把目标变成每月的数。
填入目标时间与生活开销，反算需要的每月投入；已有余额继续复用，不用再抄一张表。
本地使用 · 无需账号 · 开源
每月盘一次家底，
看看离不上班还有多远。
银行卡、余额宝、券商、公积金，还有房贷。把分散的余额和欠款放到一起，看清净资产，再为想过的生活做个计划。不用每天记流水，每月或每季回来一次就好。
Mac（Apple Silicon / Intel）与 Windows x64 · 中文界面 · 未签名公开测试版
三个问题，从同一份家底出发。
给未来一个可核对的估算。
用自己的投入和假设查看财务独立时间。条件没填齐就明确说明，不把未知当作零。
先看看休息的余地。
临时比较空窗、开销或换工作的影响。试算不改账户余额，结论也不是收益承诺。
盘点留下事实，回顾看清变化。
资料留在你的电脑上。
没有账号、云同步、行情联网或 AI。平时不联网；只有你点击「检查更新」时，应用才查询公开发布列表。这张静态页面不加载外部脚本、字体或统计服务。
主资料库和图片未加密；完整备份可选用你保管的恢复密钥加密。自动备份与资料同盘，请另留一份异地备份。
当前金额以人民币记录，账户类型面向中国大陆，支持公积金、个人养老金等。房产不计入金融净资产。不提供日常流水、交易或自动付款。
从第一次盘点开始。
下载后选「先盘点账户」，录入各平台余额和欠款。目标可以之后再设，物品档案也可以独立使用。
Mac 最低目标 macOS 14，已在 Apple Silicon / macOS 27 验证；Intel 与旧系统未实机验证。Windows 10 1809+ / 11 x64。首次运行可能遇到系统安全提示，安装方法与未验项见快速上手。
Local · No account · Open source
A clearer view of your money.
More room for your life.
Check your balances once a month or quarter. Bring assets and debts together, follow your net worth, and plan for life beyond a paycheck. No daily transaction logging required.
Mac (Apple Silicon / Intel) and Windows x64 · Chinese interface only · Unsigned public beta
Three questions, grounded in your balances.
How much should I save?
Estimate the monthly contribution needed for your target date and living costs, using the balances you already recorded.
When could I leave my paycheck?
Explore a possible date with your own contributions and assumptions. Missing information stays visible.
How long could I take off?
Compare a work break, different expenses, or a job change without changing account balances. Estimates are not promised returns.
Keep the facts. Understand the changes.
Your records stay on your computer.
No account, cloud sync, market feed, or AI. The app works offline and only queries public release lists when you click Check for updates. This static page loads no external scripts, fonts, or analytics.
The main database and photos are not encrypted. Full backups can be encrypted with a recovery key you keep. Automatic backups share the same disk as your data; keep an off-device copy too.
Amounts are recorded in CNY. Account types are designed for mainland China, including housing provident funds (公积金) and individual pensions (个人养老金). Property is excluded from financial net worth. No daily transaction ledger, trading, or automatic payments.
Start with your first balance check.
Add balances and debts from your accounts. Set a planning goal when useful, or use belongings records independently.
Mac: minimum target macOS 14; tested on Apple Silicon / macOS 27. Intel and older macOS releases have not been verified on hardware. Windows: 10 1809+ / 11 x64. Both downloads are unsigned public betas; system security prompts may appear.