11月6日的MyMoneyConcierge: Budget应用程序分析

MyMoneyConcierge is a private budget tracker, expense tracker and net worth tracker built on one promise: every balance adds up. Behind the simple screens is a double-entry ledger, the same bookkeeping accountants use. You never see debits and credits, but every transaction balances, transfers between your own accounts are never counted as spending, and a credit-card payment is never counted twice. Tap any figure to see exactly which transactions make it up. BUDGET AND SPENDING TRACKER • See what is safe to spend this month, money in, money out and what is due in the next 30 days. • Explore spending by category and see how much goes to committed, everyday and optional expenses. • Set budgets and goals, compare your spending pace with a typical month and follow your savings rate over the past six months. NET WORTH TRACKER • Bring cash, checking accounts, savings, investments, property, credit cards and debts into one picture. • Follow your net worth over time and keep accounts in different currencies side by side. BILL REMINDERS AND CASH FLOW PLANNER • See expected charges for the next 90 days, based on payments that have repeated before. • View them on a calendar and set optional reminders the day before a regular payment. RECORD IT YOUR WAY, BANK OPTIONAL • Add an expense, income or transfer in a few taps, or from the app icon's quick action. • Import bank statements in CSV, OFX, QFX, QBO or QIF format, with a preview before saving and duplicate detection. • Moving from another money manager app? Import its export and keep your history. • Attach receipt photos to any transaction. • With the Connected plan you can link up to five accounts at supported Canadian and US institutions. Updates depend on your bank, and the app tells you how complete your data is ("complete through" a date). PRIVATE BY DESIGN • Your ledger is stored encrypted on your device, with the key held by the phone's secure hardware. • Lock the app with your fingerprint or face unlock, and hide amounts with one tap. • Light and dark mode. No ads. We do not sell your data. YOUR DATA STAYS YOURS • Create encrypted backups and restore them on a new phone. • Export everything as CSV, PDF reports or a full archive with receipt photos. • If your free trial ends or your subscription lapses, you can still export or delete all your data. OPTIONAL INSIGHTS Plain-language insights explain your month. Nothing is ever changed in your ledger without your confirmation. PLANS • Personal: the full ledger, manual entry, imports, backups, reports and 25 insights a month. • Connected: everything in Personal, plus bank connections for up to five accounts and 100 insights a month. Both plans are available monthly or yearly. Every new install includes a 14-day free trial of Personal, no card needed. When the trial ends, a paid plan is needed to keep using the app. Bank connections need Connected. Nothing is charged, and the trial never turns into a subscription by itself. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in Google Play under Payments & subscriptions. Available in English, French and 13 more languages.