# ZhiJi AI-Smart Expense Tracker — Smart Insights · Multi-Book

> Smart Insights · Multi-Book (iPhone/iPad app by 栓宝 李.)

- Source: https://appshunter.io/ios/app/zhiji-ai-smart-expense-tracker/id6760891467 (this page in markdown: same URL + `.md`)
- Developer: [栓宝 李](https://appshunter.io/developer/1885480000)
- Category: Finance
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 17.0 · 10 MB
- Languages: American English, Japanese, Korean, European Spanish, Chinese (Traditional, Taiwan)
- Released: 2026-04-19
- Data updated: 2026-09-10
- User reviews in markdown: https://appshunter.io/ios/app/zhiji-ai-smart-expense-tracker/id6760891467/reviews.md

## What is ZhiJi AI?

ZhiJi AI — Your Personal Smart Expense Tracker

【Quick Recording, Multiple Ways】
• Quick Entry: Amount + category in one tap, done in 3 seconds
• Voice Recording: Say "lunch cost 35", AI auto-parses amount and category
• Photo Recording: Snap receipts/bills, OCR auto-recognition
• Recurring: Rent, salary and other fixed transactions, auto-recorded

【AI Smart Assistant】
• Natural language chat, check spending anytime
• AI Spending Insights: Discover patterns and saving opportunities
• Spending Persona: Understand your spending style
• Financial Health Score: Comprehensive financial assessment
• AI Budget Suggestions: Personalized budgets based on your habits

【Multi-Dimension Analytics】
• Day/Week/Month/Quarter/Year statistics
• Pie & bar charts for spending distribution
• Year-over-year and month-over-month trends
• Category rankings at a glance

【Budget Management】
• Monthly total + category budgets
• Real-time progress, instant over-budget alerts
• AI smart budget suggestions

【Multi-Account & Multi-Book】
• Multiple accounts (cash, bank card, Alipay, etc.)
• Transfer records between accounts
• Multiple books: family, personal, travel
• CloudKit shared books for family collaboration

【Cross-Platform Experience】
• iPhone + iPad adaptive layout
• Apple Watch quick recording + budget view
• Home Screen Widget for monthly overview
• Dynamic Island for real-time recording display
• Siri Shortcuts for voice quick entry

【Data Security & Export】
• Local storage with iCloud sync
• Face ID app lock for privacy
• CSV / PDF export for backup
• Multi-currency support

Privacy First: All data stored on your device and iCloud. We cannot access your financial data.

---Pro subscription unlocks all premium features:
• Monthly: $0.99/month (3-day free trial)
• Annual: $5.99/year (3-day free trial)
• Lifetime: $19.99
Auto-renewable subscription. Cancel anytime in system settings.

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Monthly Pro | $1.99 | per month |
| Annual Pro | $12.99 | per year |

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Lifetime Pro | $39.99 | one-time |



## Version history (last 1 release)

### 1.0 — 2026-04-19

No release notes.

## Apps similar to ZhiJi AI

| App | Rating | Price | Category |
| --- | --- | --- | --- |
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## Related topics

[zhiji](https://appshunter.io/ios/topics/zhiji)

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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 2026-09-10.*