Ching — Auto Expense Tracker 앱 분석 (10월 19일)

Ching is an automatic expense tracker designed for Hong Kong. Snap receipts, log Apple Wallet taps automatically, no bank login. • Receipt Photos Snap a paper bill, or pick a PayMe, Octopus or bank payment screenshot from your album. Ching reads the amount, merchant and date; you tap to confirm. 3 images a month on Free, 300 on Ching Pro. Cloud reading is its own opt-in switch. • Auto-Log Card Taps (requires iOS 27) Add one Ching Shortcut. When a card in Apple Wallet is used, or PayMe tells you money has arrived, Ching posts a notification and one tap confirms the entry. Set it up once. • Quick Manual Entry Expenses, income and transfers in seconds. Merchant categories that learn, multi-currency with live rates, recurring transactions, category budgets, and stock FIFO cost tracking. • AI Spending Insights Monthly spending analysis and trend statistics for tracking where your money goes. Informational only — see disclaimer below. • Cloud Backup (Ching Pro) Encrypted backup. Restore on a new phone in one step. • Privacy First Ching never asks for your bank password and never connects to your bank account. Data stays on your device by default; cloud reading and AI Spending Insights are separate opt-in switches. Free: Unlimited* tracking · Basic stats · 3 AI Spending Insights/month · 3 image reads/month · 3 category budgets Ching Pro: HK$28/month or HK$238/year — Unlimited* AI Spending Insights · 300 image reads/month · Cloud backup · Unlimited* category budgets *Fair-use limits apply to prevent abuse. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Made by an independent developer in Hong Kong. Questions? We'd love to hear from you. Important Disclaimer Ching is a personal expense-tracking tool, not a financial advisor. All content — including AI-generated spending insights — is strictly informational and must not be relied upon as investment advice, a recommendation to buy or sell any security, a solicitation, or any form of regulated financial advice. Ching does not hold any licence from the Hong Kong Securities and Futures Commission (SFC) or any other regulator, and does not carry on any regulated activity under the Securities and Futures Ordinance (Cap. 571). Always consult a qualified, licensed professional before making financial decisions.