Networth淨資產 vs BYOSW

這是一份給現代投資者的資產管理工具。支援全球股票、匯率更新，一眼就能知道當前淨資產狀態。 主要功能： 全球資產一鍵同步：支援台股、美股、英股、日股、港股、韓股、境內外基金、加密貨幣、匯率價格更新。 多種金融工具模擬：蒙地卡羅模擬、質押計算、保單借款計算、FIRE提領模擬、複利功能計算、金流管理系統。 資產健康診斷：即時監控現金水位與槓桿風險。 隱私安全第一：支援 Face ID 鎖定，所有財務資料僅儲存在您的手機本地。 簡約優雅介面：櫻花粉與經典黑多主題切換。 Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

byosw is built for the times you spend money with other people — group trips, shared rent and utilities, dinners with friends, gifts for someone, family expenses. It tracks who paid, who owes whom, and settles with the fewest transfers. 【Sound familiar?】 • Eight friends took turns paying on a trip, and now nobody can untangle the currencies. • Roommates split utilities, but the bill is different every month and someone always feels shortchanged. • Dinner for six, but two skipped the appetizers and one didn't drink — splitting evenly isn't fair. • A group gift where everyone chipped in different amounts. • You spotted a friend a cab fare three months ago and forgot. byosw handles all of these. 【How it fits real life】 • Travel: Create a "Tokyo Trip" group, log expenses as they happen. At the end, byosw tells you who should transfer what to whom — usually two or three transfers settle the whole trip. • Roommates: Create an "Apartment" group, split utilities by your preferred ratio (room size, headcount, or usage), and clear it month-end with one tap. • Dinners: Open the app at the table, enter amounts and pick who joined — people who didn't come don't pay. Shared appetizers and individual drinks both work cleanly. • Reimbursements: The Friends tab aggregates debts across all your groups, so you see at a glance who owes you and who you owe. • Multi-currency: Yen for souvenirs, TWD for the hotel, USD for the taxi — auto-converted to your preferred currency. 【Why byosw】 byosw covers every step of splitting expenses in one place: • Four split methods: equal, exact, percentage, shares • Live multi-currency conversion • Smart settlement (minimum transfers to clear all debts) • Real-time push notifications, activity history, friend system • Three sign-in methods, three languages, light/dark themes Settle the money, then go enjoy each other's company. 【Privacy】 byosw does not collect your precise location, and does not sell or rent your data to third parties. Receipt images stay on your device only and are never uploaded to our servers. Full privacy policy: https://byosw.fcreps.com/privacy/ 【Account Deletion】 Delete your account anytime via "Account → Danger zone → Delete account" within the app. Personal data is removed immediately. 【Support】 Questions or feedback: support@fcreps.com