必灵 vs TimeBudget

记账很认真，钱却总是存不下来？ 必灵不只帮你记清每一笔收支，还能帮你分析消费习惯、判断消费是否值得、规划预算与存钱目标，把「知道钱花去哪」变成「知道接下来怎么做」。 从轻松记账，到看清消费，再到制定计划、持续存钱，让每一笔钱都更有计划。 ---产品特色功能--- 【AI角色陪伴｜存钱这件事，找个搭子来陪你】 - 靠谱CFO vs 搞笑打工喵： 你的财务搭子你说了算！ - 打工人嘴替「布加斑」上线：不讲大道理、拒绝爹味，嘴欠又有趣。 - 情绪价值拉满：能记账、能攒钱，还能配你一起吐槽，快乐摸鱼不孤单。 - 陪得越久，它越懂你：存钱/记账掉装备，还会偷偷写日记。 让记账/存钱多一点乐趣，不再是一个人的坚持。 【趣味存钱｜让存钱变得更有动力】 - 可视化存钱罐： 每存一笔，金币就会落入存钱罐，让积累看得见。 - 零钱存钱： 从日常的小额积累开始，逐步靠近目标。 - 盲盒存钱： 换一种更有趣的方式体验存钱。 - 省钱挑战： 挑战少喝奶茶、少打车，也可以自定义属于自己的省钱目标。 每一次积累都有反馈，每完成一个目标，都离想要的生活更近一点。 【AI智能记账｜少输入，记得清】 - 支持文字、语音、图片和拍照记账，快速记录日常收支。 - 支持账单导入与批量整理，AI自动识别收支信息、整理分类，减少重复输入。 - 支持快捷自动记账，让日常记录更轻松。 - 账单查询与管理更方便，收支情况一目了然。 【AI消费分析决策｜找到可以改善的开支】 - 查看收入、支出与消费情况，了解钱主要花在哪。 - 让AI帮你分析消费习惯，发现值得关注的花销。 - 遇到犹豫的消费，AI帮你看值不值、有没有替代方案。 【AI财务规划｜目标不再只是一个数字】 - AI结合收支与存钱目标，估算每月该存多少。 - AI制定省钱方案、安排预算，把大目标拆成日常可执行的行动。 - 随时了解预算情况，帮助自己更有计划地花钱。 【存钱/省钱目标追踪】 已存钱/已省钱总金额、目标完成率，一目了然，财务进度轻松掌控。 【便捷登录】 支持微信登录、Apple登录、手机号登录，选择习惯的方式，轻松开始记账与存钱。 记账是起点，看清消费、做好规划、坚持存钱，才是改变的开始。 必灵，帮你记得清、花得明白、存得下来。

TimeBudget is a calm, offline calculator that turns any price into the hours you need to work for it. Built for people who want to spend with awareness — and stop blowing money without thinking. How it works • Tell TimeBudget your monthly salary, working days per month, and daily hours. • Tap a category or type any price. • See instantly: "≈ 3 workdays 4 hours" — the hours of your life this thing actually costs. Features — Hourly wage calculator Switch between pre-tax and after-tax wage with one tap. Built-in simplified tax brackets for China, United States, Japan, South Korea, United Kingdom, Germany, Hong Kong, and Singapore. Or set a custom effective rate. — 378 preset categories Coffee, phones, rent, flights, gym memberships, luxury bags, vacations — tap any one to see your time cost. — Wishlist with hour progress Add things you're saving up for. Track hours earned day by day. — Cute share cards Export a minimal, cartoon-style summary card to remind yourself or share with friends. — Full bilingual Switch between English and Simplified Chinese with one tap. All 378 categories, tax names, and UI translate instantly. — Zero tracking, fully offline No account. No internet required. No third-party SDKs. Your salary stays on your device. Who it's for • Young professionals questioning impulse spending • Freelancers budgeting against hours • Couples negotiating purchases in "working days" • Anyone who wants to turn "this is expensive" into a precise number What's new in 1.0.0 • First public release • 8-country after-tax estimation • 378 categories • English and Simplified Chinese • Cartoon share cards • Local-only privacy (nothing leaves your phone) Privacy TimeBudget does not collect, transmit, or store any personal data outside your device. No analytics. No ads. No third-party SDKs. Read the full policy at https://yangshen2024.com/timebudget-site/privacy-en.html