Ching 清數 — AI 自動記帳理財

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About this app

【Ching — Clear Accounts. Clear and Concise.】

Don't want to manually record every transaction? Ching directly reads payment notifications from your phone and automatically creates transaction records for you—you only need to confirm with one click, no need to type any numbers.

Developed by an independent developer in Hong Kong, deeply integrated with the local payment ecosystem.

━━━ Core Features ━━━

🔔 Automatic Notification Capture (Android) When you're out and about using Octopus card, Google Pay, Samsung Pay, or transferring funds via HSBC or BOC App, Ching instantly reads payment notifications and automatically adds them to the confirmation area for you to record with one click. If someone transfers funds to you via PayMe, that transaction will also be automatically recorded. Never automatically deposit funds without confirmation—ultimate control is in your hands. (Supported banks are being added continuously)

✏️ Manual Quick Recording Don't want to authorize notifications? You can still use it. The interface is extremely simple, completing a transaction in seconds. Cash, wallets, all transactions are recorded.

🏷️ Automatic Merchant Categorization
Automatically categorize each transaction. The free version uses rule-based recognition to handle common merchants; the Pro version upgrades to AI recognition, recognizing even less common merchants and irregular names.

🤖 AI Spending Insights
Don't know where your money went? Ask Ching AI for instant personalized spending analysis based on your actual spending records. (Free version: 3 times per month; see disclaimer below for details)

📊 Budget Reminders
Set budgets for different spending categories and receive reminders before you overspend. (Free version: 3 categories; Pro version: unlimited categories + customizable reminder thresholds)

☁️ Cloud Backup (Pro)
Save your records securely even when switching devices.

Also includes multi-currency support, fixed income and expenses tracking, stock cost tracking, and other practical features.

━━━ Privacy First ━━━
Ching does not need your bank login password, nor will it access your online banking to collect data. We only read notification texts from the few payment apps you specifically designate; all other notifications are ignored. All data collection is completed locally on your device. Your financial data will not be used for any model training, and it will certainly not be collected and sold to third parties.

━━━ Free Version vs Pro Version ━━━

✅ Free Version (Forever Free)

- Unlimited Manual Budgeting (Income, Expense, and Transfers)

- Automatic Notification Capture

- Automatic Merchant Categorization (Rule Recognition)

- Basic Statistical Charts

- Budget Reminders (Up to 3 Categories)

- AI Consumer Insights 3 Times Per Month

⭐ Pro Version (HK$28/Month or HK$238/Year)

- Unlimited AI Consumer Insights and Conversation Analysis

- AI Automatic Merchant Categorization (Recognizes Even Uncommon Merchants)

- Cloud Backup

- Unlimited Budget Categorization + Customizable Reminder Thresholds

- More Advanced Features to be Released

━━━ Frequently Asked Questions ━━━

Q: Do I really not need to provide my bank password?

A: 100% no. Ching only reads the payment notification text on your phone and will not access your bank account or login information at all.

Q: Will the notifications show my other messages?

A: No. Ching only processes notifications from your designated payment apps (Octopus, Google Pay, etc.). All other notifications are ignored, neither read nor saved.

Q: What are the limitations of the free version?

A: Core expense tracking is completely free, ad-free, and unlimited. Pro unlocks unlimited AI consumer insights, AI merchant identification, cloud backup, and unlimited budget categorization.

Q: Which payment methods are supported?

A: Automatic expense tracking currently supports Octopus, Google Pay, Samsung Pay, and payment notifications from the HSBC and Bank of China apps. More will be added gradually.

Download now and start settling your accounts today.

━━━ Important Disclaimer ━━━
Ching is a personal expense tracking tool and not a financial advisor. All content (including AI-generated consumer insights) is for informational purposes only and should not be considered investment advice, a recommendation to buy or sell any securities, a solicitation of an offer, or any regulated financial advice. Ching does not hold a license issued by the Hong Kong Securities and Futures Commission (SFC) or any other regulatory body, nor does it engage in any regulated activities under the Securities and Futures Ordinance (Chapter 571 of the Laws of Hong Kong). Please consult a qualified licensed professional before making any financial decisions.

What’s new

Fixes a batch of multi-currency bugs: foreign-currency entries recorded as HKD, mixed-currency totals adding across currencies, and cross-currency transfer amounts. After updating, the app automatically checks and repairs affected records — your original entries are never altered, and a backup is made first.