# 妙记账:极限存钱 — 自动记账 账单提醒 预算管家 极限存钱攒钱

> Simple money manager and expense tracker for personal finance management. (iPhone/iPad app by Appactively Inc.)

- Source: https://appshunter.io/ios/app/id6503676346 (this page in markdown: same URL + `.md`)
- Developer: [Appactively Inc](https://appshunter.io/developer/1723292162)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 17+
- Requires: iOS 17.0 · 43 MB
- Languages: Russian, Indonesian, Turkish, German (Germany), Italian, Japanese, French (France), Chinese (Simplified, China), American English, European Portuguese and 3 more
- Released: 2024-08-06
- Data updated: 2026-07-22
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/id6503676346/reviews.md

## What is 妙记账?

妙记账是一款简单好用的记账软件和理财助手，覆盖日常记账、预算管理、远期账单、存钱目标、桌面小组件和资产分析。它把支出、收入、预算、计划账单、账户余额、现金流和个人存钱进度放在一个清楚的账本里，让每一次用钱决定都有记录可依。

适合这些场景：
- 每天快速记录支出和收入，保留清楚的消费轨迹
- 用预算约束月度开销，及时看到已用、剩余和收支变化
- 把房租、订阅、还款、计划支出等远期账单提前放进日程
- 用更细的二级分类拆分餐饮、交通、收入等记录
- 在首页和分析页查看概览、分类、账户、资产与现金流分析
- 在独立分析页比较净资产、总资产、负债、趋势、货币和排行明细
- 把“记一笔”和“存钱目标”小组件放到桌面
- 在个人中心管理主题、语言、货币、预算入口、小组件和常用偏好

妙记账关注的是长期可坚持的财务习惯：记录发生了什么，提前看见将要发生什么，跟进存钱目标，再用预算和分析提醒自己做选择。无论你是学生、刚工作，还是正在认真控制开销，都可以用它建立更稳的个人账本。

订阅说明：
- 确认购买后，将通过你的 Apple ID 账户扣费。
- 订阅会自动续订，除非你在当前周期结束至少 24 小时前取消。
- 账户将在当前周期结束前 24 小时内扣取续订费用。
你可以在 App Store 账户设置中管理或取消订阅。
用户协议：https://privacy.amiao.studio/terms.html
隐私政策：https://privacy.amiao.studio

## Key features

- Auto-log daily spending
- Plan and track bills
- Monitor subscriptions
- Set monthly budgets
- Clear personal ledger
- Transaction history
- Financial analysis

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly | $0.99 | per month |
| Yearly | $1.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime | $4.99 | one-time |


## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/id6503676346/reviews.md

### 1/5 — 套路深

*2026-06-03*

先本地限免，再更新版本开订阅😅

**Developer response:** 我什么时候限免了

### 4/5 — 没法购买Pro啊作者

*2026-06-03*

点击无法购买Pro版

**Developer response:** 谢谢你已修复

### 5/5 — 暂时没有广告，简洁

*2026-05-13*

界面干净简洁，操作简单快捷，不会像其他的软件花里胡俏，希望能维持下去。

**Developer response:** 感谢留言

### 4/5 — 与软件功能描述不一致

*2026-05-07*

请问写的是有存钱记账功能，可实际上却没有这功能呢？

**Developer response:** 感谢反馈，已上线

### 4/5 — 并没有看到什么存钱法的功能

*2025-05-30*

没有看到什么其他功能啊，而且也没发现账号

**Developer response:** 感谢留言，现已上线欢迎试用

## Frequently asked questions about 妙记账

### How does MagicBook help with budgeting?

MagicBook allows you to set monthly budgets and tracks your spending against them. You can easily see how much has been used and how much is remaining, providing context for your spending choices.

### Can MagicBook track recurring expenses like subscriptions?

Yes, MagicBook is designed to track subscriptions and other planned future bills such as rent and repayments. This helps you stay on top of your financial commitments.

### What kind of financial analysis does MagicBook offer?

MagicBook provides an overview, category, and account analysis directly from the home screen. This helps you understand your cash flow and spending patterns.

### Is MagicBook free to use?

MagicBook is free to download and use, with optional subscription plans for advanced features. A free trial is available for the yearly subscription.

### What are the subscription options for MagicBook?

MagicBook offers monthly subscriptions at $0.99 and yearly subscriptions at $1.99, which includes a 3-day free trial. Payments are charged to your Apple ID and subscriptions renew automatically.

### How can I manage or cancel my MagicBook subscription?

You can manage or cancel your subscriptions directly within your App Store account settings. Ensure cancellation occurs at least 24 hours before the end of the current billing period.

### What devices is MagicBook available on?

MagicBook is currently supported on iPhone devices. The latest version is 2.2.3, updated on June 10, 2026.

### Does MagicBook have ads?

No, MagicBook does not contain advertisements. It is ad-free, allowing for an uninterrupted financial tracking experience.

## Version history (last 5 releases)

### 2.3.1 — 2026-07-20

This update completes localization across MagicBook and improves saving plans, widgets, and Apple Watch.

- Fixed cases where Chinese text could appear in English and other non-Chinese interfaces.
- Completed 12 language packs for saving goals, analysis, Shortcuts, widgets, and Watch.
- Improved long-text layout in saving guidance.
- Refined dynamic amount and statistics text on widgets and Watch.
- Improved overall stability.

### 2.3.0 — 2026-07-07

This update focuses on clearer asset analysis for accounts, budgets, bills, and saving goals.

- Added a dedicated asset analysis page with monthly, quarterly, and yearly views.
- Added overview, structure, trend, flow, goal, currency, and ranking sections for deeper money review.
- Improved the connection between the Home analysis entry and the full analysis page.
- Refined amount privacy, empty states, and multi-currency rows so financial data stays easier to scan.
- Cleaned up analysis page hierarchy for a calmer review flow.

### 2.2.3 — 2026-06-10

This update adds home screen widgets so daily expense tracking and saving goals stay closer to your everyday money routine.

- Added a Quick Record widget that opens the new transaction screen with one tap.
- Added a Saving Goal widget to show your active goal, progress, and next contribution date.
- Added an Add Widgets guide in Profile with previews and setup steps.
- Widget content now refreshes from lightweight snapshots for today's ledger summary and saving goals.
- Improved widget links into record creation, saving plans, and goal details, with useful empty states when no data is available.

### 2.2.2 — 2026-06-08

This update focuses on extreme saving guidance and a smoother launch experience for budgeting, bill planning, and daily expense tracking.

- Added lightweight full-screen onboarding for extreme saving so new users can create a practical saving plan faster.
- Added a quieter entry path for existing users, so you can explore extreme saving after your ledger is already set up.
- Improved launch prompt coordination for update reminders, onboarding, and purchase entry points.
- Refined update reminder behavior to reduce repeat prompts and make important version changes clearer.
- Fixed several UI handoff and saved-state details.

### 2.1.1 — 2026-06-03

This update makes MagicBook a faster, steadier money manager and expense tracker.
- Smoother daily tracking when you log spending and income
- More reliable bill reminders for rent, subscriptions, and repayments
- Cleaner monthly budget views with clearer cashflow at a glance
- Refined category, planner, and analysis screens
- Stability fixes across the personal finance ledger and Saving Pro flow
Thanks for using MagicBook. Keep saving.

## More apps by Appactively Inc

- [YESTODO](https://appshunter.io/ios/app/yestodo/id6475074857)
- [RESPIRE:FlipClock](https://appshunter.io/ios/app/respireflipclock/id6475659394)
- [MediMemo:FamMedRec&MedReminder](https://appshunter.io/ios/app/medimemofammedrec-and-medreminder/id6502572063)

All apps by Appactively Inc: https://appshunter.io/developer/1723292162

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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 2026-07-22.*