# MoneyTrack vs 挖财记账

The clearest difference is review sentiment: MoneyTrack at 96% against 挖财记账's 59%. MoneyTrack also leads on ads (none vs shown) and rating (4.9 vs 4.6). On price, ratings volume, update cadence and in-app purchases there is nothing between them.

Both are free to download. MoneyTrack sells 4 one-off in-app purchases and 挖财记账 sells 20 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

MoneyTrack holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 422 and 255 respectively. Written reviews point the same way: 96% of MoneyTrack's written reviews are positive against 59% of 挖财记账's.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | MoneyTrack | 挖财记账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (422 ratings)](https://appshunter.io/ios/app/moneytrack-expense-tracker/id1473785373/reviews)** | [4.6 (255 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews) |
| Number of ratings | **422** | 255 |
| Positive reviews | **96.0% of reviews** | 58.7% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Freemium | Freemium |
| Size | 75 MB | 159 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | **iPhone, iPad, iPod, Mac** | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [昱春 唐](https://appshunter.io/developer/1454984065) | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) |

## What reviewers say

### MoneyTrack

[App page](https://appshunter.io/ios/app/moneytrack-expense-tracker/id1473785373)

This app offers a pure, ad-free expense tracking experience with AI-powered auto-categorization. Manage finances across multiple platforms, set budgets, and gain insights into spending habits with clear data visualization. It's designed for seamless financial management.

**Highlights:** Ad-free experience, AI auto-tracking and categorization, Cross-platform sync (iOS, Android, Desktop), Budget control and monitoring, Asset and debt management, Shared ledgers for household finances, Multi-currency support

**Features:** Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $0.99 | one-time |
| Annual | $6.00 | one-time |
| Lifetime | $19.95 | one-time |
| Lifetime | $19.99 | one-time |

**What reviewers like**

- 👍 Simple and easy to use
- 🚀 Fast and responsive
- 💎 No ads, clean interface
- 💯 Comprehensive features
- 🤑 Good value for money

**What reviewers complain about**

- 🐛 Occasional sync issues
- ⚠️ Limited multi-currency support
- 🕰️ Lack of advanced reporting

**Reported bugs**

- Unable to input numbers in notes
- App crashes on high refresh rate devices

**Requested features**

- Add multi-currency support
- Improve data export options
- Integrate with banking apps
- Introduce budgeting features


### 挖财记账

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

Effortlessly manage your finances with AI-powered expense tracking. Import transactions from various sources, set budgets, and gain clear insights into your spending habits. Optimize savings and achieve your financial goals.

**Highlights:** AI intelligent expense tracking, Automatic import from WeChat, Alipay, banks, Voice and screen recognition for quick entry, Multi-user shared ledgers, Comprehensive financial reports, Budget and savings goal setting, Asset and debt management

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

**In-app purchases (20)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 标准会员连续包月 | $0.99 | per month |
| 超级会员连续包月 | $1.99 | per month |
| 标准VIP连续包月 | $1.99 | 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 |
| 超级会员连续包年 | $14.99 | per year |
| 连续包年 | $17.99 | per year |
| 标准月会员 | $1.99 | one-time |
| 免广告年会员 | $1.99 | one-time |
| 18元会员 | $2.99 | one-time |
| 基础永久会员 | $3.99 | one-time |
| 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 |
| 标准会员Plus | $9.99 | one-time |
| 基础永久会员 | $9.99 | one-time |
| 超级两年会员 | $24.99 | one-time |
| 超级会员Plus | $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 MoneyTrack free?

MoneyTrack 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, MoneyTrack or 挖财记账?

MoneyTrack is rated higher. MoneyTrack averages 4.9 out of 5 from 422 ratings, while 挖财记账 averages 4.6 from 255 ratings.

### Do MoneyTrack or 挖财记账 have ads?

挖财记账 shows ads; MoneyTrack does not.

### Which is updated more often, MoneyTrack or 挖财记账?

MoneyTrack ships an update fortnightly, and 挖财记账 fortnightly. Most recently, MoneyTrack was updated on October 27, 2026 and 挖财记账 on October 25, 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.*