# 财悟-记账也记物

> Integrated personal finance and asset management app with item tracking. (iPhone/iPad app by 子涛 史.)

- Source: https://appshunter.io/ios/app/id6801788635 (this page in markdown: same URL + `.md`)
- Developer: [子涛 史](https://appshunter.io/developer/6799988534)
- Category: Finance, Utilities
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 18.0 · 27 MB
- Languages: American English, Chinese (Simplified, China)
- Released: 2026-09-28
- Data updated: 2026-10-21
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/id6801788635/reviews.md

## What is 财悟?

财悟并非简单的日常记账，我们把「钱」和「物」融为一体，将两者天然打通；
花出去的每一笔钱、买回来的每一件物，都在同一个地方，让您对自己的收支情况和财产状况一目了然。
财悟也始终秉持着简约风格，拒绝花里胡哨、拒绝广告和开屏，数据iCloud同步安全放心，让您专注记账。我们坚信真正的理财不仅是知道钱去了哪，更是清晰地知道你拥有什么。

「核心亮点」
- 钱物一体：不仅能记下每天的收支，还能记录添置了多少物品，并且物品相关账单自动跟着生成。
- 双向追溯：看一件物品，能直接翻到当初的购买记录：什么时候买、花了多少、现在值多少，都在一个页面上。看月度账单，能看到这个月给自己添置了哪些好东西，不再是一串干巴巴的数字。
- 资产一眼看清：一份统计摆出这个月收支多少、净增了多少资产、现有物品总估值多少。最有用的是净增资产：它把花掉的钱和留下的东西放在一起算，比单看结余更接近真实状况。
- 一个分类，两种身份：同一个分类既可以是支出，也可以是收入。卖旧相机走「二手」是收入，买二手镜头走「二手」还是它，不用为同一件事建两个分类来回切。

「账户、物品与分类」
-现金、信用卡、充值账户、投资理财、借入借出，一处管；一笔支出或收入还能由多个账户分摊。
-为每件物品建立档案，使用中 / 闲置 / 退役 / 遗失 / 赠送 / 过期，全生命周期管理。附加费用计入成本，当前价值实时可见；
-内置常用分类图标，开箱即用；支持自定义添加和修改一级 / 二级分类。

「地图、标签与图片」
-记账时自动定位或手动选择消费地点，按月回看消费足迹，点开图钉就看到选择定位的账单。
-账单可打多个标签，分组和配色随心定。
-账单和物品都能上传图片，支持实况照片。

「丰富的统计图表」
-收支汇总可按月度/年度/自定义时间来统计收支结余和资金流转情况。
-资产总览一眼看清资产结构和资产趋势，对个人资产状况一目了然。

「你的隐私，坚如磐石」
- 无广告、无开屏：启动即进入纯净的个人空间，不弹窗、不推送，绝不打扰你的每一次记录。
- 数据本地存放 + iCloud 加密同步：所有数据优先安全存储在本地，开启 iCloud 后无缝跨设备同步。我们不收集任何隐私数据，你的资产信息只有你自己知道。

「极简设计，回归记账本质」
- 摒弃一切不必要的装饰，极简的界面让你专注于记录本身。
- 无需注册账号，打开即用，上手零门槛。
使用条款：https://www.caiwujizhang.com/user_agreement.html

## Key features

- Integrated money and item tracking
- Dual-direction traceability for items and expenses
- Clear asset overview with net increase calculation
- Unified categories for income and expenses
- Comprehensive account management
- Full lifecycle item management
- Map and tag support for transactions
- Rich statistical charts

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Month Member | $0.99 | per month |
| Year Member | $6.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime Member | $19.99 | one-time |


## Is 财悟 safe?

Not enough ratings yet to assess 财悟.

## Is 财悟 legit?

财悟-记账也记物 has limited verification signals. The AppsHunter Legitimacy Score for 财悟 is 58 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (5 of 5)

All indexed reviews: https://appshunter.io/ios/app/id6801788635/reviews.md

### 5/5 — 很好用 很棒 很满意

*2026-10-19*

期待功能的进一步完善

### 5/5 — 评论

*2026-10-14*

酷安看到的，意外的好用

### 5/5 — 新软件

*2026-10-07*

朋友推荐的软件，第一次用。比较简洁，上手还可以，就是有些小bug需要再修复一下，跟进一下。还是会支持的

**Developer response:** 感谢支持！若有BUG可以在APP内我的-建议与反馈进行反馈，我们收到后会尽快修复。

### 5/5 — 好用

*2026-10-07*

给到夯，不用开会员功能都基本够用了

**Developer response:** 感谢支持！财悟的基础功能尽量保证日常的使用，日后也会越来越完善~

### 5/5 — 软件

*2026-10-04*

画面简洁流畅，功能齐全。还在体验中

## Frequently asked questions about 财悟

### Does 财悟 have ads?

No, 财悟 is ad-free and does not display any advertisements or splash screens, ensuring a pure user experience.

### How much does 财悟 cost?

财悟 is free to download and use. It offers optional subscription plans for enhanced features, including a 'Month Member' for $0.99/month and a 'Year Member' for $6.99/year.

### What devices does 财悟 support?

财悟 is available on iPhone and iPad devices, offering seamless data synchronization across your Apple ecosystem.

### How often is 财悟 updated?

The latest version, 1.1.0, was released on October 18, 2026, indicating regular updates to improve functionality and user experience.

### Is 财悟 safe for my financial data?

Yes, 财悟 prioritizes user privacy with local data storage and encrypted iCloud synchronization. It does not collect any personal privacy data, ensuring your financial information remains secure.

### Can I use 财悟 without an account?

Yes, 财悟 requires no account registration. You can open and start using the app immediately, making it very accessible.

### What are the benefits of the subscription plans for 财悟?

Subscription plans offer access to premium features. The 'Month Member' costs $0.99 per month, and the 'Year Member' is $6.99 per year, providing enhanced functionality for dedicated users.

### How does 财悟 handle different transaction types?

财悟 allows for unified categories that can serve as both income and expenses. For example, '二手' (second-hand) can be used for selling items (income) and buying used items (expense).

## Version history (last 5 releases)

### 1.1.0 — 2026-10-18

新增物品组合：可为每件物品设置组合，同组物品会在首页合并成一组显示
全面适配深色模式，优化显示效果

### 1.0.6 — 2026-10-15

新增
• 信用卡账户页面支持显示账单信息
• 新建/编辑物品页面支持设置封面

优化
• 新建/编辑物品页面优化，填写更直观
• 优化信用卡详情页金额显示
• 优化微信、支付宝账单导入，识别更精准
• 若干细节优化与体验改进

修复
• 若干问题修复

### 1.0.5 — 2026-10-13

新增
• 底部导航支持自定义页面顺序，账户与物品可按需关闭
• 新增预算分析页，点击首页预算卡片可跳转
• 账户新增长按拖动排序，移除侧滑排序
• 完善信用社、农商银行类银行图标
• 导入模板新增填写说明，逐列解释各字段的写法

优化
• 导入导出支持优惠券与手续费按账户分摊，账户识别更准确
• 非在役物品显示使用成本；排序增加按使用成本排序
• 优化新增银行卡页面的搜索能力
• 若干细节优化与体验改进

修复
• 若干问题修复

### 1.0.4 — 2026-10-10

新增
• 物品封面「网络搜图」支持百度 / 搜狗 / Pixabay 多图源切换
• 物品列表支持长按快捷操作
• 会员中心新增「兑换优惠代码」入口

优化
• 组合支付扩展到退款、借入借出、收款、还款和物品卖出，手续费支持按账户分别设置
• 若干细节优化与体验改进

修复
• 信用卡账户的余额走势不正确
• 导入账单时组合账单的账户分摊信息会丢失
• 若干问题修复

### 1.0.3 — 2026-10-05

新增
· 物品封面新增「3D 图标」和「网络搜图」

优化
· 应用锁改用系统能力：长按桌面图标选「需要面容 ID」即可，App 内不再需要单独设置
· 优化新建/编辑物品的数据填写流程

修复
· 新设备登录 iCloud 后标签分组不显示
· 新用户默认账本出现延迟

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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 2026-10-21.*