i自由 vs CentsNote

自由 —— 为认真规划财务自由的人，准备的资产管理工具 不必每天手动记账，也不必在多个 App 之间来回切换。从截图导入持仓，到股息自动计入被动收入，再到测算「还要多久财务自由」——把资产、收入与目标放在同一张图里，让规划有据可依。 核心功能 一键截图导入 支持支付宝基金、同花顺股票等截图识别，自动提取持仓与金额，减少手工录入，资产更新更省心。 股息自动追踪 实时关注持仓分红，股息自动计入被动收入，分红到账少记一笔、漏记一笔。 财务自由测算 结合现有资产、被动收入（含股息）与目标，估算达成财务自由的大致年限，让长期规划有数可依。 多市场支持 覆盖 A 股、港股、美股、新三板，行情与分红动态集中查看，跨市场持仓不再分散。 全景财务视图 资产、负债、收支以图表呈现，趋势一目了然，帮助你看清钱从哪里来、到哪里去。 适合这样的你 正在积累被动收入、向财务自由迈进 持仓分散在多个平台，厌倦重复录入 希望用数据回答：「按现在的节奏，还要多久？」 立即开始，规划你的被动收入人生。

CentsNote is a private daily expense tracker for people who want a simple, safe way to log spending, income, budgets, bills, and subscriptions without connecting a bank account. Use it as a manual expense tracker, spending tracker, money tracker, budget app, bill tracker, or subscription tracker for everyday life. Record breakfast, coffee, groceries, rent, utilities, salary, transfers, travel spending, shared costs, recurring bills, and the small purchases that are easy to forget. It is designed for people who want clarity without a complicated finance setup: students watching daily cash spending, freelancers separating work and personal expenses, travelers logging multiple currencies, families tracking household bills, and anyone who prefers a safe manual money log instead of automatic bank sync. You can type a record manually or speak one money note. CentsNote helps turn voice input into editable drafts, then you review the amount, category, account, date, and memo before saving. One sentence can become multiple records when needed, but every entry stays under your control. CentsNote is useful if you want to: - Track daily expenses, income, and transfers - See where your money goes each month - Plan budgets and spending limits - Separate food, coffee, shopping, transport, rent, utilities, work, and travel expenses - Manage rent, utilities, subscriptions, and recurring expenses - Review subscription costs before they renew - Keep a personal ledger without bank sync - Use an offline-first money log with optional iCloud backup - Track multi-currency spending for travel, work, or daily life Private and local-first CentsNote does not connect to your bank account and does not require account linking. Your daily ledger is local-first by default. When you choose, iCloud backup or sync uses your own Apple account. Fast voice logging Say it, review it, save it. Voice input helps you capture spending before you forget, while manual confirmation keeps the record accurate. Clear monthly view Review cash flow, categories, account activity, budget progress, subscriptions, recurring bills, and recent records in one lightweight tracker. Built for everyday consistency CentsNote is not a complex finance dashboard. It is a simple daily tracker for the moments when you just want to record what happened, understand your habits, and keep a clean history for later review. CentsNote is built to make money tracking feel private, calm, and easy to keep up with. It does not make financial decisions for you and does not provide investment, tax, credit, banking, or financial advice. Terms of Use: https://www.centsnote.com/app/legal/terms.txt Privacy Policy: https://www.centsnote.com/app/legal/privacy.txt