**Full disclosure: I’m the indie developer behind this app.**

# A — Answer

One day, my wife asked me a surprisingly simple question:

**“How much money do we actually have as a household?”**

I roughly knew the balance in my own accounts. But once we included both of our savings, investments, property, and debts, I honestly couldn’t give her a clear answer.

When we finally reviewed everything, we discovered that we had RMB 30,000 less than we expected.

We had tried budgeting apps and spreadsheets before, but eventually realized that tracking every coffee wasn’t our real problem.

Our real problem was that our money was scattered across multiple accounts and managed by two different people. We each understood our own part, but neither of us could see the complete financial picture of our household.

So I built **Jiadi’er (家底儿)**, an iOS app for couples and families to periodically review their household assets, liabilities, net worth, and shared financial goals.

Instead of recording every transaction, we update our account balances every few weeks or once a month.

The app includes:

* Shared household asset and liability tracking
* Net worth and cash-flow trends
* Shared savings goals
* Multiple currencies
* Family member collaboration
* English and Simplified Chinese interfaces
* PDF household financial reports

The app does not connect to your bank or ask for banking credentials. Account balances are entered manually.

# B — Better

Compared with a full budgeting app such as YNAB, Jiadi’er is intentionally lighter.

It is not designed for detailed daily budgeting or tracking every transaction. It is designed for couples who want to periodically answer a simpler question:

**“How much do we own, how much do we owe, and are we moving toward our shared goals?”**

For our household, this lighter monthly-review approach has been much easier to maintain.

# C — Cost

**$0.99 one-time paid download.**

All current features are included. There is no subscription and no in-app purchase. Apple Family Sharing is supported.

App Store:  
[https://apps.apple.com/us/app/%E5%AE%B6%E5%BA%95%E5%84%BF/id6757951397]()

# Developer Transparency

I’m **Cheng Qu**, the independent developer of Jiadi’er. I built the app and I’m posting it here myself.

* About the developer: [https://family.qinfu-cloud.cn/en/about/](https://family.qinfu-cloud.cn/en/about/)
* Privacy Policy: [https://family.qinfu-cloud.cn/en/privacy/](https://family.qinfu-cloud.cn/en/privacy/?utm_source=chatgpt.com)
* Terms of Service: [https://family.qinfu-cloud.cn/en/terms/](https://family.qinfu-cloud.cn/en/terms/)
* Contact: [qinfutech@163.com]()

My identity and relationship to the app can also be verified through the developer information listed on the App Store.

I’d genuinely appreciate your feedback. Is the problem of seeing your complete household financial picture something you’ve experienced with a partner or family? Does a monthly balance-update approach sound sustainable to you?

My wife asked how much money we actually had. I couldn’t answer—so I built Jiadi’er ($0.99 one-time)