Spendro vs JTL股息管家婆婆

Spendro helps you record, understand, and manage your finances effortlessly with a privacy-first approach. Designed for clarity and speed, Spendro adapts to your lifestyle, giving you full control over your financial data. Record Transactions Your Way - Fast Manual Entry: Log transactions in seconds with an intuitive interface. - Location Awareness: Spendro can remember your frequent spots and automatically pre-fill transaction details to save you time. - Split Expenses: Categorize a single transaction into multiple categories for precise tracking. - Rich Records: Save photos, notes, and receipts with every entry. - Recurring Rules: Easily automate and manage your regular expenses—set it once, and let Spendro handle the rest. Understand Your Money - Comprehensive Tracking: Monitor your spending, income, and account balances in one place. - Visual Insights: Gain clarity through clear, visual reports like Cash Flow and Expense Trends. - Flexible Budgets: Build customized budgets that actually work for your financial goals. Share and Collaborate - Shared Wallets: Invite family members or partners to manage finances together. - Real-Time Updates: Keep everyone on the same page with seamless data sharing. Access Anywhere - Multi-Device Sync: Use Spendro across all your devices—everything stays perfectly in sync. - Offline Mode: Log transactions anytime, anywhere, even without an internet connection. Privacy and Security - Data Ownership: You stay in full control. Your financial data remains private and secure under your own management. - Privacy First: Your information is never sold or shared with third parties. Spendro makes personal finance simple, visual, and straightforward. Start tracking your money today and take control of your finances! Subscription Information This app offers auto-renewable subscriptions that unlock premium features such as advanced budgeting, multi-device sync, and detailed financial insights. Spendro Plus – Essential budgeting tools for individuals Spendro Pro – Full access for power users and families Duration: Monthly or Yearly (auto-renewable) Price: Displayed in-app and varies by region. Auto-Renewal: Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime from your Apple ID account settings after purchase. Privacy Policy and Terms of Use Privacy Policy: https://www.spendro.ca/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

「JTL 股息管家婆婆」是潔特力樂器社做的台股除權息規劃工具。婆婆不是真人理專,而是把追配息、排日曆、算搬錢路這些瑣事幫您自動化的小幫手 — 您只管聰明領息,雜事交給婆婆。 【為什麼跟其他股票 APP 不一樣】 ■ 主打「搬錢路」,不是看盤 市面上多數股票 APP 是即時報價、K 線、技術分析。本 APP 不做這些。我們專注一件事:把同一筆錢在多檔除息事件之間滾動利用,規劃出一條「搬錢路」(股息趕場輪動)。 ■ 婆婆的人設 婆婆是老派財經阿姨,口氣口語有溫度。會嘮叨、會叮嚀、會幫您想稅金跟二代健保。第一次開 APP 會問您要被稱呼少爺/大小姐/老爺/夫人/主人/還是自訂稱呼。 ■ 三層訂閱(可選) - 免費版:基本搬錢路規劃、看廣告解鎖每週主打、底部橫幅廣告 - VIP NT$69/月(NT$690/年):完整精選池 18 檔依即時殖利率動態排序、通知顯示股票名稱、免規畫前廣告 - VVIP:全市場掃股 — 敬請期待 【核心功能】 ■ 除權息日曆 台股 80+ 主流檔(0050/0056/00919/00929/00878 等 ETF + 績優金融股 + 龍頭股),預估配息資料內建。也可手動加入任何股票自訂配息。 ■ 搬錢路規劃 按一下「讓婆婆開始規畫」,婆婆會根據您的持股 + 重點關注名單,把同一筆資金規劃成最多三條路線: - 主路線:殖利率最高、衝突日的最強者 - 路線 2/3:衝突日分流,避免單筆超過 2 萬觸發二代健保補充保費(2.11%) - 多週期 ETF 自動展開全年(月配 12 次、季配 4 次、半年配 2 次) - 空檔資金暫放選擇(預設 00939,殖利率最高) ■ 雙版本試算 - 「超完美理想版」:照預估配息全額計算 - 「正常易達成版(建議)」:配息打 85 折、每站 0.5% 交易成本、單筆 > 2 萬扣 2.11% 二代健保 - 兩張卡並列,看保守版做決策即可 ■ Top 25 假高息陷阱保護 - 殖利率 5-12% 綠色(正常) - 12-18% 橘色(可能含一次性配發) - 大於 18% 紅色(極端值,大概率不可持續) - 加入時跳對話框二次確認 ■ 夜盤雷達 半夜美股大跌、台股 ETF 隔天可能受影響時,早上 6 點自動推播摘要,讓您出門前掌握。 (iOS 端:需要每天打開 APP 一次以維持背景更新) ■ 婆婆夜盤快報分享圖 一鍵出圖,可分享到 LINE/IG。圖上自動帶 APP 署名。 ■ 真值殖利率(VIP) 公開的「預估殖利率」常被一次性配發拉高,VIP 看到的是去除一次性配發後的「真值」殖利率。例如永崴投控 (3712) 表面 18%,真值約 8%。 【關於資料來源】 - 即時報價:TWSE 公開介面 MIS - 歷史配息:FinMind 經由 GitHub Actions 中央 cache,APP 不直接打 FinMind(token 不暴露) - 殖利率排序:每天 06:00 台北自動更新 【關於隱私】 - 持股、規畫、稱呼全部存在裝置本機(SQLite),不上傳 - 不收集個資、不要求登入、不綁信箱 - 移除 APP 即清除所有資料 - 廣告由 AdMob 提供,如不希望追蹤,iOS 系統會詢問是否允許 【關於本 APP 的法規定位】 本 APP 是「個人資訊整合與規畫工具」,不下單、不代操、不薦股、不保證獲利。 配息日曆與殖利率排序是公開資訊的整理呈現,不構成投資建議。 所有買賣決策由您自己負責。 【適合誰】 - 領了一陣子股息,但記不住哪檔什麼時候除息 - 有 3-5 檔以上 ETF,想知道一筆錢怎麼滾最划算 - 想避開 12% 以上假高息陷阱 - 想用月配/季配 ETF 規畫穩定現金流 - 不想花時間自己算稅與二代健保 【聯絡】 contact@jieterlimusic.uk 潔特力樂器社 Jieterli Music www.jieterlimusic.uk 使用條款 (EULA)：https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ 隱私政策：https://jieterlimusic.uk/dividendnavigator/privacy.html