房贷计算器 vs 挖财记账
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
房贷计算器
This app helps you calculate mortgage payments, analyze loan components, and compare repayment strategies. It supports various loan types and offers features for early repayment planning and loan comparisons to find the best financial solution.
- Mortgage payment calculation
- Early repayment analysis
- Loan comparison
- Interest calculation
- Multiple loan types supported
- Repayment reminders
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房贷计算器一款专业的房产贷款月供计算软件。 能够根据您的贷款金额、年限，精准的分析出你的月供构成， 精准计算出总利息、月供、每月本金、利息、剩余本金等。 同时还支持提前还贷计算、贷款对比、提前还贷对比功能，帮你选择最优方案！ 【功能特色】 1. 多种贷款计算：公积金贷款、商业贷款、组合贷款计算 2. 提前还贷计算：计算节省利息、缩短期限、减少月供，帮你定制最佳还款方案！ 3. 对比功能：对比不同贷款金额、年限、利率、方式、还款方案对贷款和提前还贷的影响，助你选择最优方案！ 4. 收藏记录：收藏记录房贷信息、提前还贷信息，方便随时查看、对比信息内容 5. 还款提醒：自定义提醒时间，再也不怕忘记还款了~ 【VIP会员自动订阅服务说明】 1、订阅服务：连续包月VIP（1个月）、连续包季VIP（3个月）、连续包年VIP（12个月） 2、付款：用户确认购买并付款后计入iTunes账户 3、续订：苹果iTunes账户会在到期前24小时内扣费，扣费成功后订阅周期顺延一个订阅周期 4、取消续订：如需取消续订，请在当前订阅到期24小时以前，手动在iTunes/Apple ID设置管理中关闭自动续订功能 5、服务协议：https://mp.weixin.qq.com/s/fVtJB5OFyKOQWpPx3r_GZw 6、隐私政策：https://mp.weixin.qq.com/s/GvkmiVfuGS6HuljW6X4OFA
挖财记账
Effortlessly manage your finances with AI-powered automatic accounting. Import transactions from various platforms, track spending, set budgets, and gain insights into your financial health with comprehensive reports. Ideal for personal, family, or business use.
- AI-powered automatic accounting
- Import from WeChat, Alipay, banks
- Voice and screen recognition for quick entry
- Comprehensive reports and statistics
- Budgeting and financial planning
- Multi-user shared ledgers
- Asset and liability management
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AI智能导入，快速开始管理账单，微信、支付宝、银行等一键导入，立即体验满血的账单管理服务。 快捷指令自动记账，消费后双击记账，简单又有趣！ “钱花哪儿”一清二楚，省钱存钱从现在开始！ 【功能特色】 1、AI智能记账 - 语音快捷指令：用Siri唤起“挖财语音记账”或者自定义唤出方式，智能语音记账 - 识屏快捷指令：微信、支付宝消费后，打开账单页，轻敲手机背后马上记账 - 批量智能导入：微信、支付宝、银行等excel账单，一键导入，智能分类 - 周期自动记账：水电煤、公积金等定期按时入账，不必担心漏记 2、手动记账 - 类型丰富：支出、收入、转账、借贷、报销、退款账单全面支持 - 智能学习，遵循操作习惯，越用越顺手 - 速记模板，提前预设记账模板，秒记无压力 3、多人共享账本，多端实时同步 - 适合个人、家庭记账、生意合伙、团队项目等多场景共享 - 免费云备份，多端实时同步，换手机登录同账号，自动同步，数据无忧 4、全面的账单管理 - 账单明细：12个统计维度，支出、收入、转账、借贷、报销、退款等多种账单一处管理 - 日历账单：4种账单日历，每日收支一目了然，漏记补账方便快捷 - 账单搜索：输入关键词，快速检索各类型账单，轻松定位 - 超多报表：29种报表，多维度的报表帮你追踪花销流水 5、资金计划管理 - 覆盖信用卡还款、房租、水电、借贷还款等多种待办事项 - 快速统计未来某段时间的固定开支总金额，帮助管好现金流 - 可靠的提醒服务，重要款项不错过 6、资产负债 - 资产管理：管理资产和负债，“钱在哪儿”一目了然 - 信用卡管理：管理免息期、信用额度等，“羊毛”要薅到就是赚到 - 账户账单页，逐条账单对账，信息清晰明了 7、预算目标 - 支出、收入、结余都可独立设置预算目标，存钱省钱都满足 - 全部、年、季、月、周、日多周期预算，想管多细有多细 - 类别、成员、标签、商家等可设置子预算 - 创建一次，下个周期自动延续，管理更简单 8、个性化设置 - 账本封面，首页日历、报表、预算等7大模块定制服务 - 自定义类别、账户图标、个性化标签服务 - 账单列表样式设置等 9、其他特色 - 多币种：出国旅游、生活、工作，方便外币记账 - 数据安全：支持Face ID/指纹解锁账本 - 特色小组件：多样特色小组件，添加到手机桌面美观好用 【会员服务】 1、非连续订阅会员服务： - 基础会员：年会员，永久会员 - 标准会员：月会员，年会员 - 超级会员：月会员，年会员 2、连续订阅会员自动续费服务： - 订阅周期：1个月或1年 - 订阅价格：标准会员连续包月、标准会员连续包年、超级会员连续包月、超级会员连续包年 - 您的iTunes账户会在购买确认后立即扣款 - 购买连续订阅会员的帐号，会在每个月到期前24小时，自动在 iTunes 账户扣费并延长1个月或1年会员有效期 - 取消订阅应当在会员服务到期前，提前至少 24 小时完成，否则此订阅将继续有效 - 如需取消订阅，请手动打开手机「设置」， 进入「Apple ID」，选择「订阅」，选择订阅商品取消订阅即可。 服务协议： 1）付费会员服务协议：https://www.yuancaiyun.com/ikebana/contract/1E82B02865773CB8FDB9A16BA1AF1D06 2）连续订阅会员服务协议：https://www.yuancaiyun.com/ikebana/contract/970407CDD20C17DFB287CA654E93F7C6 3）个人信息保护政策：https://www.yuancaiyun.com/ikebana/contract/5165EC0CF11AF32B0FE5FD93521BCB39 4）用户服务协议：https://www.yuancaiyun.com/ikebana/contract/44FADE5EE6670BC7B6528021400E6EF0 【联系我们】 - 意见反馈：可通过我的-关于-邮箱发送邮件和我们联系 - 如果您喜欢我们的服务，请留下您的好评，让更多人看到我们！您的支持是我们前进的动力！
Screenshots
Verdict
The clearest difference is ads: 房贷计算器 at none against 挖财记账's shown. 房贷计算器 also leads on review sentiment (91% vs 58%) and iOS requirement (13.0 vs 15.0). 挖财记账's advantage is ratings volume (256 vs 35). On price, rating, update cadence and in-app purchases 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
Both are free to download. 房贷计算器 sells 7 in-app purchases, starting at $0.99 per month and 挖财记账 sells 10 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 4.7 for 房贷计算器 against 4.6 for 挖财记账. That said, the two scores are not equally well evidenced: 挖财记账 has 256 ratings behind it against 35, so its average is the more settled of the two. Written reviews are what separate them: 91% of 房贷计算器's written reviews are positive against 58% of 挖财记账's.
房贷计算器 ships an update every 3 weeks, 挖财记账 fortnightly. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | 房贷计算器 | 挖财记账 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (35 ratings) — better | 4.6 (256 ratings) |
| Positive reviews | 91.3% of reviews — better | 58.1% of reviews |
| Number of ratings | 35 | 256 — better |
| Update frequency | Every 3 weeks | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 85 MB | 159 MB |
| Age rating | 4+ | 9+ |
| Developer | Extreme Point | Hangzhou Yuancai Technology Co.,Ltd. |
Customer experience
房贷计算器
挖财记账
Bugs and requests
房贷计算器
Not enough reviews yet to summarise bugs or requests.
挖财记账
Reported bugs
73 issues- Data disappearing or showing as blank
- App crashing on startup
- Slow loading times and lag
- Inaccurate calculations for totals and sums
- Automatic ad clicks and redirects
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- Screen remains blank upon opening
- Input not displaying immediately after entry
- Recurring transaction bugs
- Login failures and timeouts
- Inability to receive verification codes
- Cash calculation errors after updates
- App not syncing data
- Issues with facial recognition unlocking
- Unable to edit repayment interest
- Periodic account connection issues
- Network instability causing data unavailability
- Opening screen freezes
- Payment interest cannot be changed
- Spending flow calculation errors
- App automatically redirects to other app stores
- Freezing on startup screen
- Screen is blank after entering
- New version not displaying input immediately
- Monthly spending totals are incorrect
- Daily spending totals are incorrect
- Automatic entries for recurring transactions are inconsistent
- App crashes frequently
- Data is lost after updates
- Calculations are incorrect
- App is slow and laggy
- Ads are intrusive
- UI changes are confusing
- Features that were previously free are now paid
- Customer support is unreachable
- Smart customer service is unhelpful
- App not supporting widgets
- Cannot record zero-value transactions
- Icons and colors are not customizable
- User interface is not intuitive
- Unable to edit transaction details easily
- Recurring transaction bugs
- Login failures and timeouts
- Inability to receive verification codes
- Cash calculation errors after updates
- App not syncing data
- Issues with facial recognition unlocking
- Unable to edit repayment interest
- Periodic account connection issues
- Network instability causing data unavailability
- Opening screen freezes
- Payment interest cannot be changed
- Spending flow calculation errors
- App automatically redirects to other app stores
- Freezing on startup screen
- Screen is blank after entering
- New version not displaying input immediately
- Monthly spending totals are incorrect
- Daily spending totals are incorrect
- Automatic entries for recurring transactions are inconsistent
- App crashes frequently
- Data is lost after updates
- Calculations are incorrect
- App is slow and laggy
- Ads are intrusive
- UI changes are confusing
- Features that were previously free are now paid
- Customer support is unreachable
- Smart customer service is unhelpful
- App not supporting widgets
- Cannot record zero-value transactions
- Icons and colors are not customizable
- User interface is not intuitive
- Unable to edit transaction details easily
Requested features
45 requests- Adapt dark mode
- Add clear cache function
- Restore 'missed payment' option
- Improve UI/UX to be more like '圈子账本'
- Add tagging for sub-categorization
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- Add number formatting with commas
- Add option to edit/customize icons and colors
- Restore monthly budget remaining calculation
- Add ability to edit transaction details more easily
- Improve recurring transaction management
- Add ability to merge/migrate accounts
- Add support for widgets
- Improve search functionality with date ranges
- Add ability to reorder accounts
- Add ability to set custom background colors
- Add facial recognition/password lock for app access
- Improve budget feature with category comparison
- Add ability to split reimbursements
- Add support for multiple currencies and automatic exchange rate updates
- Improve user interface for better clarity and efficiency
- Restore community features for user interaction
- Restore financial management sections
- Add automatic bank/SMS data import
- Add option for partial refunds
- Improve loan/borrowing tracking clarity
- Add ability to set default values for fields
- Add ability to customize transaction entry fields
- Improve handling of zero-value transactions
- Add automatic recommendation for tags/merchants
- Restore ability to search nearby merchants
- Add ability to set default account for new transactions
- Add option to customize transaction entry interface
- Add ability to view historical data by month/year easily
- Add ability to adjust account name length limits
- Add ability to manage recurring transactions in a central place
- Add ability to select currency for new accounts
- Add ability to view account details by currency
- Add ability to customize transaction entry fields
- Add ability to set default account for new transactions
- Add ability to customize transaction entry interface
- Add ability to view historical data by month/year easily
- Add ability to adjust account name length limits
- Add ability to manage recurring transactions in a central place
- Add ability to select currency for new accounts
- Add ability to view account details by currency
In-app purchases
房贷计算器
- 连续包月VIP$0.991 Month
- 连续包季VIP$0.993 Months
- 连续包年VIP$3.991 Year
- 1个月VIP$2.99
- 3个月VIP$6.99
- 永久VIP$6.99
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- 12个月VIP$12.99
挖财记账
- 标准会员连续包月$0.991 Month
- 超级VIP连续包月$3.991 Month
- 标准会员连续包年$6.991 Year
Show 2 moreShow fewer
- 连续包年$7.991 Year
- 超级会员连续包年$14.991 Year
- 超级月会员$4.99
- 48元会员$6.99
- 标准两年会员$9.99
Show 2 moreShow fewer
- 基础永久会员$9.99
- 超级两年会员$24.99
