Netly vs Laicai 来财
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Netly
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Netly gives you a clear, complete picture of your net worth: all your assets and liabilities in one place, updated automatically. Add your bank accounts, investments, real estate, pension, crypto, and more. Netly calculates your total net worth and tracks how it changes over time, so you always know exactly where you stand financially. TRACK EVERYTHING • Assets and liabilities across any category • Stocks, ETFs, and crypto with live market prices (Pro) • Real estate, pension, cash, and custom assets • Multiple currencies with automatic exchange rates (Pro) UNDERSTAND YOUR GROWTH • Interactive net worth chart with full history • Yearly growth and performance by category • Future projections based on your current trajectory • Best and worst days, streaks, and milestones (Pro) PRIVACY FIRST • Your data stays on your device, with optional cloud sync across your devices • Privacy mode hides values with one tap, showing only percentages and charts • No ads, no data selling, no account required BUILT FOR APPLE PLATFORMS • Apple Watch app shows your net worth at a glance • Widgets for your Home Screen and Lock Screen • Designed for iPhone and iPad NETLY PRO Unlock live stock and crypto prices, automatic exchange rates, advanced insights, and import/export with a 7-day free trial. $3.99/month or $24.99/year after the trial. Download Netly and take control of your financial picture today. Terms of Use (EULA): https://apexcode.dk/terms Privacy Policy: https://apexcode.dk/privacy
Laicai 来财
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Laicai keeps your whole financial picture in one ledger: investments across markets, cash, savings, debts and everyday spending — then lets Laicai AI answer questions from your own real data. No ads, no community, no stock tips. ALL YOUR WEALTH IN ONE PLACE Record China A-shares, Hong Kong stocks, US stocks, funds and precious metals side by side. Prices update by market and everything converts to CNY. Cash, credit cards and brokerage accounts are grouped so net worth, total assets and total liabilities are clear at a glance. RETURNS, UPDATED DAILY • Profit calendar: one cell per day, see your daily gains and losses • Return analysis: money-weighted return, cumulative curve, realized and unrealized P&L, P&L ranking • Allocation: asset distribution by market value and weight BUDGETS THAT HOLD Monthly income and spending, custom categories, monthly and per-category budgets with used and remaining amounts. Import Alipay and WeChat bills; duplicates are skipped and every mapping can be reviewed. RECORD IN SECONDS Hold "Add" and speak, or snap a trade confirmation, receipt or payment screen. AI turns it into a draft you check before it is saved. AUTOMATIC RECORDS • Fund auto-investment plans recorded on schedule • Recurring entries for rent, repayments and salary • A-share cash dividends and bonus shares synced automatically LAICAI AI Ask about your real holdings, accounts, trades and spending, by text or voice. The Premium deep engine brings cross-market data and professional finance skills into multi-step analysis of your own portfolio. PEACE OF MIND • Sign in with Apple, WeChat, phone code or email • Dark and light themes, Chinese and English interface, privacy mask to hide amounts • Export your data any time; delete your account in More → Delete account PLANS Recording and analysis are free forever; new users get a 7-day trial of Standard. • Free: asset and spending records, wallets, budgets, profit calendar and statistics • Standard: everything in Free, plus voice and screenshot entry, Alipay and WeChat bill import, auto-investment plans, recurring entries and Laicai AI basics • Premium: everything in Standard, plus the Laicai AI deep engine, high-quality cross-market data and in-depth analysis Prices are shown on the subscription page. Subscriptions renew monthly and are charged to your Apple Account. They renew at the same price unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel in Settings → Apple Account → Subscriptions. Terms of Use: https://laicai.tianxinbale.com/user-agreement Privacy Policy: https://laicai.tianxinbale.com/privacy Content from Laicai AI and the deep engine is AI-generated, for reference only, and is not investment advice.
Screenshots
Verdict
The clearest difference is device support: Netly at 3 against Laicai 来财's 1. Laicai 来财's advantage is iOS requirement (16.4 vs 26.0). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Netly sells 2 in-app purchases, starting at $3.99 per month and Laicai 来财 sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
Netly ships an update fortnightly, Laicai 来财 monthly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.
| Parameter | Netly | Laicai 来财 |
|---|---|---|
| Price | Free | Free |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Devices | iPhone, iPad, Apple Watch — better | iPhone |
| Requires iOS | 26.0 | 16.4 — better |
| Further details — not scored | ||
| Size | 18 MB | 60 MB |
| Age rating | 4+ | 4+ |
| Developer | Mathias Jensen | Beijing Tianxin Bale Technology Co., Ltd. |
In-app purchases
Netly
- Netly Pro Monthly7 Days trial$3.991 Month
- Netly Pro Yearly7 Days trial$24.991 Year
Laicai 来财
- 标准版$0.991 Month
- 尊享版$14.991 Month









