远见Vantage vs WisCalc

远见 Vantage - 全资产管家 远见，不仅是看多远，更是看多透。 在这个信息过载的时代，真正的财富管理不在于频繁的交易，而在于对资产秩序的极致掌控。「远见 Vantage」专为追求深度投资复盘的全球投资者打造。我们剥离了金融软件的喧嚣，为您提供一个深邃、纯净且极具质感的私人财富看板。 【1.4 版本：全景视角，统筹全局】 跨市场资产统筹：现已全面支持 A 股、港股、美股、公募基金及主流数字资产（BTC/ETH）。无论您的头寸分布在何处，均可在一个看板内实现实时净值换算。 底层穿透与归集：独有的资产聚合逻辑，支持多账户持仓自动对账与合并。告别冗余数据与信息孤岛，还原资产最真实的分布结构。 【核心功能：方寸之间，成竹在胸】 智能纪实，告别繁琐：通过先进的 OCR 识别技术，只需导入持仓截图，系统将自动提取代码与头寸信息，数秒内完成财富档案的增补。 动态净值透视：支持多币种实时汇率折算，一键生成资产配比图谱与波动曲线，清晰洞察每一分复利的生长。 主权数据隐私：采用 Local-first 架构与私有 iCloud 存储。核心资产数据保存在本地及您的私有 iCloud；专用解析服务不持久保存截图、OCR 文本、提示词、资产金额或模型完整响应。 纯粹交互体验：无开屏广告，无社交干扰。订阅权限与 Apple ID 直接绑定，打开即用，让您的投资复盘回归本真。 【隐私与安全承诺】 财富的私密性是我们的底线。图片仅通过加密通道发送至专用解析服务，用于结构化提取并即时处理；我们不持久保存或转卖您的资产隐私。 【法律声明】 远见 Vantage 仅作为个人投资记录与行情观测工具，不提供证券经纪、钱包转账或理财产品销售服务。 本 App 展示的所有行情数据及分析结果仅供参考，不构成任何形式的投资建议或交易诱导。 【新用户赠送说明】 新用户首次打开可获赠 7 天 Vantage Pro 权益，无需订阅，不会自动扣费或续期；到期后自动恢复免费版，已录入的数据不会删除。 【订阅服务说明】 - 订阅周期： 1个月（Pro月度会员）、12个月（Pro年度会员）、终身（Pro终身会员）。 - 订阅价格： 以 App 内实际展示的本地化价格为准。 - 付款： 用户确认购买并付款后记入 iTunes 账户。 - 续订： 苹果 iTunes 账户会在到期前 24 小时内扣费，扣费成功后订阅周期顺延一个订阅周期。 - 取消续订： 如需取消续订，请在当前订阅周期到期前 24 小时以前，手动在 iTunes/Apple ID 设置管理中关闭自动续订功能。 隐私政策： https://eknown.cn/privacy.html 使用条款 (EULA)： https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

## App Overview WisCalc is a practical loan companion for iPhone that helps you make better borrowing decisions before you apply, and manage repayment with confidence after you borrow. It combines transparent cost comparison, repayment planning, and timely reminders in one lightweight app. Whether you are comparing multiple loan offers or checking if early payoff is worth it, WisCalc gives you clear numbers so you can choose the option that fits your budget. ## Why We Built WisCalc I noticed many people start with small borrowing, but for many reasons, debt can snowball over time. In the end, some people are forced to live around daily repayment pressure, constantly borrowing from one place to repay another. While personal financial habits are part of the story, many loan apps also hide important information. For example, some apps do not clearly list total repayment interest. They may only show an annualized rate, remaining principal, and current due interest. This can create a misleading impression, and the real total amount to be repaid may be much higher than it appears. WisCalc is built to make the full repayment picture clear from the moment you create a loan. It calculates costs across the entire repayment cycle and shows principal and interest for each installment, as well as totals over the full loan period. Exported reports can list all loans, remaining principal, remaining interest, monthly repayment totals, and date-level repayment amounts. In short, WisCalc exists to help you stay fully informed about your loans and repayments. We hope it helps you pay off debt sooner. WisCalc will remain free forever. ## Key Features - Compare multiple loan offers side by side - Add loan products manually with amount, term, rate, fees, repayment method, and early repayment policy. - Instantly compare monthly payment, total repayment, total cost, and estimated effective annual cost. - Preview repayment plans clearly - View installment-by-installment breakdowns of principal, interest, and remaining balance. - Sort offers by total cost or monthly payment to find the most affordable option faster. - Manage active loans after borrowing - Convert a selected offer into your personal loan contract. - Track key dates such as disbursement date and first repayment date. - Mark installments as paid or unpaid to monitor repayment progress. - Simulate early repayment scenarios - Test different penalty rules: no penalty, fixed fee, or percentage-based fee. - See estimated payoff amount, potential interest savings, and overall cost impact before making a decision. - Stay on schedule with reminders - Receive local repayment reminders before and on due dates. - Optionally sync repayment events with your system calendar for better visibility. - Privacy-first local experience - Your loan data is stored on your device. - No required bank API connection for core functionality. ## Who It’s For WisCalc is designed for anyone who wants to borrow more rationally, reduce repayment stress, and avoid hidden cost surprises. ## Note WisCalc provides calculation and planning support only and does not constitute financial or legal advice. Please note that different loan apps can use very different calculation methods. WisCalc tries to match those methods as closely as possible, but you may still see small differences (for example, a few cents) in principal or interest compared with another platform. This is normal. If the gap is larger, you may have selected a different calculation method from the one used by that lender. You can switch methods in the app and compare again. If the result is still not close, please send feedback. We will continue improving this in future updates. Feedback email: owenzx+WisCalc@gmail.com https://www.apple.com/legal/internet-services/itunes/dev/stdeula/