# 挖财记账-AI自动记账 — 智能秒记，自动生成报表，存钱省钱快人一步

> AI-powered expense tracker with automatic import, budgeting, and financial reporting. (iPhone/iPad app by Hangzhou Yuancai Technology Co.,Ltd..)

- Source: https://appshunter.io/ios/app/ai/id1544045905 (this page in markdown: same URL + `.md`)
- Developer: [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.60/5 from 243 App Store ratings · 89 written reviews indexed
- Age rating: 9+
- Requires: iOS 12.5 · 167 MB
- Languages: Chinese (Simplified, China), Chinese (Traditional, Taiwan), American English
- Released: 2020-12-13
- Data updated: 2026-09-03
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/ai/id1544045905/reviews.md

## What is 挖财记账?

AI智能导入，快速开始管理账单，微信、支付宝、银行等一键导入，立即体验满血的账单管理服务。
快捷指令自动记账，消费后双击记账，简单又有趣！
“钱花哪儿”一清二楚，省钱存钱从现在开始！

【功能特色】
1、AI智能记账
- 语音快捷指令：用Siri唤起“挖财语音记账”或者自定义唤出方式，智能语音记账
- 识屏快捷指令：微信、支付宝消费后，打开账单页，轻敲手机背后马上记账
- 批量智能导入：微信、支付宝、银行等excel账单，一键导入，智能分类
- 周期自动记账：水电煤、公积金等定期按时入账，不必担心漏记

2、手动记账
- 类型丰富：支出、收入、转账、借贷、报销、退款账单全面支持
- 智能学习，遵循操作习惯，越用越顺手
- 速记模板，提前预设记账模板，秒记无压力

3、多人共享账本，多端实时同步
- 适合个人、家庭记账、生意合伙、团队项目等多场景共享
- 免费云备份，多端实时同步，换手机登录同账号，自动同步，数据无忧

4、全面的账单管理
- 账单明细：12个统计维度，支出、收入、转账、借贷、报销、退款等多种账单一处管理
- 日历账单：4种账单日历，每日收支一目了然，漏记补账方便快捷
- 账单搜索：输入关键词，快速检索各类型账单，轻松定位
- 超多报表：29种报表，多维度的报表帮你追踪花销流水

5、资金计划管理
- 覆盖信用卡还款、房租、水电、借贷还款等多种待办事项
- 快速统计未来某段时间的固定开支总金额，帮助管好现金流
- 可靠的提醒服务，重要款项不错过

6、资产负债
- 资产管理：管理资产和负债，“钱在哪儿”一目了然
- 信用卡管理：管理免息期、信用额度等，“羊毛”要薅到就是赚到
- 账户账单页，逐条账单对账，信息清晰明了

7、预算目标
- 支出、收入、结余都可独立设置预算目标，存钱省钱都满足
- 全部、年、季、月、周、日多周期预算，想管多细有多细
- 类别、成员、标签、商家等可设置子预算
- 创建一次，下个周期自动延续，管理更简单

8、个性化设置
- 账本封面，首页日历、报表、预算等7大模块定制服务
- 自定义类别、账户图标、个性化标签服务
- 账单列表样式设置等

9、其他特色
- 多币种：出国旅游、生活、工作，方便外币记账
- 数据安全：支持Face ID/指纹解锁账本
- 特色小组件：多样特色小组件，添加到手机桌面美观好用

【会员服务】

1、非连续订阅会员服务：
- 基础会员：年会员，永久会员
- 标准会员：月会员，年会员
- 超级会员：月会员，年会员

2、连续订阅会员自动续费服务：
- 订阅周期：1个月或1年
- 订阅价格：标准会员连续包月、标准会员连续包年、超级会员连续包月、超级会员连续包年
- 您的iTunes账户会在购买确认后立即扣款
- 购买连续订阅会员的帐号，会在每个月到期前24小时，自动在 iTunes 账户扣费并延长1个月或1年会员有效期
- 取消订阅应当在会员服务到期前，提前至少 24 小时完成，否则此订阅将继续有效
- 如需取消订阅，请手动打开手机「设置」， 进入「Apple ID」，选择「订阅」，选择订阅商品取消订阅即可。

服务协议：
1）付费会员服务协议：https://www.yuancaiyun.com/ikebana/contract/1E82B02865773CB8FDB9A16BA1AF1D06   
2）连续订阅会员服务协议：https://www.yuancaiyun.com/ikebana/contract/970407CDD20C17DFB287CA654E93F7C6 
3）个人信息保护政策：https://www.yuancaiyun.com/ikebana/contract/5165EC0CF11AF32B0FE5FD93521BCB39 
4）用户服务协议：https://www.yuancaiyun.com/ikebana/contract/44FADE5EE6670BC7B6528021400E6EF0 

【联系我们】
- 意见反馈：可通过我的-关于-邮箱发送邮件和我们联系
- 如果您喜欢我们的服务，请留下您的好评，让更多人看到我们！您的支持是我们前进的动力！

## Key features

- AI intelligent expense tracking
- Automatic import from WeChat, Alipay, banks
- Voice and screen recognition for quick entry
- Multi-user shared ledgers
- Comprehensive financial reports
- Budget and savings goal setting
- Asset and debt management

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| 标准会员连续包月 | $0.99 | per month |
| 超级会员连续包月 | $1.99 | per month |
| 超级会员连续包年 | $14.99 | per year |
| 连续包年 | $17.99 | per year |
| 标准会员连续包年 | $6.99 | per year |
| 超级会员连续包年 | $14.99 | per year |
| 标准VIP连续包月 | $1.99 | per month |
| 超级VIP连续包月 | $3.99 | per month |
| 连续包年 | $7.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 标准月会员 | $1.99 | one-time |
| 超级月会员 | $4.99 | one-time |
| 标准两年会员 | $9.99 | one-time |
| 超级两年会员 | $24.99 | one-time |
| 免广告年会员 | $1.99 | one-time |
| 超级会员Plus | $24.99 | one-time |
| 标准会员Plus | $9.99 | one-time |
| 基础永久会员 | $3.99 | one-time |
| 18元会员 | $2.99 | one-time |
| 48元会员 | $6.99 | one-time |
| 基础永久会员 | $9.99 | one-time |


## What do users think of 挖财记账?

Overall sentiment: mixed

**Pros**

- 👍 Long-term user loyalty (10+ years)
- 👍 Comprehensive features
- 👍 Good for habit building
- 👍 Data migration from other apps
- 👍 Useful for tracking expenses
- 👍 Clear charts and statistics
- 👍 Convenient for freelance income
- 👍 Supports multiple currencies (historically)
- 👍 Good for personal and family accounts
- 👍 User-friendly interface (historically)
- 👍 Data export functionality
- 👍 Responsive customer support (mentioned by some)
- 👍 Useful for financial self-awareness
- 👍 Good for understanding spending habits
- 👍 Efficient and fast recording
- 👍 Supports custom categories
- 👍 Clear separation of personal/family accounts
- 👍 Good for improving financial literacy
- 👍 Useful for budgeting (when available)

**Cons**

- 🐛 Frequent performance issues (lag, slow)
- 🐛 Data loss/disappearance
- 🐛 Inconsistent calculation errors
- 🐛 Frequent crashes and freezes
- 🐛 UI/UX degradation after updates
- 🐛 Forced updates and old version removal
- 🐛 Loss of previously free features/monetization
- 🐛 Poor network connectivity issues
- 🐛 Ads interrupting user experience
- 🐛 Unintuitive interface changes
- 🐛 Difficulty in editing/managing data
- 🐛 Lack of customization options (colors, icons)
- 🐛 Poorly implemented new features
- 🐛 Inconsistent automatic entry bugs
- 🐛 Unresponsive or unhelpful customer support
- 🐛 Overly complex interface
- 🐛 Loss of specific useful features from older versions
- 🐛 Inability to use certain functions (e.g., photo upload)
- 🐛 Security concerns (e.g., no password prompt)
- 🐛 Inconsistent display of data across versions/platforms

**Commonly reported bugs**

- Data disappearing or showing as blank
- App crashing on startup
- Slow loading times and lag
- Inaccurate calculations for totals and sums
- Automatic ad clicks and redirects
- Screen remains blank upon opening
- Input not displaying immediately after entry
- Recurring transaction bugs
- Login failures and timeouts
- Inability to receive verification codes
- Cash calculation errors after updates
- App not syncing data
- Issues with facial recognition unlocking
- Unable to edit repayment interest
- Periodic account connection issues
- Network instability causing data unavailability
- Opening screen freezes
- Payment interest cannot be changed
- Spending flow calculation errors
- App automatically redirects to other app stores
- Freezing on startup screen
- Screen is blank after entering
- New version not displaying input immediately
- Monthly spending totals are incorrect
- Daily spending totals are incorrect
- Automatic entries for recurring transactions are inconsistent
- App crashes frequently
- Data is lost after updates
- Calculations are incorrect
- App is slow and laggy
- Ads are intrusive
- UI changes are confusing
- Features that were previously free are now paid
- Customer support is unreachable
- Smart customer service is unhelpful
- App not supporting widgets
- Cannot record zero-value transactions
- Icons and colors are not customizable
- User interface is not intuitive
- Unable to edit transaction details easily
- Recurring transaction bugs
- Login failures and timeouts
- Inability to receive verification codes
- Cash calculation errors after updates
- App not syncing data
- Issues with facial recognition unlocking
- Unable to edit repayment interest
- Periodic account connection issues
- Network instability causing data unavailability
- Opening screen freezes
- Payment interest cannot be changed
- Spending flow calculation errors
- App automatically redirects to other app stores
- Freezing on startup screen
- Screen is blank after entering
- New version not displaying input immediately
- Monthly spending totals are incorrect
- Daily spending totals are incorrect
- Automatic entries for recurring transactions are inconsistent
- App crashes frequently
- Data is lost after updates
- Calculations are incorrect
- App is slow and laggy
- Ads are intrusive
- UI changes are confusing
- Features that were previously free are now paid
- Customer support is unreachable
- Smart customer service is unhelpful
- App not supporting widgets
- Cannot record zero-value transactions
- Icons and colors are not customizable
- User interface is not intuitive
- Unable to edit transaction details easily

**Most requested features**

- Adapt dark mode
- Add clear cache function
- Restore 'missed payment' option
- Improve UI/UX to be more like '圈子账本'
- Add tagging for sub-categorization
- Add number formatting with commas
- Add option to edit/customize icons and colors
- Restore monthly budget remaining calculation
- Add ability to edit transaction details more easily
- Improve recurring transaction management
- Add ability to merge/migrate accounts
- Add support for widgets
- Improve search functionality with date ranges
- Add ability to reorder accounts
- Add ability to set custom background colors
- Add facial recognition/password lock for app access
- Improve budget feature with category comparison
- Add ability to split reimbursements
- Add support for multiple currencies and automatic exchange rate updates
- Improve user interface for better clarity and efficiency
- Restore community features for user interaction
- Restore financial management sections
- Add automatic bank/SMS data import
- Add option for partial refunds
- Improve loan/borrowing tracking clarity
- Add ability to set default values for fields
- Add ability to customize transaction entry fields
- Improve handling of zero-value transactions
- Add automatic recommendation for tags/merchants
- Restore ability to search nearby merchants
- Add ability to set default account for new transactions
- Add option to customize transaction entry interface
- Add ability to view historical data by month/year easily
- Add ability to adjust account name length limits
- Add ability to manage recurring transactions in a central place
- Add ability to select currency for new accounts
- Add ability to view account details by currency
- Add ability to customize transaction entry fields
- Add ability to set default account for new transactions
- Add ability to customize transaction entry interface
- Add ability to view historical data by month/year easily
- Add ability to adjust account name length limits
- Add ability to manage recurring transactions in a central place
- Add ability to select currency for new accounts
- Add ability to view account details by currency

## Recent user reviews (10 of 89)

All indexed reviews: https://appshunter.io/ios/app/ai/id1544045905/reviews.md

### 1/5 — 完全没有用的ai，又卡顿又占画面空间

*2026-07-29*

完全没有用的ai，又卡顿又占画面空间

### 3/5 — 最近速度超级慢

*2026-03-03*

已经用了1333天了，一直都很喜欢。但是最近速度超级无敌慢。保存要半天，打开账户查看要半天。重新打开只能解决一小会，马上又卡住了。我是付费会员，能不能更新一下你们的服务器啊球球了

### 1/5 — 数据莫名消失

*2026-02-14*

以前还挺好用的，感觉开发团队也有在用心的升级一些功能。但最近一次升级后简直难用到爆炸。历史数据经常处于空白的状态，等很久数据也不出来，退出重启数据也不会出来，体验真的太差了。希望开发团队能赶紧修复这个bug

### 5/5 — 已使用4567 天，挖财的前世今生都经历过

*2025-12-17*

很好

### 5/5 — 这个软件真是太棒了，

*2025-12-12*

团队很重视用户体验，用户反馈的都有重视，希望继续保持。并且功能很全面，非常推荐。已经充了会员了，会长期支持

### 1/5 — 反向升级！！！警惕

*2025-12-06*

我是挖财十多年老用户了，这一次升级了不少吧    可是，太难用了，卡顿，掉帧，反应慢，静态界面看起来更好了更新了。
可是整体反应非常的拖沓和延迟。
令我实在无法用下去，如此反向升级，我想不是我一个人反馈吧！！！

**Developer response:** 您好，非常抱歉给您带来不好的体验，13.0.3版本已修复此问题，请到各大市场下载更新一下最新版本

### 1/5 — 广告自动点击以及诱导点击

*2025-11-19, version 12.1.0*

软件内广告在没有点击的情况下会自动点击，并跳转，还有诱导点击的情况

### 3/5 — 週期帳常常連不到

*2025-10-04, version 12.0.0*

如題  請快點修正

### 3/5 — 常常連線不穩

*2025-09-25, version 12.0.0*

使用了10幾年…但是現在連線常常不順，以前即使沒網路也能看資產，現在都不行，再加上常常連線不穩所以看不到，覺得很困擾

### 4/5 — 能不能适配下dark mode？

*2025-04-17*

软件很不错，很贴合我的使用需求，就是要是能适配下dark mode就好了

## Frequently asked questions about 挖财记账

### What does this app do?

This app uses AI to automate expense tracking. It allows you to import transactions from various sources like WeChat, Alipay, and banks, set budgets, and generate detailed financial reports to understand your spending and save money.

### What are the key features of this app?

Key features include AI-powered automatic import of bills, voice and screen recognition for quick manual entry, multi-user shared ledgers, comprehensive financial reports, budget and savings goal setting, and asset/debt management.

### How much does this app cost?

The app offers a freemium model. While basic features are free, there are various subscription tiers (Basic, Standard, Super) available for advanced features and services, with options for monthly and annual plans.

### Is this app compatible with my device?

The app is designed for mobile devices. Specific compatibility details, such as supported operating systems (iOS/Android) and versions, are typically found on the app store listing.

### What are common use cases for this app?

Common use cases include managing personal or family budgets, tracking business expenses, monitoring spending on shared projects, setting and achieving savings goals, and gaining a clear overview of assets and liabilities.

## Version history (last 5 releases)

### 13.1.3 — 2026-08-23

1、账户、类别、商家、成员等名称字数上限提升至40字，记录更详尽
2、记一笔选择账户，常用账户支持“折叠/展开”，查找更高效
【限时福利：天天登录领AI积分】
每日登录App即可自动获得免费AI积分，让你的AI助手天天满血复活。

### 13.1.2 — 2026-08-13

AI助手升级：
1、消费决策分析全新上线
和你一起判断该不该花、替代方案，必要时及时劝退
2、智能账单分析功能升级
帮你理清分析思路，全面洞察收支情况，提供温和可行的优化建议
3、首页AI助手支持设置关闭
【限时福利：天天登录领AI积分】
每日登录App即可自动获得免费AI积分，让你的AI助手天天满血复活。

### 13.1.1 — 2026-08-11

1、AI助手账单卡片支持显示账户，账单更清晰
2、新增截图分享到挖财，自动识别图片记账
3、快捷自动记账解决退款金额显示问题
【限时福利：天天登录领AI积分】
每日登录App即可自动获得免费AI积分，让你的AI助手天天满血复活。

### 13.1.0 — 2026-07-27

记账体验新升级，AI记账更轻松
1、AI记账入口焕新
首页新增AI记账入口，打开App即可快速开启AI记账，记账流程更简单。
2、AI账单识别能力升级
支持AI账户识别、转账识别，账单信息识别更完整，减少手动调整。
3、AI账单编辑更便捷
AI生成账单卡片支持直接编辑，发现问题随手改，记账效率再提升。
【限时福利：天天登录领AI积分】
每日登录App即可自动获得免费AI积分，让你的AI助手天天满血复活。

### 13.0.18 — 2026-07-21

【AI升级：双重升级，限时福利！】
AI新升级：原“AI流量包”正式升级为全新的 “AI积分” 体系，额度查看更清晰，使用更灵活。
能力升级：账单导入识别引擎全面进化，识别更准确！响应更迅速！复杂账单快速厘清！
限时福利：每日快捷记账可用次数大幅增加，记账更尽兴！

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All apps by Hangzhou Yuancai Technology Co.,Ltd.: https://appshunter.io/developer/1716886102

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*