404 Money－Rewards & Net Worth
TSZ WAN YUE
Every month, you are losing money. Not because you spend too much, but because you swipe the wrong card. Credit card rules change every quarter. Caps get maxed out without warning. And your savings, stocks, and assets remain scattered across multiple bank apps. 404 Money is an active decision engine built for multi-card holders and smart investors. Unlike passive expense trackers that only log data after the fact, 404 Money calculates the optimal reward combo right at the point of spending. No need to memorize complex rules. No need to monitor caps manually. We find the money you didn't know you were losing. ---------------------------------------- CORE FEATURES ---------------------------------------- * Real-Time Reward Calculation Log an expense in 3 seconds. 404 Money automatically applies your card's current multiplier, category bonus, and exclusions, calculating your exact cashback down to the cent. * Cap & Spending Threshold Tracking Visual progress bars track remaining quota before you hit bonus tiers or reward caps. Cards that have maxed out their rewards are flagged automatically so you never waste a swipe. * Best-Card Decision Engine Based on your real-time monthly spending and merchant categories, 404 Money dynamically recommends the single best card to use for your next purchase. * Unified Assets & Real Net Worth Stop switching between five different apps to check your wealth. Track cash moves, term deposits, US/HK/TW equities (with automatic dividend tax deductions), and real estate appraisals. View your true net worth powered by WAC cost basis and FIFO lot breakdowns. * Two-Step Payables & Debt Settlement Convert card expenses into trackable payables with one swipe. Track partial settlements, billing cycles, and true outstanding debt cleanly. * Community Card Scripts Declare custom reward strategies via declarative scripts or subscribe to community-tested rules. Official card catalogs and user strategies remain strictly segregated for maximum accuracy. ---------------------------------------- OUR PROMISE: LOCAL-FIRST, ZERO ACCOUNTS ---------------------------------------- Your financial life belongs to you, not our servers. - Zero Accounts Required: Open the app and start immediately. No email, no phone number, no sign-up wall. - 100% Local Storage: All entries, holdings, and valuations are encrypted directly on your device. - No Tracking: We do not collect or sell your personal spending habits. Privacy is fundamental. Your money, returned to you in full. Download 404 Money today and recover the rewards and assets you've been missing. Terms of Use (EULA): https://404money.app/terms/
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