資產管理 CoRich 共富島：房貸、保險、資產聯動記帳

RoughZone Creative

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About this app

It's not that you can't keep track of expenses; you just need to track your assets!

【CoRich: Giving Your Efforts a Visual View】

Behind every expense lies the weight of supporting a family.

CoRich is a family financial management tool that breaks through traditional frameworks. We don't just help you record numbers; we want to help you see the dynamic relationship between "assets," "liabilities," "investments," and "life."

【Developer's Confession: Why Create CoRich in a Saturated Budgeting App Market?】

As members of a dual-income family, we know how difficult it is to support a "family" in modern society. Behind hard work may lie a 30-year mortgage, expectations for your children's future, and the daily grind.

Sometimes, opening a traditional budgeting app only shows fleeting numbers, which can actually cause anxiety.

So we created CoRich.

We want you to see the beauty of your hard work amidst your tiring daily routine. Here, you'll see more than just income and expense figures; you'll see an island floating in the clouds, home to your family, pets, and the houses, cars, and investments that sit atop this asset island.

It's a landscape you've painstakingly built for yourself and your family, bit by bit.

【Core Features: Making Asset Management an Intuitive Game】

■ Visualized Asset Island and Dynamic Value Linkage Your assets are no longer just dry numbers, but tangible assets on the island.

• Asset Physicalization: Real estate, vehicles, investments, and bank deposits are represented as buildings on the island, providing a comprehensive overview of your family's wealth.

• Dynamic Value Tracking: Investment targets automatically update their prices daily, linking investment positions and net worth to market fluctuations.

• Asset and Liability Integration: Beyond simply calculating ownership, loans and other liabilities are included, providing a more accurate picture of your family's net worth.

■ From Stocks to Futures and Securities Lending, All Recorded in One App No more scattered investments across different apps or Excel spreadsheets.

• Multi-market Stocks: Taiwan Stocks (Listed, OTC, Emerging Stocks), US Stocks, Hong Kong Stocks, Mainland China Stocks, Japanese Stocks, UK Stocks, Singapore Stocks.

• Diverse Investment Categories: Stocks, ETFs, Funds, Cryptocurrencies, Precious Metals, Bonds, Warrants, Futures, CFDs (Contracts for Difference).

• Margin Trading: Financing, Short Selling, Securities Lending, Pledge; Maintenance Ratio and Liabilities are included in Net Asset Value.

• Automatic Portfolio: Futures automatically import Taiwan Futures Exchange settlement price; warrants automatically import expiration date.

• Position Management: Adding to Positions, Selling (Average Cost/FIFO/Designated Batches), Dividend Payouts, Regular Fixed Investment, Rebalancing Recommendations.

• Screenshot Recognition: Take a picture of the brokerage's holdings and quickly import them into your portfolio.

■ Professional-Grade Liability Navigation System: Liabilities are not static numbers; CoRich manages the complete lifecycle of a loan from start to finish.

• Loan Lifecycle Management: Supports different types of loans, including mortgages, auto loans, and credit loans.

• Principal and Interest Tracking: Calculates monthly principal and interest payments and remaining loan balance; supports principal and interest sharing, principal sharing, and interest-only payments.

• Grace Period Management: Supports changes in loan grace periods and subsequent principal and interest repayments.

• Loan Condition Changes: Supports interest rate adjustments, and loan scenarios such as loan rollovers, loan increases, and second-priority payments.

• Automatic Credit Card Bill Calculation: Provides a clear overview of each billing cycle, payment schedule, and reward plans.

■ Precise Cash Flow and Asset Maintenance Costs: Designed specifically for family finances, it not only records past expenses but also tracks available funds.

• Control of Disposable Balance: Differentiates between "Total Account Amount," "Reserved Savings," and "Actual Available Balance," ensuring every dollar has a purpose.

• Holding Cost Tracking: Tracks vehicle maintenance and taxes; tracks real estate loan interest and related maintenance costs.

• Automatic Fixed Income and Expenses Generation: Ensures you don't miss salary, rent, insurance premiums, or monthly loan payments.

• Faster Budgeting: Voice recording, computer keyboard, receipt photos, and two-tiered categorization.

■ Comprehensive Insurance Protection

• Family Policy Management: Create an insurance list for family members and centrally manage protection information.

• Policy-Linked Expenses: Establish records for relevant fixed expenses based on policy details, integrating premiums into family cash flow.

■ Dream Balloon and Milestone Achievements

• Dreams in Progress: Set specific goals such as education funds and home purchase plans; the budget will be like a hot air balloon rising with progress.

• Milestone Achievement: Lock in funds when goals are achieved to ensure dedicated use; after the goals are fulfilled, leave behind your island milestone.

■ Privacy First, Data on Your Phone

• All financial data exists only on your device; no account registration is required; fingerprint, facial, or device password unlocking is available.

• Complete Backup, Restore, and CSV Import/Export.

• Switching from iPhone to Android? Use the iPhone version's export package to transfer all your data at once.

• Desktop Widgets: Today's expenses, one-click budgeting, or place your assets on your desktop.

【Who is this app suitable for?】

1. Family Treasurer

Managing assets, loans, investments, insurance, and income/expenses for your family, and planning for long-term financial future.

2. Diversified Investors

Those who simultaneously hold real estate, stocks, ETFs, funds, cryptocurrencies, precious metals, and even futures, warrants, and margin trading.

3. Mortgage and Multi-Asset Investors

Beyond monthly payments, those who want to monitor principal, interest, grace periods, interest rate changes, refinancing, second-tier loans, and overall asset and liability structure.

4. Excel Novices

Users who seek complete financial logic and precise numerical control, while also desiring mobile convenience and an intuitive visual experience.

【Free Version & Professional Version】 The free version includes core functions such as budgeting, reporting, and more (5 entries each for assets and liabilities, 1 dream goal, 1 project, and 1 photo per entry). Upgrade to CoRich Pro to unlock: Unlimited assets and liabilities, unlimited dream lists and projects, 5 photos per entry, real-time market quotes, multiple reward programs per card, and a complete island gallery.

Monthly and yearly subscriptions are available. Subscriptions automatically renew and can be cancelled at any time on Google Play.

※ Quotes and estimates are for personal asset management reference only and do not constitute investment advice.

This is a life challenge game that grows alongside you.

In your busy life, we invite you to come and see this landscape that belongs to you and can help you unwind.

CoRich — Let your efforts have the most direct visual impact.

Questions and suggestions: [e-mail]

What’s new

・修正台灣用戶看到「戶口」「按揭」等香港用詞的問題，恢復台灣用語
・交易記錄可多選後一次設定付款帳戶，執行前清楚列出影響的帳戶與金額
・修改支出的付款帳戶時，刷退會一併移到同一帳戶；修正刷退編輯後變成一般支出的問題
・整理重複的「略過」會記住，設定中可重新顯示
・選取模式點左側圈圈也能勾選