Souus Apps
Finance · iOSFinance · iOS

知道你什么时候，
可以安心财务自由。 Know when you can safely be financially free.

Finance 不只是记账。它用你的真实支出、资产与假设，预测没有收入时，你的生活还能被支持多久。 Finance is more than tracking. It turns your real spending, assets, and assumptions into a clear answer: how long can your life be funded with no income?

开始规划Start planning → 看看 VocabExplore Vocab →
Finance app — Net Worth and FIRE projection
净资产Net Worth
财务自由预测FIRE projection
财务自由 27 年27 years free
按真实支出计算Based on real spend
通胀Inflation4%
股票回报Stock return6%
4%默认通胀假设Inflation assumption
100%本地财务数据On-device data
N 年N yrs财务自由跑道Freedom runway
免密No password邮箱绑定Passwordless mail binding
Finance app — quick expense entry
快速记账Quick Expense
待确认队列Pending queue
咖啡Coffee-$5.80
工资Paycheck+$4,280
邮箱导入Mail import确认Review
3 笔待处理3 pending
快速记账Quick Expense

手动够快，自动够稳。Fast by hand. Calmly automatic.

支出、收入、账单邮件，都进入一个清楚的待确认流程。你永远在提交前做最后决定。Expenses, income, and statement emails flow into a clear review queue. You stay in control before anything is committed.

  • 几秒记一笔Jot in seconds收入与支出快速录入，适合真实生活里的碎片时刻。Capture income and expenses in the small moments real life gives you.
  • 邮箱账单解析Statement email parsing从银行与信用卡邮件中识别交易，解析过程在设备上完成。Detect transactions from bank and card emails, parsed on device.
  • OAuth 免密绑定OAuth, no password支持 Gmail 与 Microsoft Outlook，应用不会要求你输入邮箱密码。Connect Gmail or Microsoft Outlook without typing your mailbox password into the app.
  • 确认后入账Confirm before commit自动导入先进入待处理队列，确认、修改或忽略都由你决定。Imported items wait in a pending queue for you to approve, edit, or ignore.
Finance app — credit card rewards
信用卡优惠Card Rewards
餐饮推荐Dining pick
4.5x
最佳当前卡Best current card
开卡奖励Sign-up bonus80K
年费Annual fee$95
离线目录Offline catalog可用Ready
信用卡优惠Card Rewards

每一类消费，都用更聪明的卡。Use the smarter card for every category.

Finance 把复杂的权益、年费与开卡奖励整理成可执行建议，让日常消费自然多一点回报。Finance turns benefits, fees, and bonuses into practical recommendations, so everyday spending earns a little more.

  • 内置信用卡目录Built-in card catalog整理开卡奖励、权益、返现倍率与年费。Browse bonuses, benefits, earn rates, and annual fees.
  • 按类别推荐Category-aware picks餐饮、旅行、超市等场景，推荐当前最优卡。Get the best card for dining, travel, groceries, and more.
  • 后端刷新Backend refreshed公开目录可从后端更新，保持优惠信息新鲜。Public catalog data refreshes from the backend to stay current.
  • 离线种子Offline seed没有网络时，也能使用随应用打包的基础目录。When offline, a bundled seed catalog keeps recommendations available.
Finance app — net worth and asset breakdown
净资产Net Worth
美元基准 · 多币种USD base · multi-currency
$742K
现金Cash$68K
股票与 401KStocks & 401K$690K
负债Liabilities-$16K
净资产Net Worth

把所有资产，放到同一张地图上。Put every asset on one map.

现金、股票、退休账户与负债不再分散。Finance 给你一个统一、可追踪、可预测的资产视图。Cash, stocks, retirement accounts, and liabilities stop living in separate silos. Finance gives you one unified, trackable view.

  • 覆盖关键资产Track the essentials现金、股票、401K 等退休账户，以及信用卡或贷款负债。Follow cash, stocks, retirement accounts like 401K, and debts such as cards or loans.
  • 多币种统一展示Multi-currency clarity以 USD 为基准，同时支持 CNY 等其他币种。Use USD as the base while tracking CNY and other currencies.
  • 趋势与历史Trends and history看见资产如何变化，而不只是今天的数字。See how your position changes over time, not just today’s number.
Finance app — FIRE projection detail
财务自由预测FIRE Projection
没有收入时的生活跑道Runway with no income
100+ 年100+ years
可以承受 FIREFIRE-ready
现金回报Cash return1%
资本利得税Capital gains tax按成本By basis
未来支出Future costs已加入Included
旗舰功能Flagship feature

不是统计过去，而是预测未来。Not just tracking the past. Predicting the future.

Finance 用你今天的生活方式回答一个很具体的问题：如果现在没有收入，我能安全地撑多少年？Finance answers one concrete question from your current life: if income stopped today, how many years could you safely fund?

  • 真实支出驱动Driven by real spending预测来自你已经追踪的消费，而不是凭空填写的预算。The model starts from your tracked spending, not an imaginary budget.
  • 可调投资假设Adjustable assumptions默认 4% 通胀、1% 现金回报、6% 股票回报，都可以调整。Tune the default 4% inflation, 1% cash return, and 6% stock return assumptions.
  • 税务更接近现实Taxes closer to reality401K 按税延账户与税率处理，股票按成本基础计算资本利得税。Model 401K tax-deferred withdrawals with a tax rate and capital-gains tax by cost basis.
  • 未来成本可加入Add future costs孩子教育、医疗、旅行等未发生支出，也能放进预测。Add untracked future costs such as children’s education, medical care, and travel.
  • 答案足够直接A direct answer显示“财务自由 N 年”，超过 100 年时显示“100+”。See “N years of freedom,” or “100+” when the runway exceeds a century.
隐私Privacy

你的财务生活，只属于你。Your financial life stays yours.

财务数据在设备上处理；邮箱通过 OAuth 免密、可撤销授权连接；Face ID 可锁定应用。公开信用卡目录是独立系统，永远看不到你的个人数据。 Financial data is processed on device; mailboxes connect through passwordless, revocable OAuth; Face ID can lock the app. The public card catalog is a separate system and never sees your personal data.

早期反馈Early feedback

清楚，才会安心。Clarity feels calm.

★★★★★

“看到 FIRE 跑道不是一个比例，而是‘还能撑多少年’，一下就知道该不该冒险。”“Seeing my FIRE runway as years, not a ratio, instantly tells me how much risk I can take.”

J
Jing L.工程师 · 加州Engineer · California
★★★★★

“邮箱导入先让我确认，既省事又不失控。对财务软件来说这点很重要。”“Mail import saves time but still asks me to confirm. That control matters in a finance app.”

A
Alex M.设计师 · 纽约Designer · New York
★★★★★

“信用卡推荐终于不是一堆表格，而是结账前能直接用的答案。”“Card rewards finally feel like an answer I can use at checkout, not another spreadsheet.”

K
Kevin Z.产品经理 · 温哥华Product manager · Vancouver

* 发布前示意性反馈。* Illustrative pre-launch feedback.

Success stories

从数字到决定From numbers to decisions

Finance 的价值不在于记了多少，而在于帮你做出更笃定的选择。Finance isn't about how much you log — it's about the confident decisions it helps you make.

FIRE 预测
27 年27 yrs

把“我什么时候能退休”变成一个数字Turning "when can I retire" into a number

导入三年账单后，Finance 按 4% 通胀、现金 1%、股票 6% 的假设算出约 27 年的跑道，并提醒加入未来的子女教育与医疗支出——预测一下子真实了起来。After three years of statements, Finance projected a ~27-year runway at 4% inflation, 1% cash and 6% equity returns — then prompted adding future education and medical costs, making the forecast feel real.

L
Leo Z.软件工程师 · 西雅图Software engineer · Seattle
邮箱自动记账Auto-import
0 手动录入0 manual entries

账单自己进账，密码从不外泄Statements import themselves, no password shared

用 Google 一键授权“只读邮件”后，银行提醒在设备本地解析成待确认交易；几周里几乎不用再手动记账，而财务数据始终没离开手机。After one read-only Google authorization, bank alerts parse locally into pending transactions; within weeks manual logging nearly vanished — and financial data never left the phone.

A
Aria N.设计师 · 温哥华Designer · Vancouver
信用卡优惠Card rewards
省 $640/年$640/yr saved

每一笔都用对卡The right card, every time

Finance 按餐饮、旅行、日用推荐最优卡，一年多拿回约 640 美元等值的返现与积分，年费也算得清清楚楚。Finance recommends the best card per category, recovering ~$640-equivalent in cashback and points a year — with annual fees factored in clearly.

R
Ryan T.产品经理 · 上海Product manager · Shanghai

* 以上为代表性的示意场景，用于说明产品价值。* Representative, illustrative scenarios shown to convey product value.

常见问题FAQ

你可能想先确认这些。Things you may want to know first.

不会。个人财务数据在设备上保存与处理。服务器只提供公开信用卡目录等非个人数据。No. Personal financial data is stored and processed on device. Servers only provide non-personal data such as the public card catalog.

通过邮箱服务商的 OAuth 授权连接，只请求读取账单邮件所需的权限。你不需要把密码输入 Finance，也可以随时撤销授权。It connects through the mailbox provider’s OAuth flow with read-only access needed for statements. You never type your password into Finance, and you can revoke access anytime.

计划支持 Gmail、Outlook 与 Microsoft 邮箱体系。具体可用性会随平台审核与发布节奏更新。Finance is designed for Gmail, Outlook, and Microsoft mail accounts. Availability may vary with platform review and release timing.

它从真实支出出发，结合现金、股票、401K、负债、通胀、回报率、税率、成本基础与未来大额支出，模拟没有收入时资产能支持多久。It starts from real spending and models cash, stocks, 401K, liabilities, inflation, returns, tax rates, cost basis, and future large expenses to estimate how long assets can fund life without income.

核心体验会保持可用且不依赖广告或出售数据。若未来提供高级功能，会清楚标注。The core experience will remain usable without ads or selling data. If premium features are added later, they will be clearly labeled.

设计故事Backstory

先有问题，才有统计。The question came before the charts.

Finance 的起点不是“再做一个记账软件”，而是作者想知道：按我现在的生活方式，什么时候可以安全地接受被 FIRE？所以所有统计都服务于预测，所有预测都服务于一个更平静的决定。 Finance did not start as “one more budgeting app.” It began with a personal question: given how I live today, when can I safely accept being FIRE’d? Every statistic serves the prediction, and every prediction serves a calmer decision.

把财务自由，从感觉变成答案。Turn financial freedom from a feeling into an answer.

用真实数据规划未来。知道还差多远，也知道什么时候已经足够。Plan the future with real data. Know how far you are — and when you already have enough.

查看 FIRE 预测See FIRE projection → 回到 SouusBack to Souus →