diff --git a/src/components/usage/format.ts b/src/components/usage/format.ts
index b4a396135..f6a4fbeda 100644
--- a/src/components/usage/format.ts
+++ b/src/components/usage/format.ts
@@ -80,9 +80,21 @@ const CURRENCY_SYMBOL: Record<DisplayCurrency, string> = {
   TRY: "₺",
 };
 
-/** 日元面额大（1 美元约 158 日元），同一处少显示两位小数：$0.0012 → ≈¥0.19 */
+/** 日元面额大（1 美元约 158 日元），同一处少显示两位小数：$0.0012 → ¥0.19 */
 const FEWER_DIGITS: Partial<Record<DisplayCurrency, number>> = { JPY: 2 };
 
+/**
+ * 换算出来的金额是按手填汇率估的，再多位数也不更准：最多两位小数（日元再少两位）。
+ * 美元按调用方给的位数。
+ */
+function shownDigits(display: MoneyDisplay, digits: number): number {
+  if (display.currency === "USD") return digits;
+  return Math.max(
+    0,
+    Math.min(digits - (FEWER_DIGITS[display.currency] ?? 0), 2),
+  );
+}
+
 /** 整数部分加千位分隔：换成日元、里拉后动辄七位数 */
 function groupThousands(fixed: string): string {
   const [whole, frac] = fixed.split(".");
@@ -108,13 +120,7 @@ export function resolveMoneyDisplay(
   };
 }
 
-/** 换算出来的数只是按手填汇率估的，前面加「≈」；0 不加。 */
-function moneyPrefix(display: MoneyDisplay, value: number): string {
-  const approx = display.currency !== "USD" && value !== 0 ? "≈" : "";
-  return `${approx}${CURRENCY_SYMBOL[display.currency]}`;
-}
-
-/** 固定小数位：`$1.23` / `≈¥8.36`。组件里用 `useMoneyFormat()`，别直接传 display。 */
+/** 固定小数位：`$1.23` / `¥8.36`。组件里用 `useMoneyFormat()`，别直接传 display。 */
 export function formatMoney(
   usd: unknown,
   digits: number,
@@ -124,20 +130,26 @@ export function formatMoney(
   const num = parseFiniteNumber(usd);
   if (num == null) return fallback;
   const value = num * display.rate;
-  const shown = Math.max(0, digits - (FEWER_DIGITS[display.currency] ?? 0));
-  return `${moneyPrefix(display, value)}${groupThousands(value.toFixed(shown))}`;
+  const symbol = CURRENCY_SYMBOL[display.currency];
+  const shown = shownDigits(display, digits);
+  const fixed = value.toFixed(shown);
+  // 换算后位数少了，很小的一笔会四舍五入成 0：改写两位有效数字（¥0.0034），别像是免费
+  if (shown < digits && value !== 0 && Number(fixed) === 0) {
+    return `${symbol}${Number(value.toPrecision(2))}`;
+  }
+  return `${symbol}${groupThousands(fixed)}`;
 }
 
 /** 按大小取位数并去掉末尾的 0：`$0.0081` / `$0.012` / `$1.25` */
 export function formatMoneyCompact(usd: number, display: MoneyDisplay): string {
   const value = usd * display.rate;
-  const prefix = moneyPrefix(display, value);
+  const prefix = CURRENCY_SYMBOL[display.currency];
   if (value < 0.01) return `${prefix}${Number(value.toFixed(4))}`;
   if (value < 1) return `${prefix}${Number(value.toFixed(3))}`;
   return `${prefix}${groupThousands(value.toFixed(2))}`;
 }
 
-/** 侧栏这类窄处：100 以上不带小数（`≈¥280`），免得把旁边的标签挤成省略号。 */
+/** 侧栏这类窄处：100 以上不带小数（`¥280`），免得把旁边的标签挤成省略号。 */
 export function formatMoneyShort(usd: unknown, display: MoneyDisplay): string {
   const num = parseFiniteNumber(usd);
   if (num == null) return "--";
@@ -146,7 +158,7 @@ export function formatMoneyShort(usd: unknown, display: MoneyDisplay): string {
 
 /**
  * 坐标轴刻度：画图前就把数据换算成显示币种（刻度才会是 ¥50 这种整数），
- * 所以这里拿到的已是显示币种的值，只加符号；不定小数位，也不加「≈」。
+ * 所以这里拿到的已是显示币种的值，只加符号，不定小数位。
  */
 export function formatMoneyTick(value: unknown, display: MoneyDisplay): string {
   const num = parseFiniteNumber(value) ?? 0;
diff --git a/src/i18n/locales/en.json b/src/i18n/locales/en.json
index 07d824017..90ce15785 100644
--- a/src/i18n/locales/en.json
+++ b/src/i18n/locales/en.json
@@ -2380,7 +2380,7 @@
       "rate": "Exchange rate",
       "rateHint": "Entered by hand and used only for display; costs are still recorded in USD.",
       "rateInvalid": "Enter a number greater than 0",
-      "approxNote": "Converted amounts are marked with ≈. Hover to see the USD value.",
+      "approxNote": "Hover a converted amount to see the USD value.",
       "sidebarToday": "Sidebar \"Today\"",
       "sidebarTodayModes": {
         "cost": "Cost",
diff --git a/src/i18n/locales/ja.json b/src/i18n/locales/ja.json
index 7679f1325..50ccd5f94 100644
--- a/src/i18n/locales/ja.json
+++ b/src/i18n/locales/ja.json
@@ -2380,7 +2380,7 @@
       "rate": "為替レート",
       "rateHint": "手動で入力し、表示の換算にのみ使います。費用は引き続き米ドルで記録されます。",
       "rateInvalid": "0 より大きい数値を入力してください",
-      "approxNote": "換算した金額には「≈」が付きます。ホバーで米ドルの値を確認できます。",
+      "approxNote": "換算した金額はホバーで米ドルの値を確認できます。",
       "sidebarToday": "サイドバーの「今日」",
       "sidebarTodayModes": {
         "cost": "金額",
diff --git a/src/i18n/locales/zh-TW.json b/src/i18n/locales/zh-TW.json
index a43c1f2f7..10a267553 100644
--- a/src/i18n/locales/zh-TW.json
+++ b/src/i18n/locales/zh-TW.json
@@ -2381,7 +2381,7 @@
       "rate": "匯率",
       "rateHint": "手動填寫，只用於換算顯示；費用仍以美元記錄。",
       "rateInvalid": "請輸入大於 0 的數字",
-      "approxNote": "換算後的金額前面帶「≈」，滑鼠移上去可看美元原值。",
+      "approxNote": "換算後的金額，滑鼠移上去可看美元原值。",
       "sidebarToday": "側欄「今日」",
       "sidebarTodayModes": {
         "cost": "金額",
diff --git a/src/i18n/locales/zh.json b/src/i18n/locales/zh.json
index 1d1df8185..4a3ea112f 100644
--- a/src/i18n/locales/zh.json
+++ b/src/i18n/locales/zh.json
@@ -2380,7 +2380,7 @@
       "rate": "汇率",
       "rateHint": "手动填写，只用于换算显示；费用仍按美元记录。",
       "rateInvalid": "请输入大于 0 的数字",
-      "approxNote": "换算后的金额前面带「≈」，悬停可看美元原值。",
+      "approxNote": "换算后的金额悬停可看美元原值。",
       "sidebarToday": "侧栏「今日」",
       "sidebarTodayModes": {
         "cost": "金额",
diff --git a/tests/components/usageFormat.test.ts b/tests/components/usageFormat.test.ts
index c297a8188..2739d9d18 100644
--- a/tests/components/usageFormat.test.ts
+++ b/tests/components/usageFormat.test.ts
@@ -281,13 +281,13 @@ describe("display currency", () => {
     ).toEqual({ currency: "CNY", rate: 7.25 });
   });
 
-  it("marks converted amounts with ≈ but leaves zero and axis ticks plain", () => {
+  it("writes converted amounts with the plain currency symbol", () => {
     const cny = { currency: "CNY" as const, rate: 7 };
-    expect(formatMoney(1.5, 2, cny)).toBe("≈¥10.50");
+    expect(formatMoney(1.5, 2, cny)).toBe("¥10.50");
     expect(formatMoney(0, 2, cny)).toBe("¥0.00");
     expect(formatMoney(null, 2, cny)).toBe("--");
-    expect(formatMoneyCompact(0.001, cny)).toBe("≈¥0.007");
-    expect(formatMoneyCompact(0.0015, cny)).toBe("≈¥0.011");
+    expect(formatMoneyCompact(0.001, cny)).toBe("¥0.007");
+    expect(formatMoneyCompact(0.0015, cny)).toBe("¥0.011");
     // 刻度值画图前已换算，只加符号
     expect(formatMoneyTick(50, cny)).toBe("¥50");
   });
@@ -295,30 +295,44 @@ describe("display currency", () => {
   it("writes each currency with its own symbol and groups thousands", () => {
     expect(formatMoney(30470.55, 2, USD_DISPLAY)).toBe("$30,470.55");
     expect(formatMoney(-1234, 0, USD_DISPLAY)).toBe("$-1,234");
-    expect(formatMoney(2, 2, { currency: "EUR", rate: 0.87 })).toBe("≈€1.74");
-    expect(formatMoney(2, 2, { currency: "TWD", rate: 32 })).toBe("≈NT$64.00");
+    expect(formatMoney(2, 2, { currency: "EUR", rate: 0.87 })).toBe("€1.74");
+    expect(formatMoney(2, 2, { currency: "TWD", rate: 32 })).toBe("NT$64.00");
     expect(formatMoney(100, 2, { currency: "TRY", rate: 48 })).toBe(
-      "≈₺4,800.00",
+      "₺4,800.00",
     );
     expect(formatMoneyTick(20000, { currency: "JPY", rate: 158 })).toBe(
       "¥20,000",
     );
   });
 
+  it("keeps converted amounts to two decimals at most", () => {
+    const twd = { currency: "TWD" as const, rate: 32 };
+    // 悬停用的 6 位、日志用的 4 位，换算后都只留两位
+    expect(formatMoney(64.912461, 6, twd)).toBe("NT$2,077.20");
+    expect(formatMoney(0.0505, 4, twd)).toBe("NT$1.62");
+    expect(formatMoney(1.5, 1, twd)).toBe("NT$48.0");
+    // 小到四舍五入成 0 的一笔写两位有效数字，不写成 0.00
+    expect(formatMoney(0.0001, 4, twd)).toBe("NT$0.0032");
+    expect(formatMoney(0, 4, twd)).toBe("NT$0.00");
+    // 美元照调用方给的位数
+    expect(formatMoney(0.0001, 4, USD_DISPLAY)).toBe("$0.0001");
+    expect(formatMoney(64.912461, 6, USD_DISPLAY)).toBe("$64.912461");
+  });
+
   it("shows yen with two fewer decimals", () => {
     const jpy = { currency: "JPY" as const, rate: 158 };
-    expect(formatMoney(0.0012, 4, jpy)).toBe("≈¥0.19");
-    expect(formatMoney(30470.55, 2, jpy)).toBe("≈¥4,814,347");
-    expect(formatMoney(1.5, 1, jpy)).toBe("≈¥237");
-    expect(formatMoneyShort(0.5, jpy)).toBe("≈¥79");
+    expect(formatMoney(0.0012, 4, jpy)).toBe("¥0.19");
+    expect(formatMoney(30470.55, 2, jpy)).toBe("¥4,814,347");
+    expect(formatMoney(1.5, 1, jpy)).toBe("¥237");
+    expect(formatMoneyShort(0.5, jpy)).toBe("¥79");
   });
 
   it("drops the decimals in narrow spots once the amount reaches 100", () => {
     const cny = { currency: "CNY" as const, rate: 6.8 };
     expect(formatMoneyShort(41.2, USD_DISPLAY)).toBe("$41.20");
     expect(formatMoneyShort(123.456, USD_DISPLAY)).toBe("$123");
-    expect(formatMoneyShort(41.2, cny)).toBe("≈¥280");
-    expect(formatMoneyShort(14.5, cny)).toBe("≈¥98.60");
+    expect(formatMoneyShort(41.2, cny)).toBe("¥280");
+    expect(formatMoneyShort(14.5, cny)).toBe("¥98.60");
     expect(formatMoneyShort(undefined, cny)).toBe("--");
   });
 });
diff --git a/tests/hooks/useMoneyFormat.test.tsx b/tests/hooks/useMoneyFormat.test.tsx
index e5014ea9a..6aac0cf04 100644
--- a/tests/hooks/useMoneyFormat.test.tsx
+++ b/tests/hooks/useMoneyFormat.test.tsx
@@ -31,9 +31,9 @@ describe("useMoneyFormat", () => {
     });
     expect(fmt.currency).toBe("CNY");
     expect(fmt.rate).toBe(7);
-    expect(fmt.money(1.5, 2)).toBe("≈¥10.50");
-    expect(fmt.moneyShort(41.2)).toBe("≈¥288");
+    expect(fmt.money(1.5, 2)).toBe("¥10.50");
+    expect(fmt.moneyShort(41.2)).toBe("¥288");
     expect(fmt.usdHint(1.5)).toBe("$1.500000");
-    expect(fmt.moneyTitle(1.5, 6)).toBe("≈¥10.500000 ($1.500000)");
+    expect(fmt.moneyTitle(1.5, 6)).toBe("¥10.50 ($1.500000)");
   });
 });