404 Money－Rewards & Net Worth
Best-Card Picks & Cap Tracking
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
We find the money you didn't know you were losing. 404 Money calculates real-time credit card rewards, tracks cap limits, and unifies your net worth. 100% local storage.
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.
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CORE FEATURES
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* 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.
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OUR PROMISE: LOCAL-FIRST, ZERO ACCOUNTS
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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/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
- Multi-Currency Inter-Account Transfers: Support for cross-currency transfers between accounts—say goodbye to tedious dummy deposits/withdrawals.
- Custom Color Schemes: Support for customizing chart colors for market gains and losses (Red/Green preferences).
- Card & Shortcut Optimizations: High-visibility alerts now show if a specific merchant only qualifies for base rewards, preventing you from using the wrong card.
- iOS Shortcut Fixes: Fixed the amount-linking errors in iOS top-up and bookkeeping shortcuts.
- Streamlined Daily Experience: The home page, bookkeeping, and embedded calendars now all share the quick month/year selector and monthly summaries.
- Account Personalization: Local custom avatars will no longer be overwritten upon login.
Update now to experience a more intuitive and seamless financial management!
The developer, TSZ WAN YUE, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Location
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- TSZ WAN YUE
- Size
- 63.1 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English and Traditional Chinese
- Age Rating
4+
- 4+
- Copyright
- © 2026 Edwin Yue