# iCost记账 vs Z Saving

The clearest difference is monetization model: Z Saving at free against iCost记账's free with in-app purchases. Z Saving also leads on review sentiment (100% vs 88%) and update cadence (every 8 days vs every 2 weeks). iCost记账's advantage is device support (5 vs 3) and iOS requirement (13.0 vs 15.0). On price, ads and in-app purchases there is nothing between them.

Both are free to download. iCost记账 sells 5 in-app purchases, starting at $0.99 per month and Z Saving sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

iCost记账 ships an update every 2 weeks, Z Saving every 8 days. The most recent releases landed on October 25, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | iCost记账 | Z Saving |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (1K ratings)](https://appshunter.io/ios/app/icost-and/id1484262528/reviews)** | — |
| Number of ratings | **1K** | — |
| Positive reviews | 88.4% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 8 days** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 99 MB | 23 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | **iPhone, iPad, iPod, Mac, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Guangzhou Quji Technology Co., Ltd.](https://appshunter.io/developer/1484262527) | [SeeHigh Tech](https://appshunter.io/developer/1760058263) |

## What reviewers say

### iCost记账

[App page](https://appshunter.io/ios/app/icost-and/id1484262528)

This lightweight billing app simplifies daily bookkeeping for improved financial efficiency. It offers detailed consumption and income classification, asset management, and insightful chart analysis. Enjoy automatic iCloud backups, data export options, and support for multiple currencies and accounts.

**Highlights:** Minimalist operation process, Detailed consumption/income classification, Asset management, Chart analysis, Automatic iCloud cloud backup, Export accounting data, Support for multiple currencies and accounts

**Features:** Family Sharing, Apple Watch app

**In-app purchases (5)**

| Purchase | Price | Billing |
| --- | --- | --- |
| VIP Membership（1 month） | $0.99 | per month |
| VIP Membership（1 year） | $3.99 | per year |
| VIP Membership（1 year） | $4.99 | per year |
| Permanent VIP Membership | $8.99 | one-time |
| Subscription Upgrade | $8.99 | one-time |

**What reviewers like**

- 👍 Simple and intuitive UI
- 💰 Offers free basic features
- 🔍 Detailed expense tracking
- 🔢 Supports multiple currencies
- 🗓️ Clean and organized layout

**What reviewers complain about**

- 🐛 Occasional bugs and crashes
- ⏱️ Slow cold start times
- 💳 Limited credit card support
- 🔍 Lack of advanced search/filter
- 🔢 Difficulty managing multiple accounts

**Reported bugs**

- Incorrect currency conversion
- Disappearing transaction history
- Inability to delete/edit accounts
- Syncing issues across devices
- Unreliable backup and restore

**Requested features**

- Recurring expense/income tracking
- Budgeting and spending limit alerts
- Automatic bank/credit card sync
- Detailed category-based analytics
- Multi-user/family account support


### Z Saving

[App page](https://appshunter.io/ios/app/z-saving/id6529545230)

Track your savings goals with this minimalist app. It automatically calculates progress, displays trends with charts, and allows for detailed notes. Your financial data is stored locally and can be exported, ensuring privacy and control.

**Highlights:** Automatic savings statistics, Trend charts for financial progress, Detailed saving notes, Local data storage, iCloud data backup, JSON data import/export

**Features:** Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Z Saving Premium - Lifetime | $9.99 | one-time |


## Frequently asked questions

### Is iCost记账 free?

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

### Is Z Saving free?

Z Saving is free to download, with in-app purchases available.

### Do iCost记账 or Z Saving have ads?

Neither iCost记账 nor Z Saving shows ads.

### Which is updated more often, iCost记账 or Z Saving?

iCost记账 ships an update every 2 weeks, and Z Saving every 8 days. Most recently, iCost记账 was updated on October 25, 2026 and Z Saving on October 20, 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.*