reddit · SideProject · 10-19 23:50 47 分 ← 返回列表

I built my own budgeting app because monthly budgeting never really worked for me

Hey everyone! For a while, I was managing my personal finances through an Excel spreadsheet I had built myself. One thing I kept coming back to was how much easier it felt to budget between paychecks rather than by calendar month . Most budgeting apps seem to focus heavily on monthly budgets, but that's not always how money actually moves. You get paid on a certain date, you have bills coming up before your next paycheck, you want to save some money, and you need to know exactly what

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付费意愿

需求真实度

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新鲜度

AI 分析

痛点：按月预算不符合实际发薪周期，用户需要按两次发薪日之间可支配金额来规划支出、账单和储蓄。

目标用户：按双周/半月/不规则周期发薪的人，如小时工、自由职业者、零工经济从业者及现金流紧张人群。

证据：monthly budgeting never really worked for me；budgeting between paychecks rather than by calendar month；Does paycheck-based budgeting sound useful

变现：Freemium订阅：基础按发薪周期预算免费，高级预测、收据/银行流水导入、多账户和个性化建议按月/年订阅；也可做一次性买断。

MVP：2周内做Flutter单机MVP：输入下次发薪日和当前余额，录入固定账单与目标储蓄，自动计算每个发薪周期剩余可花金额并展示计划vs实际；先不做银行连接。

竞品：YNAB、Monarch Money、Copilot Money、EveryDollar

摘要：开发者把自制Excel预算系统做成Flutter应用BetweenPay，核心是按实际发薪周期而非自然月做预算，目前iOS beta。功能包括周期内账单、固定/可变支出、储蓄和可用金额预测，并计划支持收据或银行流水导入。帖子未提供收入数据或明确付费意愿，主要是向社区征求反馈。