Richart Life vs SHIN理想記帳
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Richart Life
This app integrates various financial and lifestyle services, including credit card management, loyalty point redemption, and mobile payments. It aims to provide a comprehensive and convenient platform for managing daily financial activities and accessing exclusive offers.
- Integrated lifestyle services
- Mobile payment support
- Loyalty point redemption
- Credit card management
- Real-time transaction notifications
- Coupon access
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我們持續優化各項服務的使用介面，除了既有的信用卡相關服務，新增生活圈服務串聯、台新Point點數查兌、台新PAY行動支付等服務，將生活再升級！/立刻下載台新Richart Life，體驗台新銀行生活金融生態圈。 Richart Life特色說明： 1.生活金融無界限 串聯生活圈中的各項優惠、點數查兌、行動支付等多項功能，一手掌握個人日常服務，提供全方位的便利生活！ 2.支援台新PAY支付功能 台新信用卡/簽帳金融卡就能一鍵輕鬆綁定，購物不再需要掏出錢包，使用手機輕鬆結帳! 3.點數隨手兌 台新Point/台新Point(信用卡)想換就換，屬於你的好康，就是不讓你錯過。 4.信用卡相關服務 信用卡查帳超方便，另可進行繳費/分期理財等服務。 5.消費通知最即時 刷卡不限金額筆筆通知，確保交易安全。 6.優惠券好康 刷卡優惠隨時查，領券即享優惠，好康不錯過。 如您於本行尚未留存Email或留存Email格式有誤，請撥打台新客服更新02)2655-3355。 為保障您的使用安全，建議您應於行動裝置上安裝防毒軟體，以偵測行動裝置是否有疑似遭破解或重大漏洞未修復等情形
SHIN理想記帳
This finance app helps users manage their money through a unique proportional budgeting method, allowing them to allocate income into living, investment, and savings accounts. It also categorizes spending as 'wants' or 'needs' to promote smarter financial decisions and provides detailed reports.
- Proportional budgeting method
- Allocate income to living, investment, savings
- Categorize spending as 'wants' or 'needs'
- Consumption analysis reports
- Cloud automatic data upload
- Customizable category icons
- Daily journaling reminders
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李勛 SHIN LI／新生代理財投資YouTuber 在沒有富爸爸和任何財經科系背景下，透過自行學習投資理財幸運地在25歲存到了第一桶金！將自己花心思整理的各式小資理財資訊製作成影片，在Youtube成功吸引了超過30萬人訂閱、累積4000萬次觀看。 李勛本次與台灣財經資訊龍頭公司CMoney合作，將自己獨家的記帳方法和理財思維產品化，開發了這款「Shin理想記帳」。 ––––功能特色介紹–––– 獨家1>>比例記帳法 理想記帳中的比例記帳法，是利用比例分配的方式，將每個月的收入按比例分配至「生活、投資、儲蓄」三種帳戶，並可以時時檢視各帳戶狀態，且能夠在帳戶間彼此轉帳。 能夠幫助使用者量入為出，在消費支出前就先將每個月的現金流妥善規劃，確實將財富穩定累積下來。 獨家2>>【想要/需要】報表 更在日常記帳中規劃了【想要/需要】標籤，幫助使用者在記帳時能夠思考消費目的，並能透過報表定期檢視消費細節，真正做到聰明消費。 ◆消費分析 統整整月消費狀況，幫你一眼抓出財務漏洞。 ◆雲端自動上傳資料 換手機、換平台、換版本，安全還原完整資料。 ◆帳務報表 詳盡多彩的報表，即時掌握收支狀況 ◆自訂分類icons 自由調整分類icon，多款可愛icon任你選 ◆記帳提醒 自訂每日提醒時間，系統自動提醒，不用再擔心金魚腦袋 ------- 希望透過ShinLi個人實證有效的理財記帳方法， 與你交朋友，陪伴你存下每一分夢想的基礎。 利用簡單的記帳流程，幫助你養成理財的好習慣 規劃三大帳戶讓你可以清楚看見財富的累積 協助你思考並清楚規劃每筆現金流的意義 搭配 ShinLi 總是第一手更新的各家銀行 信用卡&帳戶 優惠資訊 真正做到『聰明消費，輕鬆理財，理想記帳。』
Screenshots
Verdict
The clearest difference is rating: SHIN理想記帳 at 4.8 against Richart Life's 1.9. SHIN理想記帳 also leads on monetization model (ad-supported vs free with in-app purchases). Richart Life's advantage is ratings volume (21 vs 5). On price, update cadence, ads 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. Neither carries in-app purchases, so what you see is what you pay.
SHIN理想記帳 holds the better App Store score, 4.8 against 1.9. Both are backed by a comparable volume of ratings — 21 and 5 respectively.
Richart Life ships an update every 4 weeks, SHIN理想記帳 every 3 weeks. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.
| Parameter | Richart Life | SHIN理想記帳 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (21 ratings) | 4.8 (5 ratings) — better |
| Positive reviews | 17.1% of reviews | — |
| Number of ratings | 21 — better | 5 |
| Update frequency | Every 4 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Ad-supported — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 13.2 |
| Further details — not scored | ||
| Size | 250 MB | 98 MB |
| Age rating | 4+ | 4+ |
| Developer | Taishin International Bank | KINGWAY MEDIA CO., LTD. |
Customer experience
Richart Life
SHIN理想記帳
In-app purchases
Richart Life
No in-app purchases
SHIN理想記帳
No in-app purchases
