4. Google Antigravity（AI原生开发平台）
Фото: IMAGO/Lauri Heino / Global Look Press
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Other platforms take a strictly analytical approach. Monarch Money has an integrated AI assistant that lets you query deep, multi-year transaction histories using natural language. You can ask it to surface spending patterns, optimize tax strategies, explain ETFs, or project net worth trajectories. Unlike Cleo, Monarch operates entirely as an advisor — it will analyze the data, but it won't autonomously move money or make trades on your behalf.，更多细节参见搜狗输入法2026
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