MoneyTrails
Know Your Real Returns
Record cash flows and understand investment returns with the Modified Dietz method. Keep dividends, debt, and family policies together. Financial records stay on your device; core tracking needs no sign-in.
Core Features
Bring investments, dividends, debt, and policies into your daily routine
Investment Accounting
Record in seconds
Record deposits, withdrawals, and transfers. Track multiple currencies and consolidate accounts with automatic conversion. Core tracking needs no sign-in; explore sample records before adding your own.
Returns Analysis
See your real returns
Understand investment performance with Modified Dietz, which accounts for cash flow timing. Explore interactive asset charts, annual comparisons, and market benchmarks.
Dividend Tracking
Passive income, tracked
Set annual dividend goals and track progress automatically. TTM-based projections and historical trends keep you ahead.
Policy Management
Less typing. More clarity.
Extract details on-device from a PDF or screenshots of one policy, then review before saving. Keep original attachments and link multiple insured people to manage family coverage together.
Smart Reminders
Never miss what matters
Custom reminders build good habits. Renewal alerts keep your coverage intact.
Easy Sharing
Share in seconds
Create shareable images of accounts, policies, and annual return comparisons. Export debt accounts to Excel, and choose what to send before sharing.
Debt Management
Keep repayments in view
Review principal, interest, remaining installments, and repayment schedules in one place. Follow changes in your debt and export to Excel for review.
Home Screen Widgets
Your accounts at a glance
View investments, consolidated accounts, and dividend portfolios on your Home Screen. Choose accounts and hide amounts. Requires iOS 17 or later; displays records last updated in the app.
iCloud Backup
Keep a copy of your records
iOS Pro can create full backups, keeping the latest three per device. Restore existing backups after Pro expires. Restoring replaces local data without merging edits across devices. Automatic backup is off by default.
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.
Local records, optional backup
Policy import runs on-device and financial records are local by default. iOS Pro offers optional full iCloud backups. You decide when to back up or share.
No Account Required
Download and use instantly. No phone number, no password. Works offline on planes and subways.
Clean & Focused
A blue interface and interactive charts make records easier to read. Explore investments and debt with guided introductions and sample data before adding your own records.
Everything in One App
Track investments, returns, dividends, debt, and policies. Add widgets, backups, and sharing or exports to keep daily management in one place.
Screenshots
3.0 preview · Real screens with fictional sample records
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?
Financial records are local by default and policy import runs on-device. In 3.0, iOS Pro users can choose full iCloud backups; automatic backup is off by default. Account services, market data, and sharing may require the internet. See the Privacy Policy for details.
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?
Core tracking works offline without an account. Exchange rates, market data, account services, iCloud backup and restore, and sharing may require the internet. Version 3.0 adds Sign in with Apple.