By Shaowen Lu
Report updated May 12, 2026
美股記帳本
For taiwanese investors who manage both local sub-brokerage accounts and international US stock brokerages.
美股記帳本 is an established finance app that is free with in-app purchases.
What is 美股記帳本?
美股記帳本是一款專為台灣投資者設計的投資組合管理應用，支援跨國與本地券商帳戶的績效追蹤。
投資者需要一個能處理複雜匯率轉換與批次成本計算的工具，以精確評估跨國資產的真實報酬率。
Current Momentum
v1.0 · 2w ago
Maintenance- Released initial version September 2025.
- Maintains steady update cadence for stability.
Active Nemesis
Fragmented niche
No dominant direct rival identified yet — see Other Rivals below.
Other Rivals
Rating Pulse 🇺🇸
Gathering signals...
What makes this app unique?
How Is The App's Momentum Right Now?
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What Are The Key Features?
Supports tracking of multiple investment accounts including foreign brokers and Taiwan-based sub-brokerage accounts.
Calculates investment performance using weighted average or batch identification methods.
Automated data backup and sync across iOS devices using personal iCloud storage.
How much does it cost?
- Free tier limited to 2 accounts and 10 stocks with ads
- Premium tier at NT$100/month or NT$990/year
Strict quantity caps on the free tier force conversion for serious investors managing multiple portfolios.
Who Built It?
Enrichment in progress
Publisher profile available very soon
What other apps does Shaowen Lu make?
iQuery - 基金淨值查詢
Finance
台股記帳本
Finance
AccountingBook - MyAsset LT V2
Finance
Accounting Book - MyAsset V2
Finance
What do users think recently?
Analysis in progress, available soon
What is the competitive landscape for 美股記帳本?
How's The Finance Market?
Market outlook for this category
Available very soon
The rivals identified
Peers
Operates as a debt crowdfunding marketplace, offering direct investment opportunities rather than just portfolio tracking.
Integrates Sharia-compliant investment options, catering to a specific niche of investors with unique ethical requirements.
Focuses on business-grade multi-currency payment transfers rather than just personal investment portfolio tracking.
Includes robust upcoming payment management features that help users maintain liquidity across different financial accounts.
Percentrade
★1.0 (1)Mehmet Bayram
Percentrade serves the same user base of active traders who require specialized calculators to manage risk and investment outcomes.
Provides dedicated trading risk and margin call calculators specifically designed for high-leverage market participants.
Supports multi-asset classes, allowing traders to calculate target prices across various financial instruments beyond stocks.
Currency Rates Converter Live
★5.0 (2)Robust Research And Development Ltd.
This app competes for the attention of international investors who need real-time currency conversion to manage multi-currency portfolios.
Provides live exchange rate data which is essential for cross-border asset valuation and reporting.
Offers offline mode functionality, allowing users to check currency rates without an active internet connection.
New Kids on the Block
Uses an automated recommendation engine to suggest the best credit card for specific purchase categories.
Subly: Subscription Manager
0Robust Research and Development Ltd.
This newcomer competes for the user's financial attention by helping them track recurring expenses, which impacts overall investment capital.
Automates the discovery of recurring subscriptions to provide a clearer picture of monthly disposable income.
The outtake for 美股記帳本
Strengths to defend, gaps to attack
Core Strengths
- Batch-identification cost tracking provides professional-grade accuracy for tax-conscious investors
- iCloud-native data storage ensures user privacy and data portability
Critical Frictions
- Free tier limits (10 stocks) are too restrictive for active portfolios
- No social or community features to drive organic growth
Growth Levers
- Integration of automated dividend tax reporting for US stocks
- Expansion into wearable widgets for quick portfolio snapshots
Market Threats
- High-leverage trading apps capturing the active-trader segment
- Currency-converter apps offering superior offline valuation tools
What are the next best moves?
Raise free-tier stock limit to 20 because current 10-stock cap is a primary conversion friction point → increase top-of-funnel retention
The 10-stock limit is too restrictive for active portfolios, creating a barrier to long-term usage.
Trade-off: Pause the development of the dividend tax reporting feature to prioritize user acquisition.
A counter-intuitive read
The app's strict free-tier limits are not a monetization strategy but a growth bottleneck that prevents the product from reaching the critical mass needed to compete with larger finance platforms.
Feature Gaps vs Competitors
- Real-time margin call calculators (available in Percentrade)
- Offline currency valuation mode (available in Currency Rates Converter Live)
Key Takeaways
The app provides high-accuracy cost-basis tracking for a specific niche, but the aggressive free-tier limits risk alienating users before they realize the value, so the PM should prioritize expanding the free-tier capacity to drive higher conversion rates.
Where Is It Heading?
Stable
The market for specialized investment tracking in Taiwan is consolidating around tools that offer both precision and ease of use. The app is well-positioned for its niche but must address the free-tier friction to avoid losing market share to more accessible alternatives.
The app maintains a steady update cadence focused on stability, which preserves the core utility for existing power users.