Comparison

SpendSay vs 麻布記帳

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SpendSay

Effortlessly track expenses using voice commands or by scanning receipts. This app automatically categorizes your spending, helps you set budgets, and provides insightful reports. Share ledgers with others and enjoy secure cloud backup for your financial data.

Highlights
  • Voice-powered expense entry
  • E-invoice and barcode scanning
  • AI smart auto-categorization
  • Itemized receipt categorization
  • Budget setting and alerts
  • Spending reports and peer comparison
  • Shared ledgers
Features
Read full description

"Say what you spent — SpendSay sorts it for you." A patented, voice-powered expense tracker that makes bookkeeping fast, fun, and easy. (Voice-bookkeeping patent No. M524542) https://www.facebook.com/halamoney.tw/ Questions? Email halamoney.tw@gmail.com or message our Facebook page — we'll help as soon as we can. Completely redesigned for a cleaner, faster experience. Key features: 1. Voice entry (patented) No need to stare at your screen — tap the mic and say a sentence. SpendSay records the amount and auto-categorizes it. Works in English and Chinese, and even recognizes the date you say. 2. E-invoice scan / carrier-barcode import, auto-categorized Scan an e-invoice QR code or import your phone carrier barcode — the store name, amount, and category are filled in for you. 3. AI smart auto-categorization (Premium) Thousands of built-in rules sort each expense automatically; Premium adds AI categorization that gets smarter the more you use it. 4. Every item, clearly sorted One receipt with different product types? SpendSay categorizes each item separately, so every entry is crystal clear. 5. Budgets Set an overall monthly cap and per-category budgets, with live spent amounts, progress bars, and over-budget alerts. 6. Reports & peer comparison Category, monthly, and trend reports — plus compare your spending with all SpendSay users to find where you can save. 7. Invoice lottery Last-3-digit matching, auto-checking, win notifications, and e-invoice detail editing. 8. Shared ledgers Share your books with family and friends and save together — "bookkeeping is better with company!" 9. Free cloud backup Your data is backed up to the cloud for free — switch phones or reinstall without losing a thing. More handy features: - Tags: add multiple tags to any entry for easy lookup. - Recurring entries: quickly log regular income and expenses. - Multi-currency: set a base currency and change the currency per entry. - Home-screen widget: log expenses or import invoice barcodes without opening the app. - Passcode / biometric lock: keep your finances private. - Themes: choose from multiple looks. - Search: quickly find past transactions. - Custom month start day: keep your bookkeeping flexible. - Category ordering: put frequently used categories on top. - Data export: export to CSV for analysis in Excel and more. Terms of Use (EULA) — standard Apple Terms of Use https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy https://halamoney.com/privacy.html Auto-renewable Premium subscription Premium unlocks AI auto-categorization, an ad-free experience, and more. - Monthly: NT$80 / month - Annual: NT$860 / year - Payment is charged to your iTunes account upon confirmation of purchase. - To cancel, turn off auto-renew in your iTunes/Apple ID settings at least 24 hours before the current period ends. - Renewal: your Apple iTunes account is charged within 24 hours before the period ends and then extends by one billing cycle.

About

麻布記帳

Effortlessly track expenses and manage all your assets in one place. This app automates spending updates from banks and payment methods, provides insightful spending analysis, and offers personalized financial advice to help you achieve financial freedom.

Highlights
  • Automated expense tracking from banks and payment methods
  • Comprehensive asset management (bank accounts, funds, crypto)
  • Insightful spending analysis and budgeting
  • Bill and credit card payment reminders
  • Personalized financial advice and credit score calculation
  • Cloud storage for data security
  • Joint account functionality
Read full description

麻布記帳 Moneybook 是最智能的理財記帳 APP,讓大家花最少時間記帳,就能洞察消費狀況!還有全方位資產管理功能,輕鬆成為財務管理大師! ▼ 不用動手就能記帳 ▼ ※ 懶人必備自動記帳神器 ※ 34 家銀行信用卡消費一鍵更新,每天花 1 秒就能紀錄每筆支出! ※ 人人可用的發票記帳功能 ※ 匯入發票記帳或個別品項記帳,不用動腦回想白天花了哪些錢。 ※ 所有消費一刷自動記帳 ※ 悠遊卡、LINE Pay、街口綁卡一刷就記帳,掌握每筆收支。 ※ 手動記帳共同記帳沒問題 ※ 保留手動記帳功能,家庭、夫妻、情侶、親友一起記帳沒問題。 ▼ 消費狀況一目了然 ▼ ※ 具洞察力的收支統計分析 ※ 收支自動分類,淨資產長條圖曲線圖即時更新,分析每月花錢比例。 ※ 信用卡額度分期輕鬆掌握 ※ 卡費散落各家銀行怕刷爆?一個介面查看每筆分期,掌握消費狀況。 ※ 行動支付也能管理 ※ 刷卡行動支付花錢如流水?幫你找出消費漏洞,輕鬆省錢存一桶金! ▼ 所有資產一站理財 ▼ ※ 真正的多帳戶與全資產管理 ※ 一個介面整合中信、國泰、台新、玉山、台北富邦 34 家銀行帳戶,還能同步基金、加密貨幣、海外證券,管理所有資產。 ※ 各式帳單到期提醒 ※ 一站管理 34 家信用卡帳單電信費,到期自動提醒,3 秒輕鬆繳費。 ※ 財務通知零時差 ※ 信用卡年費出帳即時通知,用一個 APP 就能了解各銀行帳務狀況。 ※ 發票中獎入帳通知 ※ 全台首創發票獎金入帳馬上通知,雲端發票中獎不怕沒領到錢。 ※ 雲端儲存資料不遺失 ※ 與銀行同步收支明細,雲端儲存安全防護,換手機不用怕遺失。 ▼ 個人化財務建議 ▼ ※ 介面簡潔 ※ 用過會愛上的簡潔介面,只有最適合你的理財分析建議。 ※ 信用評分計算 ※ 超越一般記帳 APP 的預算、債務、信用評分優化建議,還能試算最適合的信貸方案,為你提供理財下一步,邁向自由人生。 ▼ Moneybook 進階版本 ▼ ※ 自動同步所有帳戶 ※ 自訂每日自動同步時段,即時發現待繳帳單、大筆金額異動。 ※ CSV所有資料一鍵匯出 ※ 讓分散在金融機構的個人資料回到手上,想怎麼分析就怎麼分析! ※ 更多的預算數量 ※ 增加預算數量至 8 個,彈性控制各種支出計畫、信用卡回饋消費上限,更有效控制收支狀況 ▼ 除了記帳我們還做了... ▼ ※ 以使用者體驗為核心 ※ 麻布記帳相信每個人都能重新分配財富版圖,我們會持續創造最符合生活情境的個人財務管理服務,與大家一起邁向財富自由。 ※ 金融機構等級的資安防護 ※ 我們依照法規建立金融機構等級的資安系統,有完善加密傳輸與儲存機制,定期進行經濟部工業局 APP 資安檢測,保護您資訊安全。 ※ 開放銀行的政策落實 ※ Moneybook 麻布記帳是台灣 Open Banking TSP 代表業者,我們積極用科技落實台灣開放銀行政策: • 2022/1 通過 ISO/IEC 27701 國際隱私資訊管理系統驗證 • 2020/6 通過經濟部工業局 APP 資安檢測 • 2020/2 通過 ISO/IEC 27001 國際資訊安全管理系統驗證 • 2019/9 與 21 家銀行簽約 Open API 第一階段合作 • 2019/4 進駐金管會金融科技園區 FintechSpace ▼ 更加認識麻布記帳 ▼ ※ 官方網站: https://moneybook.com.tw/ ※ 資安認證: https://moneybook.com.tw/security ※ 關於我們: https://moneybook.com.tw/about-us ※ 資訊安全政策: https://blog.moneybook.com.tw/?p=272 ※ 隱私權政策: https://blog.moneybook.com.tw/?p=2946 ※ 會員使用條款: https://blog.moneybook.com.tw/?p=2935 ▼ 隨時掌握麻布記帳產品動態 ▼ ※ 麻布記帳部落格: https://blog.moneybook.com.tw/ ※ 麻布記帳 Moneybook FB 粉專: https://www.facebook.com/moneybook.com.tw/ ※ 麻布記帳使用交流社群 FB 社團: https://www.facebook.com/groups/moneybook.taiwan/ ※ 客服支援 Email: support+qa@moneybook.com.tw 提醒您,為確保您的帳務安全,建議您於行動裝置安裝防護軟體;惟無法於已破解的行動裝置使用。

Screenshots

SpendSay4 screens
麻布記帳4 screens

Verdict

The call

The clearest difference is ads: SpendSay at none against 麻布記帳's shown. SpendSay also leads on rating (4.8 vs 4.5) and update cadence (every 5 days vs every 3 weeks). 麻布記帳's advantage is review sentiment (88% vs 64%) and ratings volume (57 vs 5). On price, in-app purchases, monetization model and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. SpendSay sells 2 in-app purchases, starting at $2.49 per month and 麻布記帳 sells 2 in-app purchases, starting at $4.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

SpendSay holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: 麻布記帳 has 57 ratings behind it against 5, so its average is the more settled of the two. Written reviews complicate that: 64% of SpendSay's written reviews are positive against 88% of 麻布記帳's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

SpendSay ships an update every 5 days, 麻布記帳 every 3 weeks. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.

Scorecard6 real differences · 4 level
SpendSay versus 麻布記帳: the parameters behind the verdict, then further details
ParameterSpendSay麻布記帳
PriceFreeFree
Rating4.8 (5 ratings) — better4.5 (57 ratings)
Positive reviews64.3% of reviews88.0% of reviews — better
Number of ratings557 — better
Update frequencyEvery 5 days — betterEvery 3 weeks
AdsNo — betterYes
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size100 MB83 MB
Age rating4+4+
DeveloperUnityRoot Solutions IncMoneybook Co., Ltd.

Customer experience

SpendSay

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews56 reviews
Positive64.3%
Neutral5.4%
Negative30.4%

麻布記帳

All ratings57 ratings
Positive89.5%
Neutral3.5%
Negative7.0%
Written reviews75 reviews
Positive88.0%
Neutral5.3%
Negative6.7%

In-app purchases

2 purchases

SpendSay

Subscriptions2
  • 定期每月訂閱1 Month trial$2.491 Month
  • 年訂閱完整版1 Year trial$26.991 Year
2 purchases

麻布記帳

Subscriptions2
  • Moneybook VIP (月方案)7 Days trial$4.991 Month
  • Moneybook VIP (年方案)7 Days trial$49.991 Year

Questions

Is SpendSay free?
SpendSay is free to download, with in-app purchases available.
Is 麻布記帳 free?
麻布記帳 is free to download, with in-app purchases available.
Which has better reviews, SpendSay or 麻布記帳?
SpendSay is rated higher. SpendSay averages 4.8 out of 5 from 5 ratings, while 麻布記帳 averages 4.5 from 57 ratings.
Do SpendSay or 麻布記帳 have ads?
麻布記帳 shows ads; SpendSay does not.
Which is updated more often, SpendSay or 麻布記帳?
SpendSay ships an update every 5 days, and 麻布記帳 every 3 weeks. Most recently, SpendSay was updated on November 6, 2026 and 麻布記帳 on November 2, 2026.

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