穗芽账本
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A couple reviewing a shared household plan in soft morning light

AI-assisted personal and family finance

穗芽账本

See your whole money picture.
Understand what changed.

Bring everyday spending, ledgers, assets, debt, and cash-flow insights into one calm view—without living in spreadsheets.

Explore the product See how it works

Records → context → decisions

Built for real household money

Money arrives in fragments. Your understanding should not.

穗芽账本 connects the daily details to the bigger picture, while keeping the underlying records close enough to review and correct.

穗芽账本 turns a natural-language expense note into a reviewable record
A natural-language expense becomes a visible, correctable record before it is saved.

One connected money picture

From a single expense to the shape of your finances.

Capture what happened, clean the records, then see spending, assets, debt, and near-term cash flow together.

穗芽账本 household overview showing spending room, cash flow, net worth, and upcoming bills
Illustrative interfaces based on current product workflows, using demonstration data.
01

Record naturally

Type a note, speak, or scan a receipt. The assistant helps turn everyday moments into organized records.

02

Keep every ledger clear

Import CSV or Excel statements, review duplicates, and organize transactions by account, category, merchant, or project.

03

See assets and debt together

Track cash, investments, property, vehicles, and liabilities in one net-worth view.

04

Understand cash flow

Connect recurring bills and daily spending to a clearer view of near-term pressure.

How it works

Four moves from record to decision.

  1. 01

    Capture

    Record an expense, scan a receipt, or import a statement.

  2. 02

    Review

    Correct categories, amounts, accounts, and duplicate records.

  3. 03

    Understand

    See cash flow, net worth, assets, and liabilities together.

  4. 04

    Adjust

    Use the underlying records to make the next decision with context.

穗芽账本 traceable insight showing its time period, source records, correction actions, and AI controls

AI under your control

Useful when it explains. Trustworthy when you can check.

穗芽账本 is designed to organize and interpret financial records, not hide them behind a magic answer.

Traceable by design

Insights are designed to connect back to the records and assets behind them.

Correctable by you

Amounts, categories, ledger assignments, and asset details remain editable.

Controls for AI

Long-term memory, proactive insights, and automatic saves can be managed separately.

Everyday clarity

Clarity for the money decisions you make every day.

穗芽账本 helps organize and interpret financial records. It does not replace investment, tax, or legal advice.

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