Comparison

MoneyTrack vs AI记账

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
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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.

About

AI记账

Features
Read full description

● 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

MoneyTrack4 screens
AI记账4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

UpkeepUpdate frequency

MoneyTrack ships an update fortnightly, AI记账 every 10 days. Both last shipped on November 3, 2026.

Scorecard2 real differences · 8 level
MoneyTrack versus AI记账: the parameters behind the verdict, then further details
ParameterMoneyTrackAI记账
PriceFreeFree
Rating4.9 (426 ratings) — better—
Positive reviews96.1% of reviews—
Number of ratings426 — better—
Update frequencyFortnightlyEvery 10 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPad, iPod, Mac — betteriPhone, iPod
Requires iOS13.0 — better15.0
Further details — not scored
Size75 MB53 MB
Age rating4+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

4 purchases

MoneyTrack

One-time4
  • Monthly$0.99
  • Annual$6.00
  • Lifetime$19.95
Show 1 more
  • Lifetime$19.99
3 purchases

AI记账

Subscriptions2
  • 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
One-time1
  • AI 记账永久会员$14.99

Questions

Is MoneyTrack free?
MoneyTrack is free to download, with in-app purchases available.
Is AI记账 free?
AI记账 is free to download, with in-app purchases available.
Do MoneyTrack or AI记账 have ads?
Neither MoneyTrack nor AI记账 shows ads.
Which is updated more often, MoneyTrack or AI记账?
MoneyTrack ships an update fortnightly, and AI记账 every 10 days. Most recently, MoneyTrack was updated on November 3, 2026 and AI记账 on November 3, 2026.

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