MoneyTrack vs AI记账
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MoneyTrack
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.
- 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
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MoneyTrack is a simple, focused expense tracker built around three principles: no ads, no launch ads, and no financial product recommendations. It keeps bookkeeping minimal and stays focused on recording transactions. More than 6 million users use MoneyTrack to record transactions and understand their spending. AI-powered automatic entry records transactions accurately and efficiently, while simple charts make spending easy to understand at a glance. 【Features】 No launch ads, no ads, no financial products 【Functions】 - Quick entry: A simple workflow for recording transactions quickly; - AI-powered automatic entry: AI accurately recognizes transactions and matches categories, assets, notes, and other details for immediate recording; - Category management: Supports main categories and subcategories, with custom categories added as needed; - Asset management: Supports cash, bank accounts, credit cards, stored-value cards, investment accounts, and other asset accounts; - Statistical reports: Summarizes income and expenses from multiple perspectives to make spending easier to understand; - Multiple ledgers: Create separate ledgers for daily life, business, renovation, travel, baby expenses, shops, and other scenarios; - Shared ledgers: Invite family members or a partner to record together in the same ledger; - Recurring transactions: Automatically generate repeating income and expenses such as rent, car payments, subscriptions, insurance, and salary; - Budget management: Set monthly or yearly budgets, plan spending in advance, and avoid overspending; - Free backup: Data syncs automatically with your account, continues after switching phones, and can be used on multiple phones; - Free export: Export transactions at any time, including transaction images to Excel; - Free import: Import transactions from Alipay, WeChat, and many other platforms; - Reimbursement management: Record transactions awaiting reimbursement and manage the complete reimbursement process; - Refunds: Apply refunds to expense transactions, link the complete transaction flow, and support multiple refunds. - Bulk editing: Process notes, accounts, categories, tags, and other information across multiple transactions - Tags: Add multiple tags to transactions, such as merchant, project, or city, for multidimensional management. - Search: Find transactions by amount, time, ledger, tag, category, and other criteria; - Multiple currencies: Includes 100+ currencies with automatic exchange-rate conversion; - Widgets: A variety of home screen widgets makes recording more convenient; - Quick launch mode: Open the app and enter the transaction flow automatically; - Calendar view: View each day’s data summary clearly on a calendar; - Privacy first: Protect data with facial authentication or a passcode to prevent access by others; 【Help and Feedback】 User guide: https://docs.qianjiapp.com Feedback: Submit it through the “Feedback” page in the app.
AI记账
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● 简介 初次相遇, 希望你我在这里有”相见恨晚“的感觉! AI记账,爱记账。 一款反思记账, 赋予记账更多的意义和价值。 精致、简单、轻量便捷, 远远不止如此。 有你们的开始, 未来可期! 内卷的路上, 已是疲惫不堪。 消费一笔,记一笔, 繁琐而又冷冰冰的数字, 有悲有喜, 从内到外更加疲惫, 结果只落下悲! 夜晚, 安静, 总是被停不下思绪, 打破! 播放一首轻音乐, 深呼吸中回忆当天那些事! 有每天清晨去熟悉的街道买那熟悉的梅菜味包子, 还不忘一杯无糖豆浆! 有工作遇到一些小情绪的时候,一个人买买来治愈! 等等... 一串串动态的数字, 只醉于当下, 却止步于未来! 到月底了想不起钱花哪里了? 别忘了, 与AI记账一起断舍离那些没必要的消费! 合理的记账就是省钱, 生活从这一刻开始将变的美好。 这里没有广告, 只有纯粹的反思记账! 极致的体验,简洁的设计,超出你的想象。 ● AI记账有哪些功能? -- 反思记账,快速完成每一笔账单; -- 没必要支出,反思哪些账单是没有必要的消费; -- 自定义记账时间; -- 消费、收入细致分类,一目了然; -- 资产管理,多处资产,一处管理; -- 本月待还款,当天还会提醒,再也不用担心会逾期; -- 记账流程,有温度的设计,极致记账体验,好的超乎想象; -- 全部账单,快速筛选,每一笔消费清晰可见; -- 数据统计,消费趋势,没必要支出,一目了然,还会温馨提示减少不必要支出; -- Cloud 云端备份,记账数据实时同步在云端; -- 记账提醒; -- 隐私保护,密码、面容 ID 解锁; -- 隐藏总金额; -- 导出账单; -- 预算设置; ● 关于 AI记账高级版的订阅服务 -- 订阅周期 1个月(连续包月)、12个月(连续包年产品)、一次性买断。 选择按1个月(连续包月)或12个月(连续包年产品)来使用该服务,在每个订阅周期即将结束时,您的订阅默认将自动续费,除非您自行取消自动续费,或者由我们取消该服务。同一个 Apple ID 只能给 AI记账开通一次订阅服务。 选择一次性买断属于一次性解锁付费,当您选择买断之后,可以无限使用高级付费功能,无需要再次付费,永久有效。 -- 订阅价格 连续包月产品每月6元;连续包年每年58元;一次性买断168元。该价格可能会在促销时期有所变化。当价格调整后,新的费用将会在您的下一个订阅周期发生。 -- 付款 通过用户的iTunes账户扣款,用户确认购买后即付款。 -- 退款 当期的订阅和一次性买断费用将无法退款。请务必确保功能服务满足您的需求。 -- 取消订阅 如需取消续订,请至少提前24小时操作取消。您可以通过如下方法取消:打开系统设置 - 点击 Apple ID - 点击订阅 - 选择 AI记账高级版,取消订阅即可。 -- 恢复购买 如果在支付过程中,收到提示 “您目前已经订阅该项目”,并且确定之前完成了购买,可以点击右上角 “恢复购买” 进行恢复。 -- 联系我们 如果您对本使用条款有任何疑问,可以通过发送邮件到 allanbestone@163.com 联系我们,感谢您的支持与使用。 使用条款:http://aijizhangsy.plasmic.site/ 隐私政策:http://aijizhang.plasmic.site/ 如果你喜欢 AI记账,请考虑在 App Store 留下一个评价,帮助我们进一步优化。
Screenshots
Verdict
The clearest difference is device support: MoneyTrack at 4 against AI记账's 2. MoneyTrack also leads on iOS requirement (13.0 vs 15.0). 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. MoneyTrack sells 4 one-off in-app purchases and AI记账 sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
MoneyTrack ships an update fortnightly, AI记账 every 10 days. Both last shipped on November 3, 2026.
| Parameter | MoneyTrack | AI记账 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (426 ratings) — better | — |
| Positive reviews | 96.1% of reviews | — |
| Number of ratings | 426 — better | — |
| Update frequency | Fortnightly | Every 10 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | — |
| Devices | iPhone, iPad, iPod, Mac — better | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 75 MB | 53 MB |
| Age rating | 4+ | 4+ |
| Developer | 昱春 唐 | 世强 吴 |
Bugs and requests
MoneyTrack
Reported bugs
2 issues- Unable to input numbers in notes
- App crashes on high refresh rate devices
Requested features
4 requests- Add multi-currency support
- Improve data export options
- Integrate with banking apps
- Introduce budgeting features
AI记账
Not enough reviews yet to summarise bugs or requests.
In-app purchases
MoneyTrack
- Monthly$0.99
- Annual$6.00
- Lifetime$19.95
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- Lifetime$19.99
AI记账
- AI记账月付会员(自动续费)$0.991 Month
- AI记账年付会员(自动续费)$8.491 Year
- AI 记账永久会员$14.99









