reddit · SaaS · 10-03 23:50 68 分 ← 返回列表

I was tired of expense apps that want your bank login or a statement upload. So, I built an iOS app that reads the expenses from SMS your bank already sends.

I built this app, so take it as that. I dropped every expense app I tried, for one of three reasons. I had to type each purchase in and stopped within a week. Or it wanted my bank login or a statement upload. Or it wanted my email so it could read my statements. Either way I logged less than I spent, and the total was wrong. My bank already texts me for every purchase, with the shop and the amount. So I built Spenvo, an iPhone app that turns those texts, and purchase notific

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痛点：现有记账应用要么要求手动录入，要么要求银行登录、上传账单或读取邮箱，隐私差且用户容易放弃，导致账目不准。

目标用户：注重隐私、银行会发送交易短信/通知的 iPhone 用户，尤其是短信交易提醒普及的市场（如印度）。

证据：I was tired of expense apps that want your bank login or a statement upload. / Free for 30 expenses a month, however you add them, with a yearly or one-time upgrade after that. / There's no server. No app login or bank login, and nothing leaves your phone.

变现：Freemium：每月免费 30 笔，之后按年订阅或一次性买断升级。

MVP：做一个 iOS 本地 App，通过 Shortcuts 自动化接收银行短信/钱包通知，本地解析商户和金额，自动排除 OTP、退款、入账、失败支付等，支持分类、CSV 导出和免费额度+付费解锁。

竞品：Spendee、Money Manager、YNAB、Walnut、Money View、Axio、Fold

摘要：开发者因不满现有记账 App 要求银行登录或上传账单，做了 Spenvo，用 iOS Shortcuts 把银行短信和钱包通知转成支出列表，全部本地处理且无服务器。免费版每月 30 笔，之后按年或买断升级，已在 App Store 上线。机会点在于隐私优先的自动记账，但赛道竞品多，付费需求仍处早期验证阶段。