# 房贷计算器 vs 挖财记账

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.

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.

## The numbers

| Metric | 房贷计算器 | 挖财记账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (35 ratings)](https://appshunter.io/ios/app/id1175710673/reviews)** | [4.6 (256 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews) |
| Number of ratings | 35 | **256** |
| Positive reviews | **91.3% of reviews** | 58.1% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 85 MB | 159 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [Extreme Point](https://appshunter.io/developer/1895910092) | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) |

## What reviewers say

### 房贷计算器

[App page](https://appshunter.io/ios/app/id1175710673)

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.

**Highlights:** Mortgage payment calculation, Early repayment analysis, Loan comparison, Interest calculation, Multiple loan types supported, Repayment reminders

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

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 连续包月VIP | $0.99 | per month |
| 连续包季VIP | $0.99 | per 3 months |
| 连续包年VIP | $3.99 | per year |
| 1个月VIP | $2.99 | one-time |
| 3个月VIP | $6.99 | one-time |
| 永久VIP | $6.99 | one-time |
| 12个月VIP | $12.99 | one-time |


### 挖财记账

[App page](https://appshunter.io/ios/app/ai/id1544045905)

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.

**Highlights:** 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

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

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 标准会员连续包月 | $0.99 | per month |
| 超级VIP连续包月 | $3.99 | per month |
| 标准会员连续包年 | $6.99 | per year |
| 连续包年 | $7.99 | per year |
| 超级会员连续包年 | $14.99 | per year |
| 超级月会员 | $4.99 | one-time |
| 48元会员 | $6.99 | one-time |
| 标准两年会员 | $9.99 | one-time |
| 基础永久会员 | $9.99 | one-time |
| 超级两年会员 | $24.99 | one-time |

**What reviewers like**

- 👍 Long-term user loyalty (10+ years)
- 👍 Comprehensive features
- 👍 Good for habit building
- 👍 Data migration from other apps
- 👍 Useful for tracking expenses

**What reviewers complain about**

- 🐛 Frequent performance issues (lag, slow)
- 🐛 Data loss/disappearance
- 🐛 Inconsistent calculation errors
- 🐛 Frequent crashes and freezes
- 🐛 UI/UX degradation after updates

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is 房贷计算器 free?

房贷计算器 is free to download, with in-app purchases available.

### Is 挖财记账 free?

挖财记账 is free to download, with in-app purchases available.

### Which has better reviews, 房贷计算器 or 挖财记账?

房贷计算器 is rated higher. 房贷计算器 averages 4.7 out of 5 from 35 ratings, while 挖财记账 averages 4.6 from 256 ratings.

### Do 房贷计算器 or 挖财记账 have ads?

挖财记账 shows ads; 房贷计算器 does not.

### Which is updated more often, 房贷计算器 or 挖财记账?

房贷计算器 ships an update every 3 weeks, and 挖财记账 fortnightly. Most recently, 房贷计算器 was updated on November 2, 2026 and 挖财记账 on November 3, 2026.

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