reddit · SideProject · 11-11 19:50 53 分 ← 返回列表

I got tired of typing every coffee into a budget app, so I built one you just talk to

Every budget app I tried died the same way for me. Day 3, I forget to log lunch. Day 5, I stop opening it. So I built WiseFlow. You say "breakfast 12, coffee 4.50, taxi 18" and it logs all three. Snap a receipt and it reads every line. Link your bank and it sorts things itself, and only asks you when it's not sure. The part I'm proudest of: ask "can I afford this?" and it checks your bills and savings goal first, not just your balance. It's on Android and iPhone now. Free

五维评分

付费意愿

需求真实度

个人可落地

竞争空间

新鲜度

AI 分析

痛点：手动逐笔输入太麻烦，导致预算记账 App 普遍在 3-5 天内被用户弃用

目标用户：想记账理财但坚持不下来的普通消费者、年轻上班族

证据：Every budget app I tried died the same way for me. Day 3, I forget to log lunch. Day 5, I stop opening it. / It's on Android and iPhone now. Free tier, Pro for 3.99-6.99. Depends on the country.

变现：Freemium 订阅：免费额度 + Pro 按地区定价 3.99–6.99（美元/月），并对小票 OCR、银行直连、'能不能买'决策等高级功能收费

MVP：先做 iOS 快捷指令/小组件 + LLM 自然语言解析：一句话含多笔消费自动拆分入账，支持手动输入和语音转文字，暂不做银行直连和 OCR，两周内可上线验证留存

竞品：YNAB、Copilot Money、Monarch Money、Spendee、随手记、语音记账类 App

摘要：开发者因自己反复弃用预算 App（第 3 天忘记午餐、第 5 天不再打开）而自建 WiseFlow，支持一句话语音记多笔、拍小票 OCR 逐行识别、银行直连自动分类，以及结合账单与储蓄目标的'我能买吗'判断。Android/iOS 已上线，采用 Free + Pro 3.99–6.99 按地区定价。但帖子属于自我发布，没有第三方付费证据或收入数据，且记账赛道竞品极为密集。