Zhiyu Plans

Give everyday life, travel, and personal projects a clear place in your plans. Zhiyu Plans brings manual bookkeeping, savings goals, and practical learning together. It supports Chinese yuan (CNY) records, with an interface you can switch between English and Simplified Chinese. SEPARATE LEDGERS, CLEARER PLANS Keep independent accounts, transactions, categories, monthly budgets, goals, and recurring plans for different parts of life. TURN A GOAL INTO MONTHLY STEPS Start with a travel, emergency fund, or device template, or create your own goal. Enter your target and link a dedicated bookkeeping account. Progress follows its manually recorded balance. Add a target date to see the remaining amount spread across the months, including the current and target months. This is a planning calculation, not a required payment or promised result. RECURRING ENTRIES YOU CONFIRM Plan regular income or expenses weekly or monthly. When an entry is due, confirm it in the app or skip it. No entry is posted automatically in the background, and the app does not move money. SEE YOUR YEAR IN CONTEXT Review monthly income, expenses, and the difference between them, plus spending by category. Transfers between your recorded accounts are excluded from income and expenses. LEARN, THEN TAKE A SMALL STEP Read six bundled lessons on emergency funds, goal breakdowns, saving timing, variable income, budget choices, and monthly reviews. Each has a practical example, small actions, and a reflection question. Bookmark lessons, mark them as read, and open the relevant planning feature. Lessons work offline; opening reference links requires internet access. YOUR RECORDS, ON YOUR DEVICE No ads, sign-up, or subscription. Export and restore a complete financial JSON backup, or import a backup from the free Zhiyu bookkeeping app as a new ledger. Export the current ledger's transactions as CSV for viewing. The app is a local CNY bookkeeping and planning tool. It does not connect to banks, make real payments or transfers, hold funds, offer cloud sync, or send system due-date notifications. Back up your financial data before changing devices or uninstalling. Reading preferences are stored locally and are not included in financial JSON backups. Support: huzailingcom@gmail.com