房贷宝 vs Paylist

【核心功能】 - 三种贷款类型：商业贷款、公积金贷款、组合贷款，覆盖常见购房场景。 - 双还款方式：等额本息与等额本金自由切换，对比月供与总利息差异。 - 利率灵活：支持 LPR 加基点与基准利率倍数，贴合各地房贷政策。 - 完整还款计划：逐月本金、利息与剩余本金，按自然年折叠查看。 - 个性主题：明亮 / 暗黑 / 跟随系统，橙色主题随心。 - 隐私安全：计算在本机完成，不收集、不上传个人信息。 【适用场景】 - 购房预算：先把月供算清楚，量力而行做决策 - 方案对比：等额本息 vs 等额本金，看清利息差异 - 组合贷测算：商贷与公积金如何搭配更合适 - 还款规划：每月还多少、总利息多少，提前规划

Paylist is a subscription management app. Manage all your subscriptions, one-time software purchases, offline memberships, and recurring payments in one place with Paylist. Search and add any App Store app directly Create custom items with personalized icons Get notified before a subscription expires Quick access to cancel subscriptions Calculate next month's expenses in advance Automatically track monthly renewals and calculate daily average costs View expense rankings to see which subscriptions cost the most and whether they're necessary Set individual renewal or expiration reminders for each subscription to avoid unnecessary charges Support multiple currencies—track spending in your preferred currency regardless of payment method Fully protect your privacy with no third-party analytics or cross-app tracking Data supports local backup, export, and import