Ching vs 均真 Split

Ching is an automatic expense tracker designed for Hong Kong. Snap receipts, log Apple Wallet taps automatically, no bank login. • Receipt Photos Snap a paper bill, or pick a PayMe, Octopus or bank payment screenshot from your album. Ching reads the amount, merchant and date; you tap to confirm. 3 images a month on Free, 300 on Ching Pro. Cloud reading is its own opt-in switch. • Auto-Log Card Taps (requires iOS 27) Add one Ching Shortcut. When a card in Apple Wallet is used, or PayMe tells you money has arrived, Ching posts a notification and one tap confirms the entry. Set it up once. • Quick Manual Entry Expenses, income and transfers in seconds. Merchant categories that learn, multi-currency with live rates, recurring transactions, category budgets, and stock FIFO cost tracking. • AI Spending Insights Monthly spending analysis and trend statistics for tracking where your money goes. Informational only — see disclaimer below. • Cloud Backup (Ching Pro) Encrypted backup. Restore on a new phone in one step. • Privacy First Ching never asks for your bank password and never connects to your bank account. Data stays on your device by default; cloud reading and AI Spending Insights are separate opt-in switches. Free: Unlimited* tracking · Basic stats · 3 AI Spending Insights/month · 3 image reads/month · 3 category budgets Ching Pro: HK$28/month or HK$238/year — Unlimited* AI Spending Insights · 300 image reads/month · Cloud backup · Unlimited* category budgets *Fair-use limits apply to prevent abuse. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Made by an independent developer in Hong Kong. Questions? We'd love to hear from you. Important Disclaimer Ching is a personal expense-tracking tool, not a financial advisor. All content — including AI-generated spending insights — is strictly informational and must not be relied upon as investment advice, a recommendation to buy or sell any security, a solicitation, or any form of regulated financial advice. Ching does not hold any licence from the Hong Kong Securities and Futures Commission (SFC) or any other regulator, and does not carry on any regulated activity under the Securities and Futures Ordinance (Cap. 571). Always consult a qualified, licensed professional before making financial decisions.

聚餐、旅行，一個 App 均真計清。 「均真 Split」係為香港日常聚會而設嘅簡潔分帳工具。無論係一餐飯、一班朋友旅行，定係有人遲一日加入、提早離開，都可以按實際參與情況準確分攤。 毋須註冊帳戶，毋須連接雲端。所有飯局、旅行、付款狀態及草稿記錄只會儲存於你的裝置。 【飯局分帳】 快速分帳 • 輸入總人數及埋單總額 • 飲品由指定人數平分 • 其餘餐費由全部參加者分攤 • 支援多項飲品及飲品服務費 逐項分帳 • 可輸入參加者名稱 • 每項飲品可選擇不同分攤者 • 支援全部人、上次所選及快速清除 • 可按人或按項目查看結果 【旅行分帳】 同行日期 • 設定旅行出發及回程日期 • 每位朋友可設定不同加入及離開日期 • 適合有人遲一日加入或提早離開的旅程 • 支出日期只會在旅行日期範圍內選擇 旅行支出 • 支援住宿、食飯、交通、門票、購物、公共用品及其他分類 • 每筆支出可記錄付款人、日期、金額及備註 • 可手動選擇分攤者 • 可按支出日期自動選擇當日同行者 住宿分攤 • 選擇入住日期及住宿晚數 • 自動計算退房日期 • 按每晚實際入住者分攤住宿費 • 適合不同朋友入住晚數不同的情況 旅行結算 • 顯示每人應分攤總額 • 顯示每人已代付總額 • 自動計算每人應收或應付金額 • 產生簡單的最少轉帳方案 • 可按人及按支出查看完整明細 • 支援分享旅行找數結果 【儲存與記錄】 • 自動保存未完成草稿 • 可手動儲存旅行進度 • 支援保存多個旅行 • 隨時載入並繼續編輯 • 飯局及旅行設有獨立記錄 • 可保存付款狀態 • 可複製舊飯局作為新飯局 • 可清除草稿、個別旅行或所有歷史記錄 【準確計算】 所有核心金額均以整數仙位處理，並自動分配除不盡的餘數。 例如 $100 由 3 人分攤，結果會準確分配為 $33.34、$33.33 及 $33.33，確保所有人金額加起來等於實際總額。 【其他功能】 • 分享飯局及旅行找數結果 • 標記已付款狀態 • 支援淺色及反白介面 • 長參加者及支出列表完整滾動 • 毋須建立帳戶 • 毋須連接雲端 • 所有資料只儲存於你的裝置 無論係兩三個朋友食飯、一大班人聚餐，定係多人旅行期間處理住宿、食飯及交通支出，「均真 Split」都幫你將每一筆數計得清清楚楚。