reddit · SideProject · 11-02 15:50 53 分 ← 返回列表

I built a budget app where you log expenses by texting them

I kept quitting budgeting apps. Opening the app and filling in amount, category and account for every single coffee was too much, so after a week I'd stop. So I built Flowly Balance. You text "Starbucks $7 Amex" to your Flowly number and it logs the expense, picks the category and links it to the right card. No bank connection needed. At night you get a short text with your day's recap. There's also a regular dashboard with accounts, cards, income, recurring bills, goals

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：传统记账 App 需要手动填写金额、分类和账户，摩擦太大，用户坚持一周就放弃；把「发短信」作为记账入口可以降低记录成本。

目标用户：反复尝试记账但很快放弃的个人用户，尤其是手机重度使用者、多卡多账户的 iOS 用户，以及不爱连银行账户、注重隐私的人。

证据："Opening the app and filling in amount, category and account for every single coffee was too much, so after a week I'd stop." "You text \"Starbucks $7 Amex\" to your Flowly number and it logs the expense, picks the category and links it to the right card. No bank connection needed." "It's live on iOS with a 7-day free trial."

变现：订阅制：7 天免费试用后 $2.99–4.99/月或 $29–39/年；短信通道成本按条计。可加增值包：多币种、家庭共享、自动账单识别、报表导出。

MVP：2 周版 MVP：购买 Twilio/国内短信号或直接用 Telegram、WhatsApp Bot 作为输入通道；用正则加上 LLM 解析「商家金额卡名」；后端 SQLite 保存流水；前端只做极简周报和月度分类图（可用现成模板或 PWA），先验证「短信记账」这一交互偏好。

竞品：YNAB、Copilot Money、Monarch Money、Rocket Money、Spreadsheet/Shortcuts 手动记账方案

摘要：作者因为手动填金额、分类和账户太麻烦，一周就放弃记账，于是做了 Flowly Balance：把“Starbucks $7 Amex”这类短信发给专用号码即可自动记账并归类，无需连接银行，夜间推送当日回顾，还有账户、周期账单、目标和报表看板。产品已在 iOS 上线，提供 7 天免费试用，作者正在征求 onboarding 和短信流程的反馈。帖子只有个人体验和产品发布，没有付费用户或收入数据，且记账赛道竞品密集。