BCSIDelux vs HNWX

BCSIDelux is an application designed to analyze how personal fund allocation shifts across different life stages. Its home screen connects these stages via a blue timeline and a horizontal expenditure structure chart, helping users grasp the changing priorities of fund allocation at each turning point. The analysis employs a standardized classification system to compare metrics such as daily averages, fixed expenses, and category proportions; it visualizes structural evolution using Shannon entropy, expenditure concentration, Jensen-Shannon distance matrices, and percentage point differences. A structural simulation feature allows users to adjust category amounts or ratios, previewing the resulting allocation against both fixed and new total expenditure levels. Refunds and net negative expenditures are handled separately to prevent skewed distribution data. Data is stored locally on the device, with support for transaction editing, category tracking, and file import/export, all complemented by fine-lined charts and text-based index navigation. These metrics characterize the financial structure, enabling users to track financial changes and gain insight into each life stage.

This application is designed to track fund transfers between personal accounts. An overview displays account balances and funds in transit, while the transaction history organizes outflows, receipts, returns, and fees by their actual dates. Details for funds in transit can be recorded in multiple installments, and a reconciliation page allows for the finalization of entries based on the alignment of transaction amounts. The analysis section provides bar charts for accounts, area charts for month-end funds in transit, donut charts for transaction amounts, and waterfall charts for reconciliation. All monetary values ​​are stored as integers (in the smallest currency unit), with related records updated synchronously during each transaction. Fees are explicitly categorized—either deducted from funds in transit or paid from a separate account. The app supports features such as capturing images via camera or selecting photos from your gallery, cropping receipts, attaching local files, managing accounts, handling complex transfer combinations, switching themes, securing the app with privacy locks, performing full backups and restores, and exporting transaction history.