图书管家 vs WisCalc

图书管家是新一代图书管理系统，图书管理的好帮手，适用于家庭书房、职工书屋、学校图书馆、幼儿园、班级、绘本馆、农家书屋、图书角、读书会、书店、阅览室等有书场馆，包含一键录书、导出图书、快速找书、轻松借还、上架下架、用户管理等功能。 ●使用场景 - 家里藏书的书房：轻松整理图书清单，有效避免重复买书。 - 单位的职工书屋：借阅登记更方便，员工轻松借还图书。 - 学校的图书馆：一键录书自动识别图书信息，导出图书书目清单。 - 班级的图书角：人人都是小小图书管理员，轻松实现图书相互共享。 - 社区的绘本馆：管理绘本更方便，家长轻松帮孩子借阅绘本。 - 乡镇的农家书屋：随时随地查看书屋有什么书，哪些书可以借阅。 ●主要功能 【一键录书】 扫图书的ISBN条码，自动识别出书名、作者等信息，无需手动填写，录书更高效、更方便。 【导出图书】 可以一键导出图书清单的excel文件，包含书名、作者、ISBN、出版社、简介等信息。 【快速找书】 通过书名、作者、ISBN等可以快速找到想借阅的图书，查看图书是是否可以借阅。 【轻松借还】 用户用手机轻松借还书，如果孩子或老人不用手机，也可以由图书管理员帮用户借还书。 【上架下架】 图书管理员可以上架或者下架书房的图书，下架的图书用户将无法进行查看和借阅。 【用户管理】 图书管理员可以设置用户的借阅权限，包括借阅数量、借阅天数、续借天数、借阅次数等。 ●联系我们 使用图书管家过程中，有任何问题或者好的建议都可以联系我们，我们客服微信：bookeeper-kf，联系邮箱：book423@126.com。

## App Overview WisCalc is a practical loan companion for iPhone that helps you make better borrowing decisions before you apply, and manage repayment with confidence after you borrow. It combines transparent cost comparison, repayment planning, and timely reminders in one lightweight app. Whether you are comparing multiple loan offers or checking if early payoff is worth it, WisCalc gives you clear numbers so you can choose the option that fits your budget. ## Why We Built WisCalc I noticed many people start with small borrowing, but for many reasons, debt can snowball over time. In the end, some people are forced to live around daily repayment pressure, constantly borrowing from one place to repay another. While personal financial habits are part of the story, many loan apps also hide important information. For example, some apps do not clearly list total repayment interest. They may only show an annualized rate, remaining principal, and current due interest. This can create a misleading impression, and the real total amount to be repaid may be much higher than it appears. WisCalc is built to make the full repayment picture clear from the moment you create a loan. It calculates costs across the entire repayment cycle and shows principal and interest for each installment, as well as totals over the full loan period. Exported reports can list all loans, remaining principal, remaining interest, monthly repayment totals, and date-level repayment amounts. In short, WisCalc exists to help you stay fully informed about your loans and repayments. We hope it helps you pay off debt sooner. WisCalc will remain free forever. ## Key Features - Compare multiple loan offers side by side - Add loan products manually with amount, term, rate, fees, repayment method, and early repayment policy. - Instantly compare monthly payment, total repayment, total cost, and estimated effective annual cost. - Preview repayment plans clearly - View installment-by-installment breakdowns of principal, interest, and remaining balance. - Sort offers by total cost or monthly payment to find the most affordable option faster. - Manage active loans after borrowing - Convert a selected offer into your personal loan contract. - Track key dates such as disbursement date and first repayment date. - Mark installments as paid or unpaid to monitor repayment progress. - Simulate early repayment scenarios - Test different penalty rules: no penalty, fixed fee, or percentage-based fee. - See estimated payoff amount, potential interest savings, and overall cost impact before making a decision. - Stay on schedule with reminders - Receive local repayment reminders before and on due dates. - Optionally sync repayment events with your system calendar for better visibility. - Privacy-first local experience - Your loan data is stored on your device. - No required bank API connection for core functionality. ## Who It’s For WisCalc is designed for anyone who wants to borrow more rationally, reduce repayment stress, and avoid hidden cost surprises. ## Note WisCalc provides calculation and planning support only and does not constitute financial or legal advice. Please note that different loan apps can use very different calculation methods. WisCalc tries to match those methods as closely as possible, but you may still see small differences (for example, a few cents) in principal or interest compared with another platform. This is normal. If the gap is larger, you may have selected a different calculation method from the one used by that lender. You can switch methods in the app and compare again. If the result is still not close, please send feedback. We will continue improving this in future updates. Feedback email: owenzx+WisCalc@gmail.com https://www.apple.com/legal/internet-services/itunes/dev/stdeula/