財伴oSave - 存錢助手。精準記帳、財務分析、儲蓄建議

斐闊有限公司

About this app

oSave uses accounting logic for bookkeeping and AI to analyze your financial situation. It not only helps you record income, expenses, and savings, but also assists you in organizing cash flow, understanding spending changes, and managing your financial health, gradually cultivating a saving habit and moving towards your first pot of gold.

【Who is oSave suitable for?】
• Financial experts who feel that most bookkeeping software on the market is not rigorous enough.
• Self-taught individuals who understand income, expenses, and liabilities, but whose information is fragmented and not integrated.
• Curious individuals who are already saving money but are not good at financial calculations.
• Beginners who have the idea of ​​managing their money every month but find it difficult to maintain the habit.

【Core Functions】

1. Comprehensive Cash Flow Management
oSave's bookkeeping of income and expenses is fully aligned with accounting principles, making personal bookkeeping as accurate as an accountant's.

Worried about the complexity of operation? Don't worry, oSave has spent a whole year researching, arranging, and combining how to achieve standard accounting bookkeeping with the fewest steps.

Income, expenses, and conversions are separated, combined with automatic recording of fixed income and expenses upon maturity and calendar review, making personal finances no longer a mystery. 2. First Pot of Gold Savings
Why can't savings just be numbers on a bank account?

Answer three questions, and our financial companion will calculate a personalized savings goal for you—your first pot of gold or an emergency fund.

It will then accumulate your savings progress based on your actual income and expenditure flow, and calculate your daily balance of "how much can I spend today,"

turning saving from a vague wish into a visible daily progress.

3. Financial Health Check
You don't need to guess how well you're controlling your income and expenditure.

Wealth Companion assesses your cash flow weekly based on six key indicators: cash surplus, necessary expenses, non-essential expenses, fixed expenses, debt management, and savings capacity.

The overall score is presented as a radar chart, and AI generates plain-language analysis and improvement suggestions,

telling you which area to prioritize this week and what to do next.

4. Abnormal Expense Alerts
Think back to Singles' Day shopping sprees, think back to 10 Starbucks visits this week, think back to 10,000 NTD spent on clothes this month… Look forward to the future! No more regrets! Wealth Companion uses its self-developed analytical methods to help you identify all your "spending blunders."

5. Intelligent Item Identification: For office workers, the first cup of coffee isn't a beverage; for college students, the late-night coffee isn't transportation costs.

Leave those hard-to-identify income and expense items to Wealth Companion with confidence, and let specialized AI find the appropriate category for every cash flow.

6. Feature Wishlist: The Wealth Companion team welcomes all users to participate in the development. Let us help you realize your effective but not yet digitized financial management methods.

【Product Design Philosophy】

• Understand complex finances with a simple interface

• Financial management returns to income, expenses, savings, and loans, no longer blindly chasing investments

• Accurate recording -> data integration -> action implementation -> results feedback, embarking on the path to financial freedom with you

Currently, oSave primarily relies on manual data input and does not automatically link to financial or securities accounts.

Besides security reasons, the team believes that personal finance, like fitness, has no shortcuts :)

【Important Reminder】 oSave provides general financial health information and reference suggestions, not personalized investment or insurance sales advice. Actual financial decisions still need to be assessed based on your risk tolerance and professional advice.

What’s new

【v1.0.4】操作更順手，資料更安心

• 財務健康雷達圖：六大指標與「表現最佳／最需要注意」都能直接點進詳細頁，不必再回頭找按鈕。
• 收支比較圖：平均線加上 Avg. 標示，一眼看懂那條虛線代表什麼。
• 待補帳目：補件時會顯示你當初隨手記下的時間，回想更容易。

謝謝每一位回報問題的你，讓財伴愈來愈好用 🙌