# 房贷计算器 vs 自动记账

The clearest difference is in-app purchases: 房贷计算器 at none against 自动记账's 2. 房贷计算器 also leads on iOS requirement (8.0 vs 16). 自动记账's advantage is update cadence (every 5 days vs every 3 months). On price, review sentiment, ads and device support there is nothing between them.

Both are free to download. 自动记账 sells 2 in-app purchases, starting at $6.99 per year. 房贷计算器 asks for nothing beyond the download.

房贷计算器 ships an update every 3 months, 自动记账 every 5 days. Both last shipped on October 7, 2026.

## The numbers

| Metric | 房贷计算器 | 自动记账 |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 94.1% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 days** |
| Monetization | **Free** | Freemium |
| Size | 10 MB | 38 MB |
| Requires iOS | **8.0** | 16 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [YingShi(Beijing) International Trading Co., Ltd.](https://appshunter.io/developer/1719249557) | [小拓 林](https://appshunter.io/developer/1267985198) |

## What reviewers say

### 房贷计算器

[App page](https://appshunter.io/ios/app/2017/id1157831896)

Calculate mortgage payments for various loan types using different repayment methods. This tool helps homebuyers choose the best loan plan and is useful for financial professionals.

**Highlights:** Calculate公积金 loans, Calculate commercial loans, Calculate combined loans, Equal principal and interest repayment, Equal principal repayment, Calculate monthly payments, Calculate total interest

**Features:** macOS Compatibility

**In-app purchases:** none


### 自动记账

[App page](https://appshunter.io/ios/app/1/id6743019405)

Effortlessly track your finances with an intuitive and fun app. It automates bill analysis, offers visual insights, and secures your data with password protection and iCloud backup. Ideal for modern users seeking simple, efficient financial management.

**Highlights:** Automated bill analysis, Customizable tags and budgets, Password protection and iCloud backup, Visual chart analysis, Multi-account management, Data export and migration

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 年会员 | $6.99 | per year |
| 永久会员 | $9.99 | one-time |


## Frequently asked questions

### Is 房贷计算器 free?

房贷计算器 is free to download, with no in-app purchases.

### Is 自动记账 free?

自动记账 is free to download, with in-app purchases available.

### Do 房贷计算器 or 自动记账 have ads?

Neither 房贷计算器 nor 自动记账 shows ads.

### Which is updated more often, 房贷计算器 or 自动记账?

房贷计算器 ships an update every 3 months, and 自动记账 every 5 days. Most recently, 房贷计算器 was updated on October 7, 2026 and 自动记账 on October 7, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*