近年來，隨著智慧型手機的蓬勃發展，影響了人們的生活型態，傳統用紙、筆記錄生活開銷的家計簿已不符合人們的需求，故傳統手寫家計簿也逐漸被智慧型手機上的家計簿軟體所取代。目前市面上之記帳軟體大多只具有單一功能，或者功能太多過於繁雜，導致使用者在操作上複雜度增加。
　　本研究所建置之個人理財助理主要是方便使用者管理自身的財務內容，功能有「家計簿」、「金融匯率」、「理財投資」以及「旅遊記帳」四個子系統。在家計簿系統中可以輕易的了解自己的存款、現金以及信用卡消費情形，充份的了解自己的每筆支出的用途。金融匯率系統係採用台灣銀行所公告之牌告匯率，可查詢今日最新匯率及匯率歷史記錄，並且結合外匯存款管理功能。理財投資為記錄使用者買賣基金、股票、保險之資訊，讓使用者可以簡單記錄自身的投資狀況。旅遊記帳則是針對出國旅遊所設計的功能，當使用者出國時可記錄自己的開銷，並提供查詢歷史旅遊紀錄之功能，以便往後出國旅遊花費之參考。
系統架構在iOS5的iPhone上，採用PhoneGap搭配HTML5、CSS、JavaScript達到跨平台開發之開發應用，在本研究中最主要的目的為改善使用者的理財習慣，設計一個人財務助理系統，讓使用者能輕鬆上手。

In recent years, the advancement and popularization of smart phone technology changed people’s way of life. Traditional methods like pen and paper for everyday bookkeeping is no longer enough, and is gradually replaced by handheld bookkeeping applications. But most applications for this purpose have too few or too many features, resulting in unnecessary additional complexity. There’s no trade-off features application for users.
This thesis aims to built an system that can help users manage his or hers wealth or assets with ease, it features four functions: “ Personal Accounts ”,“Exchange Rates”, “Financial Management & Investments” and “Traveling Ledger”. Personal Accounts can help you get a clear view of your savings, cash and credit card usage, letting you keep track of every cent you spent easily. Exchange rates uses data from the Bank of Taiwan, and can check both the current rate and historical rates, and also incorporates foreign investment management functions. Financial management and investments can keep track of sold/ bought stock, funds and insurances, letting the user easily keep track of investments. Traveling Ledger keeps track of money spent when abroad or traveling, and allows checking traveling expense history in the past for assessing future traveling expenses.
The system is designed for the iOS5 of iPhone, using PhoneGap with HTML5, CSS, and JavaScript technologies to achieve cross-platform support. The most important goal we try to achieve is improve the financial managing experience for users by designing a personal assistant system that is intuitive and easy to use.

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