After Zero vs Billfold

After Zero 是一款个人债务记录与还款规划工具。记录每一笔债务与还款进度，让复杂的债务变得清晰可见，陪你一步步走向债务归零。 基础功能： • 记录债务、分期、本金、利息与还款信息； • 生成并维护还款计划； • 支持部分还款、协商减免、提前结清与还款模拟； • 在当前设备本地保存和管理账本数据。 Premium 一次性买断，永久解锁，不自动续费： • 还款日：集中查看每期待还项目、未来还款压力和到期提醒； • 统计报告：查看负债走势、余额变化、债务构成与还清计划； • Excel/PDF 报表导出； • 档案库、备份文件导入导出与云备份； • AI 识图导入。 还款计划、模拟结果及 AI 识图导入生成的债务草稿仅供个人记录与参考，不构成财务、法律或投资建议；请核对信息后再据此安排还款。

Billfold is a pocket wallet for knowing exactly how much you're worth. Turn bank accounts, stocks and funds, property, money owed to you, and money you owe into cards in a leather wallet. Log each balance change, and Billfold works out your net worth, asset allocation, and debt share — no transaction tracking, no bank syncing, just your whole financial picture at a glance. FIVE SLOTS Cash, Investments, Physical Assets, Receivables, and Debts. 28 preset card types, each with fields designed for that kind of asset. BALANCES, NOT TRANSACTIONS Spend two minutes a month updating balances and watch your net worth curve take shape. No logging every purchase, no connecting your bank. MULTI-CURRENCY Hold accounts in their original currency. Exchange rates update automatically when you open the app, and everything converts to your main currency. AUTO-REFRESHING QUOTES Add your fund and stock positions once and values update when you open the app. HOME-SCREEN WIDGET Net worth and this month's change, right on your Home Screen. PRIVATE BY DESIGN Your records live only on your device and in your private iCloud — never on our servers. Quote lookups send only ticker symbols. Lock the app with Face ID and hide amounts when you need to. BILLFOLD PRO The free wallet holds up to 10 cards. Pro removes the limit and adds 4 more leather finishes and icons, multi-currency, auto-refreshing quotes, and a Home Screen widget — as a yearly subscription or a one-time purchase. Terms of Use: https://trybillfold.app/en/terms/ Privacy Policy: https://trybillfold.app/en/privacy/