书影有鉴 vs WisCalc

书影有鉴是一款专注于书影音与游戏记录的私人文化档案工具。 把读过的书、看过的电影与剧集、玩过的游戏、喜欢的漫画统一整理起来，用日期、评分、感想、书单影单和统计，保存属于你的文化生活。 【一处记录四种热爱】 • 书籍：整理想读、在读与已读书籍，留下阅读日期、评分和感想。 • 影视：记录电影与电视剧，建立自己的观影档案和片单。 • 游戏：保存玩过、正在玩或想玩的游戏，以及属于你的评价与回忆。 • 漫画：收藏喜欢的漫画作品，整理阅读状态和个人记录。 【轻松建立私人档案】 • 通过网络搜索快速添加作品信息。 • 搜索不到时可手动添加，自定义标题、封面与内容。 • 上传封面后按竖版卡片比例裁剪，让档案展示更整齐。 • 添加日期、评分、文字感想和自定义清单，留下更完整的记录。 【整理、回顾与统计】 • 使用书单、影单和自定义清单整理不同主题。 • 通过图鉴与统计回顾自己的阅读、观影、游戏和漫画轨迹。 • 在日历中找回某一天的记录，让过去的体验再次被看见。 • 简洁直观的界面，没有复杂的信息流，专注于记录本身。 【iCloud 同步】 支持通过 iCloud 在你的 Apple 设备间同步数据。同步功能可在设置中开启或关闭。 【会员服务】 书影有鉴提供月度会员、年度会员和终身会员。具体权益及价格以 App 内购买页面显示为准。 月度会员和年度会员为自动续订服务。确认购买后，费用将通过 Apple ID 账户支付；除非在当前订阅周期结束至少 24 小时前取消，否则订阅将自动续订。你可以在系统“设置 > Apple ID > 订阅”中管理或取消订阅。终身会员为一次性购买，不会自动续费。 隐私政策： https://duanxc.notion.site/fad96733d59349eb997429b6356e392b 使用条款： https://duanxc.notion.site/2c488291524d802aa9f4e133ab0de520

## 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/