Comparison

Freedom Calculator vs 云盈CFO

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Freedom Calculator

This app helps users visualize their financial journey towards freedom. It tracks assets across multiple accounts and provides clear daily, monthly, and yearly spending insights. Ideal for understanding where money goes and planning for retirement.

Highlights
  • Retirement planning visualization
  • Multi-account asset tracking
  • Daily, monthly, yearly spending insights
  • Clear visual financial summaries
  • Path to financial independence
Features
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- For those wondering when they can finally stop working. - For those needing to track assets scattered across multiple accounts. - For those who prefer clear visuals over complex calculations. - For anyone wanting to know exactly where their money goes—daily, monthly, and yearly.

About

云盈CFO

Features
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**云盈CFO — 你的 AI 私人财务长** 无论你是刚起步规划财富,还是已认真思考退休,云盈CFO 都能成为你最懂数字的财务伙伴。我们把曾经只有高净值客户才能享受的私人 CFO 服务,装进每个人的口袋。 **财务全局,一屏掌握** 首页仪表板实时展示净资产、月净现金流和财务健康评分,自动计算距离财务自由(FIRE)所需年限。 **投资组合分析师** 录入资产后,即时计算预期年化回报、波动率、夏普比率和最大回撤。通过 10,000 次蒙特卡洛模拟(对数正态分布模型),预测未来 20 年的 P10 保守、中位数和 P90 乐观路径,并与沪深 300 基准对比。PRO 会员可一键获取 AI 投资优化与再平衡方案。 **养老目标规划** 设定退休年龄和月支出目标,系统自动测算养老储备进度(0-100%)、月度缺口及所需养老年金。净资产增长曲线清晰标注退休时点,让“够不够”变成可计算的答案。 **财务规划引擎** 基于真实收支假设,逐年推演未来 30 年的现金流表:收入、支出、五险一金、个人所得税、净现金流、累计净值。内置六种情景模板(买房、生二孩、提前退休、提前还贷、换工作、收入增长),支持对比模拟,找到最优人生决策路径。 **个税精算引擎** 内置 2024 年最新个税税率表,支持七档累进税率精确计算。自动处理子女教育、住房贷款利息、赡养老人、继续教育等七项专项附加扣除,以及五险一金个人部分扣除。一键模拟年度汇算清缴,提前知道退税还是补缴。 **财务健康评估** 从现金流管理、投资健康、税务效率、退休储备、风险控制五个维度生成雷达图,给出 0-100 综合评分及针对性改善建议。 **AI 财务问答** 随时向 AI 提问:FIRE 进度如何、如何节税、投资组合需不需要再平衡、现在适合买房吗……AI 基于你的真实财务数据给出个性化答案,而非通用建议。 **免费 vs PRO** 核心功能完全免费:净资产追踪、个税计算、养老缺口分析、基础投资组合分析、财务规划现金流表。 PRO 会员解锁: • AI 投资优化与再平衡建议 • AI 深度退休规划分析 • AI 节税方案 • 资产截图 OCR 自动识别 • 财务健康报告导出 • AI 问答每日 10 次(免费版 3 次) 订阅方案灵活,支持月付与年付,可随时取消。 **隐私与安全** 所有财务数据加密传输,不向第三方出售或共享。账户使用手机号验证,敏感信息本地存储。 **立即下载,开始你的财务自由之旅。**

Screenshots

Freedom Calculator4 screens
云盈CFO3 screens

Verdict

The call

The clearest difference is in-app purchases: 云盈CFO at none against Freedom Calculator's 1. Freedom Calculator's advantage is iOS requirement (15.0 vs 26.0). On price, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Freedom Calculator sells 1 one-off in-app purchase. 云盈CFO asks for nothing beyond the download.

Scorecard2 real differences · 8 level
Freedom Calculator versus 云盈CFO: the parameters behind the verdict, then further details
ParameterFreedom Calculator云盈CFO
PriceFreeFree
Rating5.0 (2 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings2 — better—
Update frequencyEvery 2 weeks—
AdsNoNo
In-app purchasesYesNo — better
MonetizationPaid—
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better26.0
Further details — not scored
Size7 MB5 MB
Age rating4+4+
Developer艺景 张鹏 金

In-app purchases

1 purchases

Freedom Calculator

One-time1
  • PRO$6.99
None

云盈CFO

No in-app purchases

Questions

Is Freedom Calculator free?
Freedom Calculator is free to download, with in-app purchases available.
Is 云盈CFO free?
云盈CFO is free to download, with no in-app purchases.
Do Freedom Calculator or 云盈CFO have ads?
Neither Freedom Calculator nor 云盈CFO shows ads.

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