reddit · SideProject · 09-17 17:50 49 分 ← 返回列表

I built an expense tracker that refuses to connect to your bank

Every budgeting app wanted my bank credentials or an aggregator in the middle. I didn't want either, so I spent months building KOWA: you export your statement from your bank's website (CSV, Excel or PDF) and it does the rest. It detects around 106 bank formats, categorises with rules and your own history first, and only asks an AI about merchants it has never seen, with account numbers and personal details masked before anything leaves the server. It's deliberately boring about privacy: no

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：主流记账/预算 App 都要求交出银行账号凭据或经由第三方聚合器，注重隐私的用户不愿授权，只能手动记账或放弃自动导入

目标用户：注重隐私的个人用户（欧洲/GDPR 敏感地区为主）、不愿把银行凭据交给 Plaid 类聚合器的 DIY 记账者

证据：Every budgeting app wanted my bank credentials or an aggregator in the middle. I didn't want either… Free plan for manual tracking; the paid plan (4.99 EUR/month) covers the AI costs of statement import. It's live at kowa.es… First paying user exists, and it's me.

变现：Freemium 订阅：手动记账免费，4.99 EUR/月解锁 CSV/Excel/PDF 对账单 AI 导入与自动分类；后续可加一次性买断版、多账户/家庭共享、税务导出等高级档

MVP：2 周内做单机版 MVP：浏览器本地解析 CSV/Excel（先支持 5–10 家主流银行格式）+ 基于规则的分类与历史学习，PDF/AI 兜底调用第三方 LLM 并在客户端做姓名/账号脱敏；本地存储 + 一键导出/删除，不接银行 API、不做账号体系，先收 3–5 个种子用户验证

竞品：YNAB、Actual Budget、Firefly III、MoneyWiz、Banktivity

摘要：博主因不愿把银行凭据交给聚合器，独立开发了 KOWA：用户从银行导出 CSV/Excel/PDF 对账单，工具自动识别约 106 种银行格式并用规则+AI 分类，账号与个人信息在离服务器前脱敏，无 cookie/tracker、欧盟托管。定价为手动记账免费、AI 导入 4.99 EUR/月，已上线英文/西语/荷兰语，但唯一付费用户是作者本人，尚无外部收入数据验证。