SubSum vs Echo IM

核心功能 - 多币种支持: 支持CNY、USD、HKD、JPY、EUR、GBP、AUD、CAD等8种货币 - 费用汇总: 自动计算各币种的月均和年总费用 - 临期提醒: 提前1/3/7/14天本地通知提醒 - 完全离线: 所有数据仅存储在本地设备，保护隐私 用户界面 - 单页面设计: Dashboard + Add Sheet + Settings Sheet - 汇总卡片: 动态显示各币种的月均和年总费用 - 即将扣费: 显示未来30天内即将扣费的订阅 - 全部订阅: 按扣费日期排序的完整订阅列表 便捷功能 - 预设模板: 30+常用服务模板，快速添加订阅 - 分类管理: 7大分类（流媒体、音乐、生产力、游戏、云服务、教育、其他） - 自定义设置: 通知时间、主题模式等个性化设置

Echo turns your most-used phrases into a keyboard. Copy any text → tap [+] to save it as a card → tap a card to paste it into any app. No more repetitive typing. [ CARD KEYBOARD · ONE TAP AWAY ] A horizontal grid of cards, grouped by Collection. Tap any card and the text is instantly inserted into the current field. Addresses, signatures, support replies, intros — always one tap away. [ AI POLISH ] The first cell on the keyboard is AI Polish. Tap it to rewrite the text before your cursor — each tap rotates through styles (smart → formal → concise → friendly → child-like → funny). Up to 3 results sit side-by-side for comparison. Tap the one you like to replace the original. • Built-in Echo MiniMax with a free quota, ready out of the box • Or bring your own API key: OpenAI / Claude / ZAI / MiniMax / Apple Foundation Models — unlimited [ CARD LIBRARY ] Organize cards in the main app: favorite, categorize, create, edit, reorder, backup & restore. Ships with official Collections (sales scripts, support replies, etc.) ready to use. [ TRULY LOCAL PRIVACY ] • Card data stays 100% on your device — no upload, no sync, no tracking • AI polish only reaches the network when you tap it, and only the text before your cursor is sent • No analytics, no tracking, no ad SDKs [ 2-STEP SETUP ] 1. Settings → Apps → Echo → enable Echo keyboard 2. Turn on "Allow Full Access" (required for AI polish) Long-press the globe while typing to switch to Echo. Echo doesn't try to be an all-in-one keyboard. It does one thing perfectly: your most-used phrases, always one tap away. Requires iOS 26.2 or later (Liquid Glass / Foundation Models).