SavingMan vs 房东小账本

Keep term deposits, CDs, and fixed-rate bonds with defined maturities together in SavingMan. Track maturity dates and interest payment schedules, estimate contractual interest, and keep a record of withdrawals and renewals. Organize your CD ladder and eligible fixed-rate Treasury holdings privately on iPhone and Mac. • 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.

房东小账本是给个人房东准备的本地离线记账工具，专门用来管理房源、记录收租、登记水电结算，并跟进合同到期、租金到期和押金事项。 你可以用它快速完成： - 为每套房建立完整档案，集中保存地址、租客、租金、押金和合同信息 - 按月份记录收租状态，避免漏记、重记 - 记录水电等结算项目，方便和租客对账 - 一键生成友好、标准或逾期三种催租内容 - 复制或分享催租文字，并可附带房租与水电 PDF 账单 - 根据租金、合同与押金状态生成提醒待办 - 导出和恢复本地备份，换机或留档更省心 应用默认将数据保存在当前设备，不依赖云端账号，更适合希望自己掌控账本的房东使用。