Mouda vs 차곡차곡

Daily budgeting apps burn you out. Mouda doesn't. Record what you own just once a month, and watch your net worth take shape — not over days, but over years. Knowing where you stand and where you're headed matters more than tracking every coffee. Mouda answers that bigger question. ■ Made for people who • Have tried — and given up on — daily expense tracking • Want the big picture of their wealth, not every transaction • Are tired of adding up balances across banking and brokerage apps • Don't want their financial data living on someone else's server ■ Core features • Monthly asset snapshots At the end of each month, record what you own. No transaction logs, no receipts — just "this is what I have right now." • Ten intuitive categories Real Estate, Savings, Investments, Loans, Gold, Crypto, Pension, Severance Pay, Vehicles, and Other. No complex taxonomy — organize wealth the way you actually think about it. • Automatic net worth calculation Loans are treated as liabilities by default. What you see is your true net position — nothing inflated. • Month-over-month change tracking Every asset shows its change and percentage from last month. See at a glance what grew and what didn't. • Swipe through your history Slide left or right to revisit past months. Compare yourself today to a year ago in a single gesture. • Asset allocation chart (Pro) Visualize your portfolio composition as a clean donut chart. Spot imbalances and rebalance with intent. • Multi-currency support Format values in the currency you use. Hold assets across different markets without mental conversion. • English, Chinese, Japanese, Korean and Hindi ■ Privacy by design All your data stays on your device. Nothing else. No sign-up. No login. No bank account linking. No credentials to hand over — ever. Financial data is among the most sensitive information you own. Mouda was built local-first from day one because we believe it should stay that way. Your assets are yours alone. ■ Five minutes a month, a lifetime of clarity Wealth isn't built from daily spending — it's built from monthly habits. Spend five minutes with Mouda each month recording what you own. In a year, in five years, in ten, the arc of your financial life becomes unmistakable. Start today. Gather your scattered assets — in one place.

내 자산이 지금 얼마인지, 그동안 어떻게 변해왔는지 한 화면에서 봐요. 자산과 부채를 카테고리로 나눠 담으면 순자산이 알아서 잡힙니다. 기록은 오래 걸리지 않아요. 금액만 적으면 끝, 한 번에 1분이면 충분합니다. 오늘 값은 물론이고 빠뜨린 과거 날짜도 골라서 채워 넣거나 고칠 수 있어요. 기록이 쌓이면 흐름이 보여요. 날짜별 자산을 막대로 그려서, 늘었는지 줄었는지 손가락으로 짚어가며 확인합니다. 항목 하나하나의 변화도 따로 들여다볼 수 있고요. 흐름을 알면 다음이 그려져요. 지금 속도라면 목표한 금액까지 얼마나 남았는지 가늠하면서 한 칸씩 채워가는 재미, 그게 차곡차곡이에요. 숫자가 주인공입니다. 화면은 가볍고 단순하게, 보고 싶은 금액과 변화만 큼직하게 보여줘요. 통화 표시는 설정에서 바꿉니다. 표기만 달라질 뿐 환율로 환산하지는 않아요.