# 旺财 — 守财狗 GuardDog — AI智能识别负债，快速记账，个人账务管理

> AI debt and asset manager that extracts loan details from images for easy tracking. (iPhone/iPad app by 铭高 袁.)

- Source: https://appshunter.io/ios/app/guarddog/id6783556497 (this page in markdown: same URL + `.md`)
- Developer: [铭高 袁](https://appshunter.io/developer/1839832219)
- Category: Finance, Utilities
- Price: $0.99
- Age rating: 4+
- Requires: iOS 18.0 · 7 MB
- Languages: American English, Chinese (Simplified, China)
- Released: 2026-07-01
- Data updated: 2026-08-28
- Monetization: paid
- User reviews in markdown: https://appshunter.io/ios/app/guarddog/id6783556497/reviews.md

## What is 旺财?

拍一张借据，旺财帮你把账算明白。
旺财记账是一款完全本地化的 AI 资产与债务管家。
负债不用 Excel，不用记账 App 手动敲——扫一扫借据截图。
AI 自动提取本金、利率、期数，生成清晰的分期还款计划。
每个月该还多少、先还哪个最省钱，一目了然。
日常开销、还款、收入、支出等现金流水清晰呈现。

  === 核心功能 ===
【快捷记账】
基础功能不用说，快捷方便心不厌，0门槛快速养成记账习惯
支持微信、支付宝、各大银行app的交易对账识别，快速构建历史账目

【AI 扫图识债】
  借据、信用报告、还款计划表——拍一下就行。
  旺财自动识别金额、利率、期数、还款方式，不用你一个一个敲。

  【还款流量图】
  可拖拽的时间轴，一眼看清未来每个月要还多少。
  点一下柱子，当期明细全部展开——本金多少、利息多少、
  还剩几期，清清楚楚。占月收入比例实时计算，
  还款压力是否可控，心里有数。

  【信用报告导入】
  支持人行信用报告 PDF/截图导入，自动解析信用卡
  和贷款列表，增量合并、不重复建重复账。导入后可
  逐项确认后再保存，你的手动修改不会被覆盖。

  【分期还款计划】
  等额本息、等额本金、先息后本、到期还本——都支持。
  每期金额自动算好，到期日前提醒，每还一期点「已还」
  即可，旺财自动更新剩余期数和余额。

  【我的资产】
  绑定银行卡、基金、房产，总资产实时更新。
  净资产 = 总资产 - 总负债，一张图看懂家底。

  【旺财健康分】
  AI 综合评估你的负债率、月供占比、资产结构，
  给出 0-100 的财务健康分和改进建议。分低了，
  旺财会告诉你问题在哪里、该怎么调。

  【隐私第一】
  所有数据存储在您的设备上，绝不上传任何服务器。
  AI 识别通过加密传输到deepseek或智谱等大模型官方接口，识别完成后不保留原始内容。
  无需注册，打开即用。支持面容 ID / 密码保护。

  【附件凭证】
  借据原件、还款截图、合同 PDF——直接挂到对应的
  债务下面。随时回查，不丢失任何凭证。


  === 适合谁用 ===

  • 有多笔贷款/信用卡，想汇总月供、利率、优先还哪个
  • 借了钱想管清楚的人——拍照建档，不用 Excel
  • 需要整理信用报告的人——导入后自动归类
  • 对自己财务状况心里没数的人——旺财帮你盯着


  === 关于我们 ===

  守财狗由一支关心普通人财务健康的团队打造。
  我们不碰你的数据，不上传你的文件。
  每个功能都只为一个目的：让你少一件烦心事。

  有建议或反馈？
  邮件：alien1042421622@gmail.com

支持:  https://jemarisan.github.io/guarddog-support/support.html 
隐私政策: https://jemarisan.github.io/guarddog-support/privacy.html

## Key features

- AI image recognition for debt extraction
- Automated repayment plan generation
- Cash flow tracking
- Financial health assessment
- Local data storage for privacy
- Credit report import and analysis

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/guarddog/id6783556497/reviews.md

### 3/5 — 功能暂时未完善

*2026-08-12*

界面很舒服，但是分类管理里的添加子项目始终无法添加成功并使用，难受呀。

**Developer response:** 谢谢认可和反馈，已经修复。我们会认真对待用户真诚的反馈和建议，并长期更新维护，欢迎继续赐教，谢谢

## Frequently asked questions about 旺财

### How does 旺财 — 守财狗 GuardDog help manage debts?

旺财 — 守财狗 GuardDog uses AI to scan images of loan documents, automatically extracting principal, interest rates, and installment periods. It then generates clear repayment plans and tracks your progress.

### Is my financial data safe with 旺财 — 守财狗 GuardDog?

Yes, privacy is a core feature. All data is stored exclusively on your device and is never uploaded to any servers. AI recognition uses encrypted transmission to official model interfaces and does not retain original content.

### What types of loan repayment plans does 旺财 — 守财狗 GuardDog support?

The app supports various repayment methods including equal principal and interest, equal principal, interest-only then principal, and principal due at maturity. It automatically calculates each installment and reminds you of due dates.

### Can 旺财 — 守财狗 GuardDog import my credit report?

Yes, it supports importing credit reports in PDF or screenshot format from the People's Bank of China. The app automatically parses credit card and loan lists, allowing for incremental merging and avoiding duplicate entries.

### What is the '旺财健康分' (GuardDog Health Score)?

The '旺财健康分' is an AI-driven score from 0-100 that evaluates your debt-to-income ratio, monthly payment proportion, and asset structure. It provides suggestions for improving your financial health.

### Does 旺财 — 守财狗 GuardDog have ads?

No, this application is ad-free. It is a paid app, priced at $0.99, and does not display advertisements to users.

### What devices is 旺财 — 守财狗 GuardDog available on?

旺财 — 守财狗 GuardDog is available for iPhone and iPad devices.

### How often is 旺财 — 守财狗 GuardDog updated?

The latest version is 1.2, and it was last updated on August 20, 2026. This indicates a recent update, suggesting ongoing development and support.

## Version history (last 3 releases)

### 1.2 — 2026-08-20

修复点选分类后，旧分类仍显示选中的问题
记账时可输入备注
记账弹窗内切换账本现在真正生效，记录会写入所选账本
转账支持填写手续费，自动记为一笔支出
修复转账收付可选同一账户的问题
修复自定义子分类重启 App 后丢失的问题
修复分类列表翻页后切换「支出/收入」可能显示空白的问题
其他稳定性改进

### 1.1 — 2026-08-15

1. 相册截图支持多选批量识别
2. 扫描文稿支持多页全部识别
3. 修复同一机构多笔借据可能被误合并的问题
4. 其他稳定性改进

### 1.0 — 2026-07-01

No release notes.

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## More apps by 铭高 袁

- [百灵·Ling](https://appshunter.io/ios/app/ling/id6759032853)

All apps by 铭高 袁: https://appshunter.io/developer/1839832219

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*