小金库 vs WorthTrail

不记流水，只看增值。 记账记了一堆，却说不清自己到底赚了多少?小金库不做流水账，只帮你把散落在各平台的理财资产聚合起来，算出真实的年化收益。 · 一屏总览：活钱 / 稳健 / 进取三维度，多平台资产实时汇总 · 多平台管理：银行理财、基金、定期、活期统一管理，支持平台个性化图标 · 真实年化：基于时间加权平均余额计算，中途追加转出依然精准 · 收益走势：累计收益与年化收益率曲线，滑动查看任意一天 · 七大币种：人民币、美元、欧元、英镑、日元、港币、加币，汇率自动折算 · 到期提醒：到期前 3 天、1 天、当天准时推送 · 财富体检：配置分析、集中度评估与平台分布可视化 · 数据自主：手动录入无需授权网银，支持 CSV 导出，与小程序同账号同步 适合:在多个平台理财、想看真实年化、有海外资产、讨厌记流水的人。

WorthTrail is a private net worth tracker. Record every asset and debt in one place, without connecting a bank account. ◆ See your whole net worth • Net worth, assets, liabilities and today's change on one page • Stocks, ETFs, funds, crypto, property, deposits, cash and debts together • Every currency converted into your base currency ◆ Understand your returns • Daily, weekly, monthly and yearly P&L on one calendar • Cost basis, realized and unrealized gains, trends and drawdowns • Automatic daily records and historical prices build your history ◆ Organize it your way • Tag groups for accounts, family members, sectors, regions or strategies • Switch views without duplicating holdings • Recurring investment plans and fixed-term deposits ◆ AI agents on Mac • The Mac version runs a local MCP server for AI agents • Ask about your net worth, holdings and returns in plain words • Agents record trades only when you allow it, after you approve a preview ◆ Reports and widgets • Excel workbooks and PDF reports for analysis and archiving • Home Screen widgets keep your net worth in view ◆ Privacy first • Your data stays on your device, with an optional private iCloud backup • No bank login, no ads, no third-party analytics SDKs • Face ID or passcode lock WorthTrail is for asset recording and analysis only. It does not provide investment advice. Market data may be delayed, incomplete or inaccurate. Please refer to your actual accounts and official data. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/