核心功能Core Features
一个应用，管理所有储蓄与理财计划One app, every savings and finance plan
从日常打卡到长期规划，从传统标会到加密矩阵，「存钱上瘾计划」把个人财务里每一个真实场景都做成独立模块。From daily check-ins to long-term planning, from traditional BiaoHui to crypto matrices — every real personal-finance scenario is a dedicated module.
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资产大盘总览Net-worth Dashboard
所有账户、计划、负债一屏汇总，总资产实时计算。All accounts, plans and debts in one dashboard with live totals.
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52周存钱计划52-Week Savings Plan
递增、等额或自定义金额，一年坚持一小步。Incremental, flat, or custom amounts — one small step each week.
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100笔挑战100-Deposit Challenge
百次存款打卡，进度与累计金额一目了然。100 deposit check-ins with progress and running totals.
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标会管理BiaoHui / Hui Plan
传统互助储蓄数字化：会首、期数、金额、得标全记录。Traditional mutual savings digitized: organizer, round, amount, bid.
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理财投资计划Investment Plan
追踪本金、收益率与到期时间，资产健康度直观呈现。Track principal, yield and maturity for a clean portfolio view.
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债务清偿计划Debt Payoff Plan
科学管理负债与还款流水，看到每一次减法。Manage liabilities and repayments, watch the balance shrink.
₿
币安矩阵计划Binance Matrix Ledger
多账号加密资产对账，仓位与盈亏一目了然。Multi-account crypto ledger with positions and P/L at a glance.
✂️
节流记账Expense Cutting
记录每一次"少花一点"，把节省本身变成储蓄。Log every "saved a bit today" — turn savings into its own habit.
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AI 张财神点评Zhang CaiShen AI Coach
每日个性化点评与建议，让存钱更有方向感。Daily personalized advice from a Gemini-powered AI coach.
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数据可视化Visual Analytics
进度条、日历热力图、趋势曲线，让数字会说话。Progress bars, heatmaps and trend curves — data that speaks.
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打卡提醒Check-in Reminders
节奏化提醒，让"坚持"不再依赖意志力。Rhythmic nudges so persistence isn't a willpower problem.
☁️
云端实时同步Real-time Cloud Sync
Firebase 实时同步，手机、平板、电脑无缝切换。Firebase-backed sync across phone, tablet and desktop.
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账号安全登录Secure Auth
邮箱 / 第三方账号登录，数据仅属于你。Email or third-party sign-in; your data stays yours.
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多端 Web 可用Cross-platform Web
纯 Web 应用，任意浏览器打开即用，无需安装。Pure web app — open in any browser, zero install.
