财谱 vs Pigni

财谱是一款面向长期资产视角的个人财务管理工具。你不必记录每一笔流水，只需维护账户余额、投资持仓、负债和实物资产，就能随时看清自己的净资产。 主要功能： • 资产总览：集中查看总资产、负债与净资产 • 账户与持仓：管理银行账户、网络账户、投资账户、贷款及更多账户类型 • 实物资产：记录房产、车辆、摄影器材、电子产品等资产 • 长期趋势：用历史快照了解净资产变化 • 资产配置：查看不同资产类别的占比与金额 • 多币种：按默认货币汇总资产，并保留原币种信息 • 灵活排序：长按调整账户、分类和资产顺序 • 桌面小组件：无需打开 App 即可查看关键信息 • iPhone 与 iPad：针对不同屏幕提供自适应布局 • 本地优先与私人 iCloud：更改先保存在设备上，再同步到当前 Apple ID 的私人 iCloud 数据库 财谱不要求额外注册账号，不投放广告，也不使用第三方追踪服务。你的财务数据属于你，并保存在你的设备和私人 iCloud 空间中。 AI 助手和估价功能为可选功能，需要自行配置服务商或访问凭证。聊天消息会发送到你配置的服务商；只有明确选择分享财务概览后才会附加相应数据。核心资产管理无需启用这些功能。 少记流水，多看全局。用财谱建立清晰、可持续的个人资产视图。

Pigni is a local-first expense tracker that turns screenshots, voice notes, manual entries and imported bills into records you can review before saving. With Pigni, you can: • Review spending with calendars, trends and category reports; • Extract candidate details from bill screenshots and confirm them before saving; • Create entries quickly with voice or natural language; • Manage multiple ledgers, budgets, accounts, tags, refunds and reimbursements; • Import and export data, with optional iCloud backup; • Configure a compatible provider for optional AI-assisted organization and analysis. Your ledger stays on your device by default. Camera, photo, microphone, speech recognition, notification and biometric permissions are requested only when the corresponding feature needs them. Third-party AI, iCloud backup and feedback are used only when you configure or start them. AI and OCR results may be incomplete or incorrect. Verify important financial records against your bank, payment provider or official receipt. Some advanced features require membership; prices, periods and renewal details are shown on Apple's purchase confirmation screen. Privacy Policy: https://lagomfan.github.io/pigni-legal/privacy/ User Agreement: https://lagomfan.github.io/pigni-legal/user-agreement/