it costs your health. Everything stays on your phone. There is no broker connection, no market data, and nothing is uploaded unless you ask for it. WHAT YOU RECORD Trading — log any instrument with the setup and the state of mind behind it, and the charges the trade actually cost. Win rate, profit factor, expectancy, average win against average loss, streaks and drawdown, all computed from your own entries and all net of what the broker took. Wealth — property, deposits, bank balances, funds and business, each as its own holding. See concentration, how much is actually liquid, and how many months your liquid sources would cover. What you owe — home, vehicle, personal and education loans, card balances and anything else you carry, with the monthly payment. Net worth is what is left after them, and it is allowed to be negative. Spending — a ledger with monthly and per-category limits you set. Burn pace against the month, category concentration, and how this month compares with the last. Goals — a car, a child's education, a home, a trip, an emergency fund. Each knows what it costs and works out when you reach it from the rate you are actually funding it. Health — weight, water, steps and medicines, with reminders for each dose. Building wealth under pressure is paid for in health, and that belongs beside the money. WHAT IT WILL NOT DO No tips, no signals, no predictions, no advice. Every figure comes from something you entered, and the app says which records each one came from. It will warn you when a trade crosses a limit you set for yourself, and it will never refuse to record a trade you actually took. YOUR DATA Everything lives on your device. Export a full backup or a spreadsheet whenever you like. Cloud backup is encrypted on your phone before it leaves — we cannot read it, and we cannot reset the passphrase. Choose your own currency; figures are relabelled, never converted. Market hours, trading sessions and the inflation used in projections follow the currency you keep your book in. WealthAxis is a record-keeping tool. It is not a broker, receives no market data, and is not registered as an investment adviser, broker or financial institution with any regulator. Nothing in it is a suggestion to buy, sell or hold any security.