十月记账 vs Bubble Ledger

十月记账：把日常收支和每月还款放在一起算的记账工具。 工资到账，先扣掉这个月要还的信用卡、网贷和房贷车贷，再减去已经花掉的——剩下多少能花，打开首页就知道。 【生活记账】 · 收入支出随手一记，常用备注自动推荐 · 类别可以自己加、自己排序，用不上的隐藏掉 · 设置月预算，花超了一眼看出来 · 按月统计，钱花在哪里清清楚楚 · 不登录也能记，数据先存在本机，登录后自动同步 【本月可支配】 · 首页一行算好：收入 − 本月应还 − 本月已花 · 负债和生活两张卡片并排：这个月还得起、还剩多少能花，不用自己拿计算器算 · 还款不会重复计入生活支出，统计不失真 【还款管理】 · 信用卡、网贷、房贷车贷、亲友借款统一记录 · 支持等额本息、等额本金、先息后本、已知月供四种方式，自动生成每期还款计划 · 还款日历：哪天该还哪笔一目了然，长按可圈出一段日期 · 到期提醒，退出 App 也能收到 · 待还、已还、逾期分类查看，总负债实时更新 【计算器】 · 利息试算、提前还款能省多少、真实年化（IRR）、逾期罚息 · 算完可一键记成一笔还款计划 【一键换肤】 · 九套风格可选，深色护眼、暖白纸感等，点一下全局生效 【我们不做什么】 本应用不提供贷款申请、放贷、审批、授信或金融撮合服务，不推荐任何借款平台，不读取通讯录。十月记账只用于记录和管理你自己的收支与已有的还款安排，你的数据只属于你自己。

Bubble Ledger is an ad-free personal bookkeeping tool. Open it and log right away—add an entry in seconds. Budgets and savings goals help you control spending, and charts show where your money goes. What you can log • Income / expenses: clear categories; multiple ledgers, including a separate family ledger • Budgets: monthly / weekly / yearly totals, category budgets, and overspending alerts • Savings: set a goal, deposit freely or on a scheduled plan, and watch progress grow What you can do • Home: this month’s balance, budget progress, and transaction list • Charts: spending rankings and category mix; switch week / month / year • Ledgers: manage multiple ledgers; All Ledgers rolls them up • Widget: see your balance on the Home Screen without opening the app • Security: passcode and Face ID; cloud backup and restore on a new device • Export: members can export CSV by date and ledger • Reminders: local notifications for logging reminders and budget alerts No finance courses. No community. For anyone who wants easy logging, serious budgets, and savings that stick. Subscription information Subscription title: Membership Subscription Subscription period: Monthly Price: ¥8 per month Payment will be charged to your Apple ID account at the confirmation of purchase. The subscription automatically renews unless canceled at least 24 hours before the end of the current period. You can manage and cancel your subscription in your App Store account settings. Privacy Policy: http://liaohui.cc/legal/ccbook/privacy-policy.html Terms of Use: http://liaohui.cc/legal/ccbook/terms-of-use.html