reddit · SideProject · 10-24 06:50 46 分 ← 返回列表

"Where Did My Money Go?” I built a little tool that finds subscriptions hiding in my bank statements

I’ve been thinking about how easy it is to lose track of small monthly expenses. A few subscriptions here, a couple of recurring payments there, and suddenly a decent chunk of money is gone every month. The idea behind MoneyMap is to make that easier to spot. The goal is to build a simple tool where you can import your transactions, have them automatically sorted into categories, and see which payments keep showing up every month. I also want it to flag recurring charges t

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：银行账单里分散的小额订阅和周期扣款难以察觉，用户每月在无感知中持续漏钱，也难以判断哪些订阅该取消

目标用户：有多笔订阅和自动扣款、想控制日常支出的个人消费者（尤其是年轻上班族、财务自理但懒得记账的人）

证据：A few subscriptions here, a couple of recurring payments there, and suddenly a decent chunk of money is gone every month. / I also want it to flag recurring charges that might be worth reviewing, especially subscriptions you signed up for months ago and barely use anymore.

变现：Freemium 订阅制（识别订阅免费，取消提醒、涨价监控、年化花费报告按月收 $3-5）；对可替换服务做联盟返佣（如把贵订阅换成便宜的同类替代品）

MVP：两周版：支持上传银行/信用卡 CSV（先不做 PDF 与银行直连），用规则匹配（商户名归一化 + 金额/日期周期性判断）加 LLM 辅助分类，输出「订阅清单 + 月/年化花费 + 疑似久未使用/涨价提醒」，结果可一键导出或分享；先手动验证 50 份真实流水的识别准确率作为卖点

竞品：Rocket Money、Trim、Bobby、Subby、Monarch Money、Copilot Money

摘要：开发者展示了 MoneyMap 的概念仪表盘：导入交易流水后自动分类，并识别每月重复出现的订阅扣费，还会标出可能该复查的旧订阅。目前只是设计稿，尚未做出原型，也未验证真实流水上的识别准确率，帖中没有任何收入或付费意愿数据。该方向已有 Rocket Money、Trim、Bobby 等成熟产品，竞争非常拥挤。