i自由 vs SavingMan

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。

Keep term deposits, CDs, and fixed-rate bonds with defined maturities together in SavingMan. Track maturity dates and interest payment schedules, estimate contractual interest, and keep a record of withdrawals and renewals. Organize your CD ladder and eligible fixed-rate Treasury holdings privately on iPhone and Mac. • Complete records: Keep principal, currency, bank, rate or APY, term, deposit and maturity dates, interest schedule, family member, and notes together, with exact large-amount display. • Maturity and interest reminders: Track interest paid at maturity, monthly, quarterly, semiannually, or annually. Control interest reminders separately, then snooze a notification or open the matching record. • Clear earnings: Review estimated interest and the next 12 months of principal and interest cash flow. Optional interest-tax estimates separate pre-tax interest, estimated tax, and after-tax interest. Multi-currency summaries can use ECB reference rates. • Guided withdrawal and renewal: Preview an early or maturity withdrawal before saving it, handle full or partial amounts, and confirm new dates, terms, rates, and interest schedules when the bank changes renewal terms. • Traceable and correctable: Review all disposition history, the contract before each action, and the renewed contract. The latest eligible action can be undone safely inside the app. • Private and recoverable: Core data stays on your device. On Apple platforms, private iCloud sync keeps iPhone and Mac records aligned. Complete JSON backup is free. The macOS app adds a desktop sidebar, search, keyboard workflows, and light or dark appearance. SavingMan Pro unlocks unlimited records, CSV import/export, iCloud, calendar tools, the full Earnings Center, interest-tax estimates, and a separate earnings window. SavingMan does not connect to bank accounts or execute deposits, withdrawals, or investments. Interest, tax, exchange-rate, and withdrawal results are estimates based on your entries; confirm final amounts with the bank, issuer, and applicable local rules.