hxmy asset

Your money, in one place — and only on your phone.

hxmy asset tracks what you own, what you owe, and where it all went. There is no account to create, nothing to sign in to, and no cloud sync. Your financial data lives in a database on your device.

LEDGER
• Quick-add for everyday spending and income
• Recurring bills posted automatically — rent, subscriptions, loan payments
• Optional notification capture: off by default. Notifications containing an amount become a draft in an inbox; nothing counts until you confirm it. See PRIVACY below.

ASSETS & LIABILITIES
• Bank, brokerage, e-wallet and crypto accounts
• Loans with real schedules: mortgage, car, and the rest
• Manually valued things: property, a car, domain names
• Tag each account with where it is held — its custody location and tax situs — and the tax estimator uses that tag in its calculation

CARD WALLET
• Credit cards: statement, available credit, annual fee, installments, benefits
• Debit balances tracked right beside them
• Custom card faces

TAX ESTIMATOR
• 8 jurisdictions: CN, HK, TW, MO, JP, DE, GB, US
• Taxable base = gross − standard exemption − pre-tax deductions
• Shows the estimate against what has already been withheld

FUEL GAUGE
• What you can still spend this month = monthly income − remaining recurring bills − what you have already spent
• No budgets to set up, no envelopes to maintain

ANALYSIS
• Net-worth trend over time
• Composition rings for assets, spending and income
• Income broken down by source region, so you can see where the money comes in from

BACKUP
• Encrypted local backup and restore (AES-GCM with PBKDF2)
• Scheduled automatic backups at an interval you set, written to a folder you choose — they survive uninstalling the app
• No background scheduler: it only checks while the app process is alive, and a missed cycle is caught up next time you open it
• Keeps the 3 latest automatic and 3 latest manual backups, plus an older one
• The file is yours — keep it wherever you like. Nothing goes to a server.

ON EVERY SCREEN
• Adapts to phone, tablet (two-pane list and detail) and foldable
• Home screen widget: net worth at a glance without opening the app
• Available in 5 languages
• No ads. No analytics or tracking SDKs.

PRIVACY
• Local-only by design: your financial data stays in the local database on your device
• No account, no sign-up, no cloud sync
• The network is used only for public market data (FX rates, crypto prices) and Play billing
• Notification capture is optional and off by default. The permission technically exposes all notifications; the app only drafts from those containing an amount and discards the rest. Drafts need your confirmation and are parsed on the device only — content never leaves it.
• Optional app lock with fingerprint, face or device PIN — off by default

PRICING
• Free to download, and every feature is usable for free.
• You get 100 free write operations (adding records). A plan removes that cap — entries become unlimited. **There is no premium-only feature**; paying lifts the usage limit, it doesn't unlock anything new.
• 2-month free trial, started through a Google Play subscription.
• Important: after the 2-month free trial the subscription automatically continues as a paid, auto-renewing plan unless you cancel before the trial ends.
• Monthly US$1.99 or yearly US$19.99 — auto-renewing subscriptions.
• Or pay once for lifetime access: US$39.99.
• Prices are stated in US dollars. Google Play charges you in your local currency, at the price shown on this store page.
• Cancel anytime in Google Play (Play Store → Payments & subscriptions).
• Once the free allowance is used up and no plan is active (for example after you cancel), the app becomes read-only: everything you have already entered stays fully viewable and exportable, but adding and editing are locked.

Tax figures are estimates to help you plan ahead. They are not tax advice. All tax computation happens on your device.