Wert · Vantage vs 家底月盘

Wert is a net worth tracker for people whose assets are spread across accounts, currencies, and countries. We believe managing wealth shouldn't mean logging every transaction. With Wert, you simply take a periodic "snapshot" of everything you own — and instantly see your true net worth, how your portfolio is allocated, and how your wealth grows over time. WHY WERT • Snapshot, don't bookkeep Skip the tedious expense log. A full review takes minutes: Wert pre-fills your last snapshot and live exchange rates, auto-depreciates fixed assets, and auto-amortizes loans. You just confirm what changed. • Screenshot import Don't type holdings one by one. Screenshot the positions page from your broker or fund app, and Wert recognizes each symbol, quantity, and value for you to review — then builds your accounts in a tap. Multiple scrolling screenshots are stitched and deduplicated automatically. Recognition runs on-device; your screenshots never leave your phone. • Multi-currency, locked FX, true attribution Every snapshot locks that day's exchange rate, so your history never drifts. When you compare two snapshots, Wert separates real asset growth from currency swings — so you finally know whether you actually grew richer, or it was just FX. • Look through your funds What do your funds and ETFs actually hold? Wert looks through to the underlying holdings, separating what you hold directly from what's nested inside funds, so you can see your true exposure by sector and region. • Switch display currency in one tap View everything in CNY, USD, HKD, EUR, JPY, or SGD. Historical snapshots convert at their locked rates, so the numbers stay honest no matter which currency you read them in. • Automatic market quotes A-shares, Hong Kong and US stocks, on-exchange funds/ETFs, and major cryptocurrencies — type a name or ticker, pick it, and the quote and currency fill in automatically. • FIRE retirement simulator Based on your real net worth and your savings and spending assumptions, Wert runs a Monte Carlo simulation to project the probability and timing of financial independence. • Privacy first — your data is yours Assets and snapshots are stored on your device by default. If you enable iCloud or WebDAV sync, they are transmitted to your configured sync service. Sign in with Apple, subscription verification, market-data requests and diagnostics/analytics process the corresponding account or technical data described in our privacy policy. Privacy Mode masks your numbers, and you can export your data yourself. Download Wert and see your wealth clearly.

家底月盘是一款本地优先的家庭月度资产负债盘点工具。 不记日常流水，每月花几分钟录入各账户余额，即可在一张看板上看到： • 家庭净资产及变化趋势 • 风险资产与流动性分布 • 各成员、各账户的结构占比 【为什么选择家底月盘】 • 本地保存：财务数据仅存在您的手机，不上传云端 • 无需注册：打开即用，没有账号体系 • 全家适用：支持多成员、多账户，按人分组管理 • 换机无忧：导出 JSON 备份，新设备合并恢复即可继续 • 完全免费：无订阅、无内购 【主要功能】 • 月度盘点：引导式填写，按成员进度推进 • 家庭看板：趋势折线图、风险与流动性分布图 • 历史浏览：查看过往月份，对比期间变化 • 账户管理：资产/负债分类、成员归属、紧凑列表 • 备份恢复：导出与合并导入，支持中文内容 • 版本介绍：可选的版本更新检查（默认关闭） 适合希望定期了解家庭财务全貌、又不愿把明细交给第三方云服务的用户。 隐私政策与更新说明见 App 内「关于 → 版本介绍」。