钱衡 vs FreeGrid

钱衡是一款专注于个人财务管理的记账应用，帮助你看清每一笔收支、每一个账户，以及资产变化背后的原因。 你可以快速记录收入、支出和转账，通过多维统计了解消费结构与收支趋势；使用预算提醒控制支出节奏；集中管理银行卡、现金、信用卡、贷款、储蓄等资产与负债账户。 主要功能： • 快速记录收入、支出与账户转账 • 支持大类、小类、备注及自定义分类图标 • 多维度收支统计、消费排行与趋势分析 • 月度预算、分类预算及预算风险提醒 • 统一管理资产、负债、多币种和定期储蓄 • 资产卡片模式与账户图片自定义 • 月度财务复盘与净资产趋势分析 • iPhone、iPad 和桌面小组件适配 • 通过 iCloud 在多台 Apple 设备间同步数据 • 支持加密备份与邮件发送备份 钱衡希望做的不只是记录数字，而是让每一笔钱都有迹可循，让预算真正发挥作用，让你更从容地掌握自己的财务状况。

Most money apps tell you how much you spent. FreeGrid shows you what it cost. It turns your available funds and how fast you spend into one number you can see every day — Freedom Days: if you stopped earning today, how many days your money would let you live freely. The number comes straight from what you record. The longer you track, the more accurate it gets. No goals to set up front. Three ideas behind it: • See the cost: big purchases are spread into your daily average, so every decision shows its real weight. • Think long term: the longer you track, the less any single purchase swings the number. Start early, and big purchases later feel easier. • Earn more, spend wisely: every bit of income and every expense you skip lights up new squares on your grid. — What a new computer really costs — After a month of tracking, you spend 30 a day and have 10,000 in available funds: FreeGrid says you have 333 Freedom Days. Now you want a 6,000 computer. Other apps show your balance dropping by 6,000. FreeGrid spreads the cost into your daily average and shows the harder truth: Daily cost 30 → 96.7 Freedom Days 333 → 41 In your first three months, a large expense is spread over 90 days, so one purchase won't multiply your daily average. You can also run the purchase through Simulate before you buy. FreeGrid isn't telling you not to spend — it helps you spend with your eyes open. — Bills — Set rent, utilities and subscriptions as bills. They come out of your cash on their due date, and Freedom Days follow the calendar, so rent day no longer makes the number plunge. — Widgets — Put your Freedom Days on the Home Screen and Lock Screen, and see them without opening the app. — FreeGrid Pro (one-time in-app purchase, not a subscription) — These features need FreeGrid Pro. You can try it free for 7 days: • Your own expense categories • Split assets and cash into sub-accounts, and choose which count toward Freedom Days • The Money & Time view of your assets • Loans and installments, counted by their repayment schedule • Export and share your Freedom Card • Goals of your own: how many Freedom Days you want, compared directly with the days you have • Freedom Dashboard and My goal widgets Tracking, bills, Freedom Days, the grid, Simulate, the Freedom Days widget, and backup and restore are all free. Available in English and Chinese. Your records stay on your device; purchases and restores go through Apple.