MoneyTrails
Know Your Real Returns
Broker apps show holdings, not real returns. MoneyTrails uses the professional Modified Dietz algorithm to calculate true performance, accounting for cash flow timing. 100% local storage. No sign-up needed. Download and go.
Core Features
Track, analyze, and master your investments
Investment Accounting
Record in seconds
Log deposits, withdrawals, and transfers in seconds. Multi-currency support with automatic exchange rates — say goodbye to messy spreadsheets.
Returns Analysis
See your real returns
Modified Dietz algorithm factors in cash flows to reveal your true performance. Annual comparisons, benchmark tracking, and asset curves — always know where you stand.
Dividend Tracking
Passive income, tracked
Set annual dividend goals and track progress automatically. TTM-based projections and historical trends keep you ahead.
Policy Management
Never miss a renewal
Store family insurance policies in one place. Get automatic renewal reminders so coverage never lapses.
Smart Reminders
Never miss what matters
Custom reminders build good habits. Renewal alerts keep your coverage intact.
Easy Sharing
Share in seconds
Generate beautiful shareable images or export PDFs. Email groups for effortless family financial transparency.
Why MoneyTrails
Built for real investor pain points
Real Return Clarity
Brokers show holdings. MoneyTrails shows your true return with Modified Dietz, adjusted for every deposit and withdrawal.
Global Assets, One View
CNY, USD, HKD, EUR... auto-converted so you see your total exposure at a glance, wherever you invest.
Data Never Leaves Your Phone
100% local storage. No upload, no account, no leaks. Your financial privacy stays yours alone.
No Account Required
Download and use instantly. No phone number, no password. Works offline on planes and subways.
Clean & Focused
No bloat, no clutter. Every tap gets you closer to tracking, analyzing, or managing your policies.
Everything in One App
Accounting, analysis, dividend tracking, policy management, and sharing — all in one place.
Screenshots
Clean, intuitive, built for investors
FAQ
Still have questions?
How are returns calculated?
We use the Modified Dietz method, the industry-standard money-weighted return formula. It accounts for the timing of deposits and withdrawals, making it far more accurate than simple return calculations.
Is my data secure?
100% local storage with no cloud upload and no personal data collection. No account needed — your financial data belongs to you alone.
Which currencies are supported?
Major currencies including CNY, USD, HKD, and EUR, with automatic exchange rate updates.
How many accounts can I manage?
Multiple investment accounts and policies, plus summary accounts for unified portfolio views. See in-app details for version-specific limits.
Do I need to register? Can I use it offline?
No registration required — download and go. Core features work offline except for exchange rate updates.