WealthPulse vs 月月记

WealthPulse is a private, on-device net worth tracker. See all your assets in one place — stocks, ETFs, funds, and cash across multiple currencies and markets — without creating an account or sending your portfolio to anyone's server. WHY WEALTHPULSE • Everything on your device. Your portfolio is stored locally with Apple's SwiftData. No account, no cloud database, no tracking SDKs. • Multi-currency, multi-market. Track assets in USD, SGD, CNY, HKD and more. US, Hong Kong, China A-share and Singapore tickers with automatic daily price updates. • Your net worth, one number. Live exchange rates convert everything into your base currency of choice. FEATURES • Automatic daily snapshots — your net worth history builds itself • Net worth trend chart with interactive scrubbing • Allocation breakdowns: by asset type, currency, and market region • Compare: see exactly which assets drove your net worth change over 7/30/90/365 days • Markdown export — share your asset list to any app through the iOS share sheet • Home screen widget with your net worth at a glance • Face ID / Touch ID lock, one-tap value hiding, and automatic privacy blur in the app switcher • English and Simplified Chinese PRIVACY FIRST WealthPulse makes only two kinds of network requests: exchange rates and market prices. Both send only currency codes and ticker symbols — never your holdings, amounts, or identity. Read the full privacy policy at cooperxuyuan.github.io/wealthpulse-site/privacy.html

不用记每一笔账，每月花两分钟就够。 把银行卡、微信、支付宝、基金、花呗、房贷这些账户里现在有多少填一遍，月月记帮你算清总资产、总负债、总余额，并画出逐月的涨跌趋势。 记流水太累，很多人坚持不过两周。但真正想知道的其实只有一件事——我现在到底有多少钱，比上个月是多了还是少了。月月记只做这一件事。 ■ 每月两分钟 从第二个月起，每一格都会自动预填上次的数字，只改变动过的那几个账户就行。没变的直接跳过。 ■ 三类账户，一个总数 存款（现金、银行卡、余额宝、基金、股票）、应收（借出去的钱、押金、待报销）、负债（花呗、信用卡、房贷、车贷）分开记，自动算出： · 总资产 ＝ 存款 ＋ 应收 · 总余额 ＝ 总资产 − 总负债 ■ 看得见涨跌 首页一眼看到本月比上月多了多少、涨了百分之几；趋势页可切换总余额、资产、负债、收益四条线，逐月列表带环比。 ■ 会涨跌的账户单独记收益 基金、股票这类账户可以打开「会产生收益」，记录时多一格填这个月赚了或亏了多少，亏了填负数。房贷这类可以记利息，计入总收益时按支出扣减。所有收益历月累计，一眼看到长期到底赚没赚。 ■ 常用账户一键建好 微信、支付宝、工商银行、农业银行、中国银行、建设银行、招商银行、花呗……勾一勾就建好，不用一个个打字。 ■ 补记和修改都不麻烦 往回翻月份可以补记过去的记录，趋势自动重算；同一个月重复保存就是覆盖；整月记错了可以直接删掉重来。账户不用了可以「停用」，历史数据保留，趋势不会断。 ■ 完全离线 没有账号，不用注册，不联网，不上传。你的数字只存在自己手机里。没有广告，没有内购，没有任何追踪。