SavingMan vs 存粮

Have CDs at more than one bank? Keep maturity dates and interest payments together in SavingMan, so you can see what is due next without checking each record separately. Manually record CDs, term deposits and fixed-rate bonds with defined maturities, estimate contractual interest, and keep withdrawal and renewal history. Start free with up to 10 active contracts, basic reminders and complete JSON backup. Free iPhone and iPad widgets show upcoming dates. Pro adds unlimited records, private iCloud sync across iPhone, iPad and Mac, and the full Earnings Center for planning principal and interest cash flow, plus CSV, calendar tools and optional tax estimates. Pro is a one-time purchase with no subscription. A 30-day free trial does not automatically renew or charge you. • 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. • A quick glance from your Home Screen: Free iPhone and iPad widgets show upcoming principal maturities and interest payment dates with countdowns. Tap to open the matching deposit. Small widgets show one event; medium widgets show three. Add SavingMan through the Home Screen widget gallery. Names and amounts are hidden by default and optional in app Settings; Privacy Lock keeps them hidden. The system controls widget refresh timing; opening the app updates its data.

钱分散在银行、券商、保险、微信支付宝，到底一共多少、今天赚了多少、哪笔快到期了？ 存粮：记在一处，自动算清楚。 【四类资产，一次记全】 固收（定期存款、大额存单、国债）、浮动（基金、ETF）、保险（年金险）、现金账户。 一条只需填金额、利率、起息日、到期日，几秒钟录完。 【自动算收益，不用按计算器】 · 已计利息、到期本息、今日收益、加权平均收益率 · 每个数字旁都有 ⓘ，点开就是用你自己的数据逐项列出的计算过程，不黑箱 【今天赚了多少，换算成生活】 今天 18.6 元，等于一杯咖啡。攒钱是慢事，需要看得见的反馈。 【到期提醒 + 储蓄目标】 到期前自动提醒，那天你只需决定：续存，还是换一家利率更高的。 设定一个目标金额，实时看到还差多少。 【资产分布，一眼看清】 固收、浮动、保险、现金各占多少，图表直接看。 【数据只属于你】 无需注册。数据默认存在本机；开启 iCloud 同步后自动备份到你自己的 iCloud，换机登录即恢复。 我们没有服务器接收你的资产数据。面容 ID 解锁，别人打不开。 【会员】免费版资产条目有限，升级后无上限，适合条目较多的用户。 如果你要的是盯盘选股，存粮不适合你；如果你只想心里有数，那它刚刚好。 订阅即表示您同意 Apple 标准使用条款： https://www.apple.com/legal/internet-services/itunes/dev/stdeula/