Expense Tracker vs 十月记账

Expense Tracker: Koala is a minimalist bookkeeping app that keeps every transaction crystal clear. ▶ EFFORTLESS BOOKKEEPING Record income, expenses, and transfers in seconds. Parent-child categories and tags keep everything organized. ▶ CALENDAR OVERVIEW View daily income and expenses on a monthly calendar. Tap any date to see detailed transactions. ▶ PROFESSIONAL ANALYTICS Pie charts, bar charts, and trend graphs analyze your spending by category, tag, or account. ▶ MULTI-ACCOUNT MANAGEMENT Support for cash, bank cards, credit cards, e-wallets, and more — with balance tracking and credit card billing cycles. ▶ MULTI-CURRENCY & EXCHANGE RATES Built-in global currency support with real-time exchange rate updates, so international spending is always accurately tracked. ▶ IMPORT & EXPORT Import from WeChat, Alipay, or CSV templates. Export to CSV/Excel for flexible data portability. ▶ CLOUD SYNC Sign in to sync across all your devices in real time. Never lose your data when switching phones. ▶ SCHEDULED BOOKKEEPING Set recurring rules for rent, salary, and more — transactions are created automatically. ▶ SHORTCUTS QUICK ENTRY Add Koala's built-in Shortcut with one tap. Trigger it right from WeChat, Alipay, or any payment page to instantly pop up the entry window — log it and jump straight back, no app-switching required. ▶ iOS WIDGETS Home screen widgets show today's or this month's totals at a glance. ▶ 5 LANGUAGES Supports Simplified Chinese, Traditional Chinese, English, Japanese, and Korean. ▶ PRIVACY FIRST Apple Sign-In authentication. Local-first data storage. Your financial data stays private. ▶ Terms of Use (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

十月记账：把日常收支和每月还款放在一起算的记账工具。 工资到账，先扣掉这个月要还的信用卡、网贷和房贷车贷，再减去已经花掉的——剩下多少能花，打开首页就知道。 【生活记账】 · 收入支出随手一记，常用备注自动推荐 · 类别可以自己加、自己排序，用不上的隐藏掉 · 设置月预算，花超了一眼看出来 · 按月统计，钱花在哪里清清楚楚 · 不登录也能记，数据先存在本机，登录后自动同步 【本月可支配】 · 首页一行算好：收入 − 本月应还 − 本月已花 · 负债和生活两张卡片并排：这个月还得起、还剩多少能花，不用自己拿计算器算 · 还款不会重复计入生活支出，统计不失真 【还款管理】 · 信用卡、网贷、房贷车贷、亲友借款统一记录 · 支持等额本息、等额本金、先息后本、已知月供四种方式，自动生成每期还款计划 · 还款日历：哪天该还哪笔一目了然，长按可圈出一段日期 · 到期提醒，退出 App 也能收到 · 待还、已还、逾期分类查看，总负债实时更新 【计算器】 · 利息试算、提前还款能省多少、真实年化（IRR）、逾期罚息 · 算完可一键记成一笔还款计划 【一键换肤】 · 九套风格可选，深色护眼、暖白纸感等，点一下全局生效 【我们不做什么】 本应用不提供贷款申请、放贷、审批、授信或金融撮合服务，不推荐任何借款平台，不读取通讯录。十月记账只用于记录和管理你自己的收支与已有的还款安排，你的数据只属于你自己。