Xiaojinku 小金库

Most net-worth trackers show you one big, flattering number. But that number is before tax — and if you actually sold everything tomorrow, a chunk of it wouldn’t be yours.

Xiaojinku shows the real number: what you’d actually walk away with, after estimating the tax on your investments based on how long you’ve held them. It adds up everything for a household of two — yours, mine and ours — without counting transfers twice.

Every morning I open it to ask one question: can I lie flat today? (Not yet.)