DivvyGo vs Minimal Expense

出國旅遊記帳與分帳，從未如此簡單！ 還在用計算機手動換算匯率嗎？還在為旅遊結帳時誰欠誰錢而煩惱嗎？ DivvyGo 是專為旅人設計的團隊分帳 App，解決您在旅途中的所有金錢瑣事。 【核心功能】 即時匯率換算：支援全球主要貨幣，每 2 小時自動更新，記帳時直接輸入當前幣別，自動幫你換算成基準貨幣。 團隊同步分帳：建立房間、分享代碼，所有成員即時同步消費明細。 靈活分帳模式：支援平分、指定金額、比例分攤，滿足各種消費場景（如：有人沒吃甜點、有人多喝一杯）。 智能建議轉帳：結算時自動計算「最少轉帳次數」，讓大家省去零錢困擾。 隱私保護 (Privacy First)：所有房間資料在建立 30 天後將自動永久刪除，不收集多餘資料，保障您的行程與財務隱私。 訪客機制：旅伴不需要下載 App，您也可以手動新增「訪客」幫他記帳。 【適用場景】 畢業旅行跨國遊、好友連假出團、家庭出遊、情侶日常記帳。

Minimal Expense: Travel, Split — daily, travel and shared ledgers in one app. And when you're done logging, a finance report written just for you. ■ Journal design - Warm paper tones, a terracotta seal, soft Japanese-inspired colors, dark mode retuned page by page. Logging feels like keeping a quiet journal. ■ Everyday logging & splitting - Custom categories and payment methods: your own colors and icons; cash, card and e-payments tallied separately. - Recurring entries: set rent, subscriptions, salary or that annual insurance once, and they post themselves — monthly, quarterly, half-yearly or yearly. - Income and expenses tallied separately, with a budget that shows what's left. - Everyday splitting: no trip needed — build a dinner or household event and add saved contacts as a group in one tap. - Multiple accounts & net worth: bank, cash and e-payments tracked apart. Transfers never count as spending, and the main ledger shows total and net worth at a glance. ■ Why Minimal Expense? - Three kinds of ledger, kept apart: daily, travel and shared each get their own book. Trip expenses file themselves. - Split with companions: who paid, how to split, who's in — three taps. Settlement reports work out who owes whom; mark as settled and share. - Treemap charts: the bigger the block, the more you spent. Understand your spending at a glance. - Multi-currency with locked-in rates: log in local currency abroad; the exchange rate is locked at entry time, so reports never shift. - Voice logging: "Lunch ramen 250" — one sentence logs category and amount. Works offline, completely free. - Transaction search: notes, categories, payment methods, amounts — find any entry in seconds. - Daily reminder + streak: a gentle knock each day to keep the habit going. ■ Weekly, monthly and yearly reports (Premium) - Weekly report: appears by itself every Monday — where last week went, how many days you logged. No waiting for month end. - Monthly Report: published on the 1st — spending trend, category ranking, a rhythm calendar, and a one-line summary. - Year in Review: a once-a-year page-flip ritual — seasons, top categories, records — shareable as a beautiful card. - Insights: see where you are this month (compared with the same day in your own past months, not with strangers), and which charges are still due before month end. - Trip Recap & Trip Report: statistics and share cards worth keeping. ■ Shared ledgers: one book, two people - Send a link and you're in: family, a friend, or your partner. No account, no friend requests. - Every entry shows who logged it, and syncs over iCloud to both phones. - Shared money is kept apart: it never mixes into your own ledger, so your reports and budget stay as clean as before. - Shared fund: each put some in, then spend from it — or let one person pay first and settle later. ■ Built for travel - Trip list: ongoing, upcoming, and finished trips at a glance; keep multiple trips. - Pre-trip expenses: log flights and hotels before departure for complete trip costs. - Travel footprint map: countries and cities light up on the map with per-trip spending (Premium). - Currency converter: quick conversions on the road, cached for offline use. ■ Subscription - Free: full main ledger + 1 travel ledger + 1 shared ledger + 1 account + splitting & settlement + voice logging + ledger search + charts. No ads. - Premium: weekly reports, monthly reports, year in review, insights, trip recap & footprint map, unlimited travel and shared ledgers, unlimited accounts, iCloud backup, export (CSV / JSON / PDF). - 3-day free trial; monthly or yearly (yearly saves more), cancel anytime in Settings. ■ Contact - Website: https://www.miniexpense.com - Privacy Policy: https://www.miniexpense.com/privacy-policy - Terms of Use (EULA): https://www.miniexpense.com/eula Thank you for choosing Minimal Expense — let's keep daily, travel and shared spending clear, together.