BJVATRefund vs SmartFolio

VAT Refund simplifies the quarterly VAT refund process for diplomatic personnel in China. FEATURES: - Import fapiao (发票) documents directly from your iPhone — via Files, Photos, or document scanner - Automatic data extraction from Chinese invoices using QR code scanning and text recognition - Secure local storage — all your invoice data stays on your device - Generate official ANNEX 3 Excel spreadsheet with all invoice details pre-filled - Generate ANNEX 4 PDF bundle with each fapiao properly formatted for submission - Track claimed and unclaimed invoices across quarters - Export and share files via AirDrop, email, or save to Files PERFECT FOR: Diplomats and embassy staff in China who need to process VAT refunds on purchases of 800 RMB or more. PRIVACY: All data is stored locally on your device. No information is collected or transmitted to any server.

SmartFolio is a free portfolio tracker for investors who hold stocks, ETFs and crypto across more than one market or currency. Record your trades once and SmartFolio keeps the whole picture current: what you own, what it is worth today, what you have really earned, and how your money is spread across companies, sectors, regions and asset classes. No subscription, no account, no ads. Every number is calculated on your device, and your data never leaves it. MARKETS AROUND THE WORLD - Follow listings on more than 30 exchanges, including Toronto, New York, London, Frankfurt, Paris, Amsterdam, Zurich, Tokyo, Hong Kong, Shanghai, Mumbai, Sydney, Singapore, Seoul, Sao Paulo and Mexico City. - World Markets shows live index levels for the Americas, Europe and Asia-Pacific, with an open or closed indicator for each exchange. - Browse popular names market by market, star anything to your watchlist, and search any stock, ETF, fund, index or crypto pair by name or ticker. - Prices, charts and history appear in each security's own currency. London prices are shown in pounds, not pence. ONE PORTFOLIO, ANY CURRENCY - Hold US, Canadian, UK, European and Asian listings side by side. Each position keeps its native currency, and every total is converted with live exchange rates. - Choose from 28 display currencies, including US and Canadian dollars, euro, pound, rupee, yen, Australian dollar, Swiss franc, Hong Kong and Singapore dollars, peso, real and rand. Switch at any time and the whole app follows. RETURNS YOU CAN TRUST - Lot by lot accounting on a first in, first out basis, so realized and unrealized gains are exact. - Time-weighted performance for 1 week, 1 month, 3 months, year to date, 1 year and all time, so deposits and withdrawals do not distort your results. - Dividends, stock splits and cash are all part of the picture. Track deposits, withdrawals, interest, fees and currency exchanges, and see uninvested cash next to your holdings. - Compare your performance with the S&P 500, and see your all-time high, drawdown and volatility. A DASHBOARD THAT ANSWERS THE REAL QUESTIONS - Total value, today's change and a trend chart with your net invested baseline. - Plain-language insights about what is driving your results today. - Allocation by holding, sector, asset class and geography. - A portfolio review that grades construction and risk, with practical suggestions on concentration, fund overlap, home bias and more. REPORTS - Realized profit and loss by stock and by year, with every sale broken down. - Closed positions with their full history. - A complete activity ledger. Every trade, dividend, split and cash entry can be edited or removed. EASY TO USE - Add a trade in seconds: search, pick, enter shares and price, done. Live quotes prefill the price and the right currency. - Interactive price charts from one day to all time, with a crosshair for exact prices. - Multiple portfolios, such as a retirement account, a brokerage account and a crypto account, with one tap to switch. - Try it first with a sample portfolio built from eight years of real trades. - Works on iPhone and iPad, in light and dark mode. YOUR DATA IS YOURS - Everything is stored on your device. There is no server, no account and no tracking. - Optional Face ID lock. - Import trades from CSV, export your data at any time, and back up or restore with a single file. Market data comes from free public sources and may be delayed. Market news is optional and can be turned on with a free Finnhub key in Settings. SmartFolio is free, with no subscription and no in-app purchases.