掌中记 vs SavingMan

掌中记，一款简洁纯粹的个人记账应用。没有广告，没有会员墙，所有数据存储在本地，完全属于你。 **【核心记账】** 支持支出、收入、转账、报销、退款等多种记录类型，配合自定义分类和标签，让每一笔账都清晰可查。支持为账单添加图片附件，保留消费凭证。 **【多账本管理】** 创建多个独立账本，家庭账、工作账、旅行账分开管理，互不干扰。 **【资产总览】** 统一管理现金、储蓄卡、信用卡、储值卡等多种账户，实时掌握净资产状况。信用卡额度、可用余额一目了然。 **【预算管理】** 设置月度总预算或按分类单独设预算，实时追踪执行进度，消费超支前提前预警。 **【统计分析】** 直观的饼图和柱状图，展示支出分类占比与近6个月收支趋势。年度报告功能，一键回顾全年财务状况。 **【债务管理】** 完整记录信用卡、消费贷、房贷、车贷等各类债务，支持利率计算、还款计划生成和还款模拟器，帮你制定科学的脱坑计划。 **【存钱计划】** 内置7种存钱方案：52周正向/逆向存钱、365天计划、12个月计划、目标存钱、零钱罐、自定义计划，每期打卡，让存钱变成习惯。 **【周期账单】** 设置每天、每周、每月、每年的重复账单，房租、话费、订阅费用自动提醒，不再遗漏。 **【银行卡管理】** 安全保存银行卡号、开户行、持卡人等信息，需要时随时查看复制，无需翻找钱包。 **【备忘录】** 内置便签功能，记录消费想法、待办事项，支持置顶和颜色标记。 **【iOS 专属特性】** - 8款桌面小组件：账户余额、预算进度、今日汇总、月度汇总、周趋势、存钱计划、信用卡、快速记账 - 桌面长按快捷菜单：一键记支出、记收入、查预算、看报表 - 快捷指令集成：支持自动记账，配合 iOS 快捷指令实现支付后自动记录 - iCloud 同步：多设备数据无缝同步 **【数据安全】** 所有数据本地存储，支持 CSV 格式导入导出，数据完全由你掌控。

SavingMan helps individuals and families manage term deposits, CDs, and Treasury securities from deposit and interest payments through maturity, withdrawal, or renewal. • Complete records: Keep principal, currency, bank, rate or APY, term, deposit and maturity dates, interest schedule, family member, and notes together, with exact large-amount display. • Maturity and interest reminders: Track interest paid at maturity, monthly, quarterly, semiannually, or annually. Control interest reminders separately, then snooze a notification or open the matching record. • Clear earnings: Review estimated interest and the next 12 months of principal and interest cash flow. Optional interest-tax estimates separate pre-tax interest, estimated tax, and after-tax interest. Multi-currency summaries can use ECB reference rates. • Guided withdrawal and renewal: Preview an early or maturity withdrawal before saving it, handle full or partial amounts, and confirm new dates, terms, rates, and interest schedules when the bank changes renewal terms. • Traceable and correctable: Review all disposition history, the contract before each action, and the renewed contract. The latest eligible action can be undone safely inside the app. • Private and recoverable: Core data stays on your device. On Apple platforms, private iCloud sync keeps iPhone and Mac records aligned. Complete JSON backup is free. The macOS app adds a desktop sidebar, search, keyboard workflows, and light or dark appearance. SavingMan Pro unlocks unlimited records, CSV import/export, iCloud, calendar tools, the full Earnings Center, interest-tax estimates, and a separate earnings window. SavingMan does not connect to bank accounts or execute deposits, withdrawals, or investments. Interest, tax, exchange-rate, and withdrawal results are estimates based on your entries; confirm final amounts with the bank, issuer, and applicable local rules.