# 咔比荷包-搭子AI记账存钱打卡心愿 — AI智能记账&无痛攒钱

> AI-powered personal finance tracker for individuals and couples. (iPhone/iPad app by 重庆皮皮喵喵科技有限公司.)

- Source: https://appshunter.io/ios/app/ai/id6630370989 (this page in markdown: same URL + `.md`)
- Developer: [重庆皮皮喵喵科技有限公司](https://appshunter.io/developer/1762355269)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 4.10/5 from 7 App Store ratings · 32 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 205 MB
- Languages: American English
- Released: 2024-09-04
- Data updated: 2026-08-31
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/ai/id6630370989/reviews.md

## What is 咔比荷包?

咔比荷包是一款单人/双人记账存钱App
AI记账，让记账充满乐趣，活人感满满，让你无痛养成记账好习惯。
通过自动记账、AI自动复盘，让你告别糊涂账，实现财富目标。
双人一起使用还可以拥有共同账本，记录每笔支出和收入。
创建存钱计划一起达成攒钱目标，让彼此收获财务与关系的双重自由。

【VIP会员订阅说明】
-订阅周期：1个月、3个月、12个月。
-订阅价格：连续包月产品为双人每月15元，单人每月9.9元；连续包季产品为双人每季度38元，单人每季度28元；连续包年产品为双人每年98元，单人每年68元。
-付款：通过用户的iTunes账户扣款，用户确认购买后即付款。
-取消续订：如需取消续订，请在当前订阅周期到期前24小时以前，手动在iTunes/AppleID设置管理中关闭自动续订功能。
-续订：苹果iTunes账户会在到期前24小时内扣费，扣费成功后订阅周期顺延一个订阅周期。
-订阅可以由用户自主管理，并且可以随时在购买后在用户的账户设置里关闭自动订阅。

隐私政策：https://xcvc766uxt.feishu.cn/docx/QZEAdp6fioaG0gxz1jycpKdDnEf?from=from_copylink
用户协议：https://xcvc766uxt.feishu.cn/docx/LqcndgGHOodvKcxXReVcqgYCnkd?from=from_copylink

## Key features

- AI-powered expense tracking
- Effortless habit building
- Automated financial review
- Shared accounts for couples
- Joint savings goal planning
- Personalized financial goals

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| 双人连续包年 | $14.99 | per year |
| 单人连续包月 | $0.99 | per month |
| 双人连续包月 | $1.99 | per month |
| 双人连续包季 | $4.99 | per 3 months |
| 双人连续包年 | $14.99 | per year |
| 双人连续包年 | $12.99 | per year |
| 双人连续包月 | $1.99 | per month |
| 单人连续包月 | $0.99 | per month |
| 双人连续包年 | $9.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 双人三年VIP会员 | $22.99 | one-time |
| 365天打卡挑战 | $12.99 | one-time |


## Recent user reviews (10 of 32)

All indexed reviews: https://appshunter.io/ios/app/ai/id6630370989/reviews.md

### 2/5 — 越优化越不行了

*2026-06-16*

之前有好多功能的 现在功能越来越少 比如说月总结分析报告 快点回归啊不然就换软件了

### 1/5 — 广告弹窗

*2026-03-24*

摇一摇广告整改的时候咋就给你这个app落下了呢？规定不允许在打开界面有晃动手机就跳转广告的东西，赶紧改，否则弃坑。

### 1/5 — 经常卡顿，登不上

*2026-03-05*

经常出现卡顿，没办法记账，和网络没有关系。有时候还会一连几天登陆不上去，客服回复非常慢，经常会拖延几天才回。千万不要充钱！！！客服根本不会解决问题，只会拖延。态度也非常差。

### 1/5 — 无语

*2026-02-23*

用这个跟搭子记了几个月 今天搭子注销账号了 我这边无法记账 必须开会员才能单人记账或者再有一个搭子 找了一个新搭子之后之前的记账记录全没了 呵呵

### 3/5 — 定时记账到底要怎么用

*2026-01-12*

定时记账过几天后发现有东西想修改，不管怎么样都没办法改了…一问就是“开始日期不是今天”。但就算改到当天也不让我修改是什么意思？很失望。明明算是个不错的双人记账软件的。以及国外ip不知道为什么wifi情况下无法记账，必须切流量才行

### 1/5 — 闪退

*2026-01-11*

总是闪退，烦死了

**Developer response:** 非常抱歉给宝子带来了不好的体验，宝子可以在「我的-意见反馈」中找我们客服的联系方式，我们将会1对1解决你的问题～

### 1/5 — 别下载

*2025-12-03*

之前自定义类目不需要会员现在还得会员
什么都需要会员 广告一堆

**Developer response:** 宝子，自定义类目功能是所有用户都可以免费创建5个，若需要创建更多的自定义类目可以通过开通VIP会员或通过积分免费兑换普通会员继续创建的哦～

### 5/5 — 许愿功能

*2025-11-22*

两人之间经常会为对方付款，如果自己的支出里能看出来哪些是需要对方付一半的就好了。或者共同付款可以分别显示在个人账单里吗

**Developer response:** 感谢宝子对咔比荷包的认可和支持！宝子提出的这个建议我们已经反馈给产品团队讨论研究啦～

### 1/5 — 收费，快跑

*2025-11-22*

冲着AI记账去的，才记了3笔就提示开会员继续使用，而且没有宣传的那么有趣，还是人机回复

### 3/5 — 万物还是要花钱

*2025-11-05*

本来以为ai对话是这个软件的特色，刚刚下载完使用是很新奇，很有效，但是突然提醒我需要充值 按条收费………还是选择普通记账了哈哈哈

**Developer response:** 感谢宝子对AI聊天功能的认可！为了打造更好的用户体验，我们AI聊天接入的也是最贵最好的大模型！但关于费用宝子可能有点误会呢，我们是积分免费兑换AI聊天才是次数限制，充值会员是按照时间来的哦，开通会员成功后是可以无限次畅聊AI的～

## Frequently asked questions about 咔比荷包

### What is 咔比荷包?

咔比荷包 is an AI-powered app designed for both individual and dual-person use, focusing on making expense tracking enjoyable and effortless. It helps users build good financial habits and achieve their savings goals through automated features and collaborative planning.

### How does 咔比荷包 help with saving money?

咔比荷包 facilitates saving money by allowing users to create personalized savings plans and track progress towards their financial goals. For couples, it offers shared savings plans, enabling them to work together towards common objectives and achieve financial freedom.

### Can 咔比荷包 be used by couples?

Yes, 咔比荷包 is specifically designed for couples, offering a shared account feature to track joint income and expenses. Couples can also create and manage shared savings plans together, fostering financial collaboration and relationship growth.

### What are the subscription options for 咔比荷包?

咔比荷包 offers VIP subscriptions for 1, 3, and 12 months. Pricing varies for single users and couples, with options like a monthly subscription for individuals at ¥9.9 and for couples at ¥15, and annual plans for individuals at ¥68 and couples at ¥98.

### How do I cancel my 咔比荷包 subscription?

To cancel your subscription, you need to manually disable auto-renewal in your iTunes/Apple ID settings at least 24 hours before your current subscription period ends. Subscriptions can be managed by the user and auto-renewal turned off at any time after purchase in account settings.

### Is 咔比荷包 secure?

While the provided data does not detail specific security measures, the app's privacy policy and user agreement are available for review at the provided links. Payment processing is handled through the user's iTunes account, which adheres to Apple's security standards.

### How often is 咔比荷包 updated?

The latest version of 咔比荷包 is 3.4.2, which was last updated on March 19, 2026. This indicates a relatively recent update, suggesting ongoing development and maintenance.

### What devices does 咔比荷包 support?

咔比荷包 is available on iPhone and iPod devices. It has an age rating of 4+, making it suitable for a wide range of users.

## Version history (last 5 releases)

### 3.5.4 — 2026-07-29

1.优化了一些问题

### 3.5.3 — 2026-07-28

1.优化了一些问题

### 3.5.2 — 2026-07-09

1.优化了一些内容

### 3.5.0 — 2026-07-01

1.优化了一些内容

### 3.4.8 — 2026-06-18

1.优化了一些内容

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All apps by 重庆皮皮喵喵科技有限公司: https://appshunter.io/developer/1762355269

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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 2026-08-31.*