海外华人工具箱Overseas Chinese Toolkit
Overseas Chinese Toolkit海外华人工具箱
海外生活的一站式指南。选择你的当前状态，让我们的智慧引擎为你规划最优的路径与决策。 One-stop guide for overseas life. Tell us where you are, and let AI plan the best path and decisions for you.
大家都在用Popular right now
今日Today
每天打开看一眼，心里有数A daily glance keeps you on track推荐工具Recommended Tools
全维度服务目录Full-Service Directory
从初识抵达，到长久安家——我们为你准备了跨境生活每个阶段所需的工具。 From first arrival to long-term settlement — we provide the tools for every phase of cross-border life.
邮箱合作保险Partnership
所有商务合作请联系合作邮箱（涉及保险公司、投行、跨境汇款等业务合作）。我们可能回复周期较长，请耐心等待。Business cooperation — please email our partnership inbox for insurance, banking, remittance partners. We may take time to reply.
隐私至上Privacy First
您的所有计算均在本地浏览器内完成，不上服务器。匿名行为统计用于产品改进，不会出售给第三方。All calculations stay in your local browser. Anonymous usage stats are used only to improve the product. We never sell data.
财务工具Finance Tools
管理汇款、汇率、税务和投资，最大化您的跨境资金效率。Manage remittance, exchange rates, taxes and investments to maximize your cross-border financial efficiency.
汇款对比Remittance Compare
比银行节省 1.5–3%Save 1.5–3% vs banks
汇率换算Currency Converter
150+ 货币实时汇率150+ live currency rates
多币账单提醒Multi-Currency Bills
跨国的账单不再忘记还Never miss a cross-border bill
汇率盯盘Rate Alerts
目标汇率达到时提醒Get notified when target rates hit
退税计算器Tax Refund
海外购物 VAT / 免税估算Estimate VAT / tax-free refund
多币种资产记账Asset Tracker
净资产本币一眼看清Net worth in one base currency
税务自查Tax Self-Check
海外收入申报义务排查Overseas income filing check
热门汇率Popular Rates
身份与签证工具Identity & Visa Tools
追踪签证进度、管理文件、确保身份合规。Track visa progress, manage documents, stay compliant.
学业工具Academic Tools
GPA 换算、Deadline 追踪、引用生成与批量导入。GPA conversion, deadline tracking, citation & batch import.
生活工具Daily Life Tools
租房、出行、医疗、银行开户等日常必备。Renting, travel, medical, banking — daily essentials.
银行开户指南Bank Account Guide
按国家分步指导Step-by-step by country
即将上线Coming Soon租房合同审查Lease Review
本地扫描危险条款Scan risky clauses locally
机票比价Flight Comparison
留学生/华人特价Student/overseas deals
即将上线Coming Soon医疗保险对比Health Insurance Compare
各国保险方案对比Compare plans by country
即将上线Coming Soon国际快递导航Courier Directory
快递/转运官方报价直达Official quote links
回国准备清单Return Checklist
勾掉每一项，安心上飞机Check off before boarding
代购追踪Shopping Tracker
帮朋友带的东西一个不漏Track what friends asked for
国内服务检查China Service Check
身份证、手机号、银行卡状态ID, phone, bank status
求职工具Career Tools
优化简历、匹配岗位、提升面试技巧。Optimize resume, match jobs, boost interview skills.
汇款总成本对比器Remittance Total Cost Calculator
不只是汇率。我们算清手续费、隐性汇损、1% 税和合规义务，告诉你真正到账多少钱。Not just exchange rates. We calculate fees, hidden FX spread, 1% tax, and compliance — so you know the real arrival amount.
输入金额并点击"计算总成本"Enter an amount and click "Calculate Total Cost"
为什么总成本比你想的高？Why total cost is higher than you think?
隐性汇损Hidden FX Spread
银行和汇款机构的汇率比市场中间价高出 3%–6%。这是最大的隐性成本，大多数界面不显示。Banks and remittance providers mark up exchange rates by 3%–6% vs the mid-market rate. This is the biggest hidden cost, rarely shown.
1% 汇款税 (美国)1% Remittance Tax (US)
美国自 2026 年 1 月 1 日起，所有现金/汇票等非电子跨境汇款征收 1% 税款，由汇款服务商代扣。Since Jan 1, 2026, all non-electronic cross-border remittances from the US are subject to a 1% tax withheld by the remittance provider.
合规申报成本Compliance Filing Cost
超过特定金额触发申报义务（FBAR / Form 3520 / 外管局申报），未申报的罚款远高于任何手续费。Exceeding certain amounts triggers reporting obligations (FBAR/Form 3520/SAFE declarations). Penalties for non-filing far exceed any transfer fee.
实时Live
实时换算主要货币，智能分析潜在汇损Convert major currencies live, smart analysis of potential loss
降低汇损Reduce Loss
实时中间价已接入，通过汇款渠道对比手续费与汇损通常能更省。Live mid-market rates are wired in; comparing remittance channels usually saves more.
跨境汇款比价Remittance Compare
横向对比 Wise / 熊猫速汇等渠道，避开 3–6% 隐性汇损Compare Wise, PandaRemit & more — avoid hidden 3–6% FX loss
签证路径模拟器Visa Path Simulator
不只是追踪进度。模拟你的签证路径未来——续签、转签、永居、断点风险，一条时间线看清楚。Not just tracking. Simulate your visa path forward — renewals, transitions, PR eligibility, and gap risks on one timeline.
选择条件后点击"模拟路径"Select your conditions and click "Simulate Path"
证件过期管理Document Expiry Manager
记录护照、身份证、签证等证件到期日，再也不会错过续期。Track passport, ID card, visa expiry dates — never miss a renewal.
我的证件My Documents
回国准备清单Return Prep Checklist
勾掉每一项，安心上飞机。Check off each item, board with peace of mind.
标准清单Standard Checklist
代购追踪器Shopping Tracker
帮朋友带的东西记下来，一个不漏；垫了多少钱、还有谁没给钱，一眼看清。Track what friends asked you to bring — and whose money you're still owed.
代购清单Shopping List
课业 Deadline 追踪Assignment Deadline Tracker
把每门课的作业、论文、考试截止日记下来，状态一目了然，再也不漏交。Track every assignment, essay and exam deadline — never miss a submission.
课业清单Coursework
学期全景Semester Overview
课业截止、签证续签、税表截止、落地待办——这个学期的大事，一条时间线全看清，不靠记性。Coursework deadlines, visa renewals, tax dates and landing to-dos — your whole semester on one timeline.
时间线Timeline
今日课程Today\u0027s Classes
签证 / 证件日期Visa & Documents
税表截止Tax Deadlines
落地待办Landing To-dos
去落地清单Open Landing →批量导入Batch Import
把 LMS 日历导出的 .ics、或课表/作业表 CSV 一次粘进来，自动变成 Deadline 记录，不用一条条手敲。Paste an .ics export from your LMS or a CSV from your course list — turn them into deadline records in one go.
粘贴 ICS 日历内容Paste ICS calendar content
在 Canvas / Moodle / Blackboard 日历里选「导出」得到 .ics 文件，粘贴进来或选择文件。每个 VEVENT 的 SUMMARY 成为任务名，DTSTART / DUE 成为截止日期。Export the .ics from Canvas / Moodle / Blackboard, then paste or pick the file. Each VEVENT's SUMMARY becomes a task; DTSTART / DUE becomes the due date.
粘贴 CSV / 表格内容Paste CSV / spreadsheet content
第一行写表头（推荐）：任务, 课程, 截止日期, 占比, 状态。没有表头也行：第一列是任务、最后一列是日期。支持逗号、Tab、中文逗号；日期支持 2026-08-01 / 08/01/2026 / 2026年8月1日。Use a header row (recommended): task, course, due date, weight, status. No header? First column = task, last column = date. Accepts commas, tabs or Chinese commas; dates like 2026-08-01 / 08/01/2026 / 2026年8月1日.
解析结果Preview
| 任务Task | 课程Course | 截止日期Due | 占比 %Weight % | 状态Status |
|---|
引用生成器Citation Generator
填好文献信息，一键生成 APA 7 / MLA 9 / GB7714 三种格式。生成结果为草稿，请按学校要求核对。Fill in the source details, get APA 7 / MLA 9 / GB7714 instantly. Drafts only — verify against your school's guide.
GPA 换算GPA Converter
中国百分制 ↔ 海外绩点，几套常见算法一次看清；申请季算加权绩点不再抓瞎。仅供参考，以目标学校 / 机构官方换算为准。China's 100-point scale vs overseas GPA — see the common algorithms at a glance, and total your weighted GPA. Reference only — defer to your school's official conversion.
单科换算Single Score
左框填百分制 → 看各算法 GPA；右框填 4.0 绩点 → 反推约等于百分制。Left: 100-pt score → GPAs under each algorithm. Right: 4.0 GPA → approximate 100-pt equivalent.
加权绩点计算Weighted GPA
按学分加权算总绩点。改完自动保存，下次打开还在。Credit-weighted total GPA. Auto-saves — it'll be here next time.
多币账单提醒Multi-Currency Bill Reminders
跨国的账单不再忘记还。Never miss a cross-border bill payment again.
我的账单My Bills
退税计算器Tax Refund Calculator
估算你海外购物能退回的 VAT / 消费税。按目的地常见实际到手比例粗算，仅供参考。Estimate the VAT / consumption tax you can reclaim on overseas shopping. Rough figures by destination — reference only.
多币种资产记账Multi-Currency Asset Tracker
把各地账户、现金、投资记下来，自动折算成同一本位币，净资产一眼看清。Log accounts, cash and investments across currencies — auto-converted to one base currency.
汇率盯盘Rate Alerts
设置目标汇率，达到时立即提醒。Set target rates and get notified when they hit.
我的盯盘My Alerts
国内服务检查清单China Service Check
出国久了，国内很多服务悄无声息出问题。证件、手机号、银行卡、社保公积金——周期项到点提醒你查，证件项到期前倒计时。Services back home silently expire while you're abroad. Recurring items remind you to check on schedule; documents count down to expiry.
国际快递导航Courier Directory
运费各家差异大、还常变动，模拟估算容易误导。这里直达各大快递与转运的官方报价页，输入重量地址自己查实时价，最靠谱。Rates vary a lot and change often — estimates mislead. Jump straight to each courier's official quote page and get live prices for your own parcel.
外链跳转到各公司官网。报价页一般需要输入 重量 / 尺寸 / 起止国家 才会显示价格；大促期间官网常有折扣码。Links open each carrier's official site. Quote pages usually need weight, size and origin/destination; watch for promo codes during sales.
资源目录Resource Directory
留学、移民、生活必备网站精选。☆ 收藏常用资源，也可以添加自己的私藏链接（仅存本机）。Curated sites for studying, immigrating & living abroad. ☆ save favorites or add your own links (stored locally only).
落地准备清单 + 成本沙盘Landing Checklist + Cost Sandbox
不是零散攻略。按国家/身份/城市动态生成落地 7 天该做什么、花多少钱、漏了有什么后果。Not scattered guides. Dynamically generate what to do in the first 7 days, how much it costs, and consequences of missing steps — by country, status, and city.
选择条件后点击"生成清单"Select conditions and click "Generate Checklist"
回流决策计算器Return Decision Calculator
把税率、薪资增速、房租、汇率、教育切换成本全部量化，对比「现在回 / 再留几年回 / 一直留」三个场景，不凭感觉做决定。Quantify taxes, salary growth, housing, FX and switch costs — compare "return now", "stay a few more years", and "stay 30 years" side by side.
当前国（海外）Current Country (Overseas)
回国（中国）Return (China)
收入、生活、住房全部按「税后」计。模型为简化估算，未含房产增值、通胀与折现，仅供横向比较。All figures are after-tax. Simplified model — excludes property appreciation, inflation and discounting. For comparison only.
输入数据后自动计算。Results update as you type.
租房合同审查Rental Contract Review
把合同文字粘进来，本地扫描危险条款：押金、涨租、提前解约、转租、维修责任……不联网、不上传，隐私留在本机。Paste your lease text and scan for risky clauses locally — deposit, rent increase, break clause, subletting, repairs. No upload, fully private.
PDF / 图片请先转成文字再粘贴（macOS 预览、手机相册 OCR 均可）。扫描在浏览器本地完成，文件不会上传。For PDF / images, extract the text first (macOS Preview / phone OCR). Scanning runs locally — nothing is uploaded.
中文翻译件Chinese Translation
粘贴合同文本，点击"扫描条款"开始。Paste the lease text and click "Scan".
税务义务自查Tax Obligation Self-Check
不知道哪些税务表格该填？几步自检，告诉你 FBAR/FATCA/3520/self-assessment/My Number 是否适用。Not sure which tax forms apply? A few quick steps to check whether FBAR/FATCA/3520/self-assessment/My Number are relevant to you.
填写信息后点击"检查我的义务"Fill in your info and click "Check My Obligations"
社区Community
精选海外华人关心的求职、租房、生活与政策信息，由编辑整理。☆ 收藏常用内容，需要时快速回看。Curated info for overseas Chinese — jobs, housing, life & policy. ☆ bookmark what matters and revisit anytime.
简历优化Resume Optimizer
AI 简历润色、ATS 检测与海外模板——即将上线，敬请期待。AI resume polish, ATS checks and international templates — coming soon. Stay tuned.
我们正在加紧打磨简历优化工具，上线后会第一时间通知你。We're polishing the resume optimizer and will let you know the moment it goes live.
登录行囊Sign in to Satchel
登录后数据云端同步，换设备也能用Sync your data to the cloud, available on any device
设置Settings
账户信息Account Info
偏好Preferences
通知Notifications
手机推送（ntfy.sh）Phone Push (ntfy.sh)
电脑开着行囊时，把课业逾期、国内服务该查等事项推送到手机。手机装 ntfy 应用（App Store / Play 搜 "ntfy"）后订阅下方同一个主题即可。While Satchel runs on your computer, push overdue coursework and service items to your phone. Install the ntfy app and subscribe to the same topic below.
数据备份Backup
你的所有数据（证件、账单、Deadline、资产、清单等）只存在本机浏览器里。定期导出备份，换手机 / 清缓存后一键恢复，数据就不会丢。All your data (documents, bills, deadlines, assets, checklists) lives only in this browser. Export a backup regularly so you can restore after switching devices or clearing cache.
备份是一个 .json 文件，可存到网盘 / 邮箱。导入会覆盖当前数据。The backup is a .json file — keep it in a cloud drive or email. Restoring overwrites current data.
收藏Saved
您保存的工具和计算结果（仅存本机）Your saved tools and results (stored locally)
数据回顾My Data Story
你存下的每一项，回头看都是进展。证件、Deadline、资产、GPA——用过的工具会在这里长出你的数据故事。Everything you track adds up. Documents, deadlines, assets, GPA — the tools you use grow into your data story.