Compound Tower vs 月月记

COTO is a personal finance tracker designed for people who want a clearer view of their wealth structure. Track bank assets, broker cash, investment positions, fixed assets, income and expenses, goals, recurring investment plans, and portfolio allocation in one organized place. COTO helps you see what you own, what you owe, where your money flows, and how your portfolio drifts from your target allocation. Key features: - Net worth dashboard with asset and liability charts - Bank assets, deposits, wealth products, and liabilities - Broker cash, holdings, buy/sell/dividend records, and P&L tracking - Ledger summaries with income, expenses, dates, amounts, and notes - Fixed asset records for property, vehicles, and electronics - Goal tracking and recurring investment plans - Portfolio allocation, drift analysis, and rebalance suggestions - Monthly review records and action items - App privacy lock with biometric unlock and password fallback - English and Simplified Chinese interface support COTO does not provide investment advice. It is a tracking and organization tool to help you record, review, and understand your own financial data.

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。