云盈CFO vs FreeGrid

**云盈CFO — 你的 AI 私人财务长** 无论你是刚起步规划财富，还是已认真思考退休，云盈CFO 都能成为你最懂数字的财务伙伴。我们把曾经只有高净值客户才能享受的私人 CFO 服务，装进每个人的口袋。 **财务全局，一屏掌握** 首页仪表板实时展示净资产、月净现金流和财务健康评分，自动计算距离财务自由（FIRE）所需年限。 **投资组合分析师** 录入资产后，即时计算预期年化回报、波动率、夏普比率和最大回撤。通过 10,000 次蒙特卡洛模拟（对数正态分布模型），预测未来 20 年的 P10 保守、中位数和 P90 乐观路径，并与沪深 300 基准对比。PRO 会员可一键获取 AI 投资优化与再平衡方案。 **养老目标规划** 设定退休年龄和月支出目标，系统自动测算养老储备进度（0-100%）、月度缺口及所需养老年金。净资产增长曲线清晰标注退休时点，让“够不够”变成可计算的答案。 **财务规划引擎** 基于真实收支假设，逐年推演未来 30 年的现金流表：收入、支出、五险一金、个人所得税、净现金流、累计净值。内置六种情景模板（买房、生二孩、提前退休、提前还贷、换工作、收入增长），支持对比模拟，找到最优人生决策路径。 **个税精算引擎** 内置 2024 年最新个税税率表，支持七档累进税率精确计算。自动处理子女教育、住房贷款利息、赡养老人、继续教育等七项专项附加扣除，以及五险一金个人部分扣除。一键模拟年度汇算清缴，提前知道退税还是补缴。 **财务健康评估** 从现金流管理、投资健康、税务效率、退休储备、风险控制五个维度生成雷达图，给出 0-100 综合评分及针对性改善建议。 **AI 财务问答** 随时向 AI 提问：FIRE 进度如何、如何节税、投资组合需不需要再平衡、现在适合买房吗……AI 基于你的真实财务数据给出个性化答案，而非通用建议。 **免费 vs PRO** 核心功能完全免费：净资产追踪、个税计算、养老缺口分析、基础投资组合分析、财务规划现金流表。 PRO 会员解锁： • AI 投资优化与再平衡建议 • AI 深度退休规划分析 • AI 节税方案 • 资产截图 OCR 自动识别 • 财务健康报告导出 • AI 问答每日 10 次（免费版 3 次） 订阅方案灵活，支持月付与年付，可随时取消。 **隐私与安全** 所有财务数据加密传输，不向第三方出售或共享。账户使用手机号验证，敏感信息本地存储。 **立即下载，开始你的财务自由之旅。**

Most money apps tell you how much you spent. FreeGrid shows you what it cost. It turns your available funds and how fast you spend into one number you can see every day — Freedom Days: if you stopped earning today, how many days your money would let you live freely. The number comes straight from what you record. The longer you track, the more accurate it gets. No goals to set up front. Three ideas behind it: • See the cost: big purchases are spread into your daily average, so every decision shows its real weight. • Think long term: the longer you track, the less any single purchase swings the number. Start early, and big purchases later feel easier. • Earn more, spend wisely: every bit of income and every expense you skip lights up new squares on your grid. — What a new computer really costs — After a month of tracking, you spend 30 a day and have 10,000 in available funds: FreeGrid says you have 333 Freedom Days. Now you want a 6,000 computer. Other apps show your balance dropping by 6,000. FreeGrid spreads the cost into your daily average and shows the harder truth: Daily cost 30 → 96.7 Freedom Days 333 → 41 In your first three months, a large expense is spread over 90 days, so one purchase won't multiply your daily average. You can also run the purchase through Simulate before you buy. FreeGrid isn't telling you not to spend — it helps you spend with your eyes open. — Bills — Set rent, utilities and subscriptions as bills. They come out of your cash on their due date, and Freedom Days follow the calendar, so rent day no longer makes the number plunge. — Widgets — Put your Freedom Days on the Home Screen and Lock Screen, and see them without opening the app. — FreeGrid Pro (one-time in-app purchase, not a subscription) — These features need FreeGrid Pro. You can try it free for 7 days: • Your own expense categories • Split assets and cash into sub-accounts, and choose which count toward Freedom Days • The Money & Time view of your assets • Loans and installments, counted by their repayment schedule • Export and share your Freedom Card • Goals of your own: how many Freedom Days you want, compared directly with the days you have • Freedom Dashboard and My goal widgets Tracking, bills, Freedom Days, the grid, Simulate, the Freedom Days widget, and backup and restore are all free. Available in English and Chinese. Your records stay on your device; purchases and restores go through Apple.