AI 分析
痛点：银行余额只显示当下有多少钱，无法预判发薪日之前哪一天会因房租和自动扣款而资金紧张
目标用户：按周薪/双周薪/半月薪发放、被日历月预算工具忽视的工薪族，尤其是月光、现金流紧张的年轻人
证据：You can have $600 on Tuesday and still get caught short by Friday when rent and direct debits hit. ... It is built around payday, not the 1st, so weekly, fortnightly, twice monthly, monthly and odd cycles all work. No bank linking. Current cycle is free. ... I built this assuming fortnightly and twice monthly earners are the ones badly served by calendar month budgets, but I do not know if that is true or just true for me.
变现：Freemium：当前周期免费，订阅解锁多周期预测、无限账单/循环支出、多账户、提醒与历史回看（月付 3–5 美元或年付 20–30 美元）
MVP：两周内做一个纯手动录入的移动端/网页应用：用户设发薪日和周期→录入循环账单与金额→按天推算余额曲线并高亮“紧张日”，推送预警；不做银行直连，数据本地存储
竞品：YNAB、Monarch Money、Copilot Money、PocketGuard、Emma、Brigit、Dave、Paycheck Planner
摘要：一位从 2025 年 6 月开始学编程的独立开发者用 React Native + Expo + Supabase 做出了按发薪周期（周/双周/半月/月）逐日预测余额、提前标记“紧张日”的 App，已上架 App Store 并刚上线发薪日预测更新，当前周期免费。作者自己也不确定双周/半月薪人群是否真的被日历月预算工具忽视，帖子中没有出现任何付费用户原话或收入数据，付费意愿尚未被验证。