개인재무관리
Budgeting, expense tracking, savings, and personal financial planning tools
| Business Model | Revenue Model | Key Metrics | Key Players |
|---|---|---|---|
Budgeting Apps 가계부앱 | Freemium & Subscriptions | Monthly Active Users, Transaction Volume, Premium Conversion Rate | Mint, YNAB (You Need A Budget), PocketGuard |
Expense Tracking 가계부 | Premium Features | Daily Entries Per User, Category Usage, Receipt Scan Volume | Expensify, Toshl Finance, Goodbudget |
Savings Goals 적금앱 | Interest Spreads & Subscriptions | Total Savings Volume, Goal Completion Rate, Average Savings Per User | Qapital, Digit, Chime |
Debt Management 부채관리 | Subscriptions & Loan Referrals | Total Debt Tracked, Payoff Progress Rate, Interest Saved | Tally, Debt Payoff Planner, Undebt.it |
Bill Reminder 청구서관리 | Freemium & Bill Negotiation | Bills Tracked Per User, On-Time Payment Rate, Late Fees Saved | Prism, BillTracker, Truebill (Rocket Money) |
Net Worth Tracking 자산관리 | Premium Analytics | Total Assets Under Management, Account Integration Rate, Net Worth Growth Rate | Personal Capital, Monarch Money, Kubera |
Financial Planning 재정설계 | Advisory Services & Subscriptions | Plans Created, Goal Achievement Rate, Assets Under Advisement | Facet, Betterment Planning, Wealthfront Path |
Emergency Fund 비상자금 | Interest Spreads | Emergency Fund Coverage Ratio, Contribution Consistency, Withdrawal Frequency | Marcus by Goldman Sachs, Ally Bank Emergency Savings, Simple Emergency Fund |