掌中记 vs Conto

掌中记，一款简洁纯粹的个人记账应用。没有广告，没有会员墙，所有数据存储在本地，完全属于你。 **【核心记账】** 支持支出、收入、转账、报销、退款等多种记录类型，配合自定义分类和标签，让每一笔账都清晰可查。支持为账单添加图片附件，保留消费凭证。 **【多账本管理】** 创建多个独立账本，家庭账、工作账、旅行账分开管理，互不干扰。 **【资产总览】** 统一管理现金、储蓄卡、信用卡、储值卡等多种账户，实时掌握净资产状况。信用卡额度、可用余额一目了然。 **【预算管理】** 设置月度总预算或按分类单独设预算，实时追踪执行进度，消费超支前提前预警。 **【统计分析】** 直观的饼图和柱状图，展示支出分类占比与近6个月收支趋势。年度报告功能，一键回顾全年财务状况。 **【债务管理】** 完整记录信用卡、消费贷、房贷、车贷等各类债务，支持利率计算、还款计划生成和还款模拟器，帮你制定科学的脱坑计划。 **【存钱计划】** 内置7种存钱方案：52周正向/逆向存钱、365天计划、12个月计划、目标存钱、零钱罐、自定义计划，每期打卡，让存钱变成习惯。 **【周期账单】** 设置每天、每周、每月、每年的重复账单，房租、话费、订阅费用自动提醒，不再遗漏。 **【银行卡管理】** 安全保存银行卡号、开户行、持卡人等信息，需要时随时查看复制，无需翻找钱包。 **【备忘录】** 内置便签功能，记录消费想法、待办事项，支持置顶和颜色标记。 **【iOS 专属特性】** - 8款桌面小组件：账户余额、预算进度、今日汇总、月度汇总、周趋势、存钱计划、信用卡、快速记账 - 桌面长按快捷菜单：一键记支出、记收入、查预算、看报表 - 快捷指令集成：支持自动记账，配合 iOS 快捷指令实现支付后自动记录 - iCloud 同步：多设备数据无缝同步 **【数据安全】** 所有数据本地存储，支持 CSV 格式导入导出，数据完全由你掌控。

Tired of hearing “no separate checks” at the register and having to work out everyone’s share one by one on a calculator? Get Conto: one tap and you know what you spent. Snap the receipt: Conto reads the items on your phone, without sending the photo anywhere. Check that the items add up to the total, then everyone taps their name on what they had. • Long receipt? Snap it in several photos: Conto joins them without duplicates. • An item shared by several people is split equally. • The cover charge is split among everyone; remove whoever doesn’t pay it. Discounts are shared proportionally. • Couples: separate shares plus the couple’s total. • Tip as a percentage and rounding per person. • Six-digit code: anyone with Conto joins the table from their own phone, as soon as the person who created the bill accepts them. • Everyone their own share: anyone with Conto marks what they had on their own phone, cover charge included, and instantly sees what they owe whoever paid, with buttons to pay them. Whatever nobody takes stays with whoever paid: people who don’t use the app don’t hold anyone up. • People without the app are handled from another phone: one phone is enough for the whole table. • Works offline too, on that phone only. • Any currency, 12 languages, iPhone and iPad. Did you pay? Add the ways people can pay you back (Revolut, PayPal, Satispay, IBAN or other links): everyone gets their share in a message or scans a QR code at the table, and in bills with a code they pay with one tap from their own app. Your payment details stay on your phone; in bills with a code only the people at the table see them, for as long as the bill exists (24 hours at most). At the end of dinner everyone sees their share in detail, and you can send everyone the “split receipt” as an image or as text. Conto doesn’t move money: it works out the shares and takes you to the app you pay with. No account, no ads.