Ching - Auto Expense Tracker

Ching is an automatic expense tracker designed for Hong Kong. Payment notifications log themselves, receipts read themselves, and no bank login is ever needed.

• Auto-Log From Notifications
When a payment notification arrives from Octopus, PayMe (money received), AlipayHK, Google Wallet, Samsung Wallet, HSBC, Hang Seng, BOCHK, Standard Chartered or Mox, Ching reads the amount and merchant and one tap confirms the entry. Free for everyone — you only grant Ching notification access once in your system settings.

• Receipt Photos
Snap a paper bill, or pick a PayMe, Octopus or bank payment screenshot from your album. Ching reads the amount, merchant and date; you tap to confirm. 3 images a month on Free, 300 on Ching Pro. Cloud reading is its own opt-in switch.

• Quick Manual Entry
Expenses, income and transfers in seconds. Merchant categories that learn, multi-currency with live rates, recurring transactions, category budgets, and stock FIFO cost tracking.

• AI Spending Insights
Monthly spending analysis and trend statistics for tracking where your money goes. Informational only — see disclaimer below.

• Cloud Backup (Ching Pro)
Encrypted backup. Restore on a new phone in one step.

• Privacy First
Ching never asks for your bank password and never connects to your bank account. Data stays on your device by default; cloud reading and AI Spending Insights are separate opt-in switches.

Free: Unlimited* tracking · Notification auto-logging · Basic stats · 3 AI Spending Insights/month · 3 image reads/month · 3 category budgets
Ching Pro: HK$28/month or HK$238/year — Unlimited* AI Spending Insights · 300 image reads/month · Cloud Backup · Unlimited* category budgets
*Fair-use limits apply to prevent abuse.

Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your Google Play subscription settings.

Made by an independent developer in Hong Kong. Questions? We'd love to hear from you.

Important Disclaimer
Ching is a personal expense-tracking tool, not a financial advisor. All content — including AI-generated spending insights — is strictly informational and must not be relied upon as investment advice, a recommendation to buy or sell any security, a solicitation, or any form of regulated financial advice. Ching does not hold any licence from the Hong Kong Securities and Futures Commission (SFC) or any other regulator, and does not carry on any regulated activity under the Securities and Futures Ordinance (Cap. 571). Always consult a qualified, licensed professional before making financial decisions.

Recent changes:
新增「交易選項」：支出可設為不計入預算，借出或代付的錢不再吃掉預算額度，帳目仍如常記錄。還款可一次過揀多位朋友的收款，合併對應同一筆支出。已擷取的收款卡上，「轉賬」直接顯示在「收入」旁邊，不再收在選單內。帳目空白頁面在上方有待確認付款時，會清楚提示你先確認。