财务专家 vs 挖财记账
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
财务专家
This app simplifies business accounting for entrepreneurs and employees without requiring professional accounting knowledge. It offers features for tracking income, expenses, receivables, payables, and managing reimbursements and assets. The platform supports multiple users with different permission levels for transparent financial management.
- Income and expense tracking
- Receivables and payables management
- Periodic bill reminders
- Expense reimbursement processing
- Employee and asset management
- Multi-user access with permissions
- Financial reporting
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财务专家 一站式解决企业记账。无需专业会计知识，5分钟轻松上手 财务管理、财务记账、企业记账、手账、生意记账、财务报表 无论您是企业老板，财务员工，部门负责等，无需任何会计知识，轻松管好每一分钱 【他们在用】 生意老板、创业公司、分公司、公司部门、连锁店、网店等 【选择我们的八大理由】 5分钟上手，无需会计知识 多端配合，全平台记账 多用户、分权限，告别糊涂账 安全至极，多重安全设置 员工报销，方便快捷 强大的财务报表统计 专业可靠的服务团队 【软件功能】 [收入、支出]：不同工作人员分配不同权限，账目添加，审核，查看权限自由分配，股东账目公开透明，实时添加统计查询 [应收款、应付款]：从此以后谁欠我的钱，我欠谁的钱，一目了然。分次还款等，都轻松搞定 [周期提醒]：周期性繁杂账单如何搞定，经常忘记，不用担心，计划任务及时提醒你，解放你的大脑 [报销管理]：辅助报销功能，让公司报销更简单，更方便 [员工管理]：员工基本档案信息录入，员工管理，一招搞定 [资产管理]：固定资产的管理涉及到比较复杂的财务知识在财务专家中，一键搞定 [权限分配]：多用户，分权限，可以设置多个账号，员工记账，老板查账。 【联系财务专家】 客服电话: 0738-8932661 客服邮箱: 88621110@qq.com
挖财记账
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.
- 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
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AI智能导入，快速开始管理账单，微信、支付宝、银行等一键导入，立即体验满血的账单管理服务。 快捷指令自动记账，消费后双击记账，简单又有趣！ “钱花哪儿”一清二楚，省钱存钱从现在开始！ 【功能特色】 1、AI智能记账 - 语音快捷指令：用Siri唤起“挖财语音记账”或者自定义唤出方式，智能语音记账 - 识屏快捷指令：微信、支付宝消费后，打开账单页，轻敲手机背后马上记账 - 批量智能导入：微信、支付宝、银行等excel账单，一键导入，智能分类 - 周期自动记账：水电煤、公积金等定期按时入账，不必担心漏记 2、手动记账 - 类型丰富：支出、收入、转账、借贷、报销、退款账单全面支持 - 智能学习，遵循操作习惯，越用越顺手 - 速记模板，提前预设记账模板，秒记无压力 3、多人共享账本，多端实时同步 - 适合个人、家庭记账、生意合伙、团队项目等多场景共享 - 免费云备份，多端实时同步，换手机登录同账号，自动同步，数据无忧 4、全面的账单管理 - 账单明细：12个统计维度，支出、收入、转账、借贷、报销、退款等多种账单一处管理 - 日历账单：4种账单日历，每日收支一目了然，漏记补账方便快捷 - 账单搜索：输入关键词，快速检索各类型账单，轻松定位 - 超多报表：29种报表，多维度的报表帮你追踪花销流水 5、资金计划管理 - 覆盖信用卡还款、房租、水电、借贷还款等多种待办事项 - 快速统计未来某段时间的固定开支总金额，帮助管好现金流 - 可靠的提醒服务，重要款项不错过 6、资产负债 - 资产管理：管理资产和负债，“钱在哪儿”一目了然 - 信用卡管理：管理免息期、信用额度等，“羊毛”要薅到就是赚到 - 账户账单页，逐条账单对账，信息清晰明了 7、预算目标 - 支出、收入、结余都可独立设置预算目标，存钱省钱都满足 - 全部、年、季、月、周、日多周期预算，想管多细有多细 - 类别、成员、标签、商家等可设置子预算 - 创建一次，下个周期自动延续，管理更简单 8、个性化设置 - 账本封面，首页日历、报表、预算等7大模块定制服务 - 自定义类别、账户图标、个性化标签服务 - 账单列表样式设置等 9、其他特色 - 多币种：出国旅游、生活、工作，方便外币记账 - 数据安全：支持Face ID/指纹解锁账本 - 特色小组件：多样特色小组件，添加到手机桌面美观好用 【会员服务】 1、非连续订阅会员服务： - 基础会员：年会员，永久会员 - 标准会员：月会员，年会员 - 超级会员：月会员，年会员 2、连续订阅会员自动续费服务： - 订阅周期：1个月或1年 - 订阅价格：标准会员连续包月、标准会员连续包年、超级会员连续包月、超级会员连续包年 - 您的iTunes账户会在购买确认后立即扣款 - 购买连续订阅会员的帐号，会在每个月到期前24小时，自动在 iTunes 账户扣费并延长1个月或1年会员有效期 - 取消订阅应当在会员服务到期前，提前至少 24 小时完成，否则此订阅将继续有效 - 如需取消订阅，请手动打开手机「设置」， 进入「Apple ID」，选择「订阅」，选择订阅商品取消订阅即可。 服务协议： 1）付费会员服务协议：https://www.yuancaiyun.com/ikebana/contract/1E82B02865773CB8FDB9A16BA1AF1D06 2）连续订阅会员服务协议：https://www.yuancaiyun.com/ikebana/contract/970407CDD20C17DFB287CA654E93F7C6 3）个人信息保护政策：https://www.yuancaiyun.com/ikebana/contract/5165EC0CF11AF32B0FE5FD93521BCB39 4）用户服务协议：https://www.yuancaiyun.com/ikebana/contract/44FADE5EE6670BC7B6528021400E6EF0 【联系我们】 - 意见反馈：可通过我的-关于-邮箱发送邮件和我们联系 - 如果您喜欢我们的服务，请留下您的好评，让更多人看到我们！您的支持是我们前进的动力！
Screenshots
Verdict
The clearest difference is ads: 财务专家 at none against 挖财记账's shown. 财务专家 also leads on review sentiment (92% vs 59%). 挖财记账's advantage is update cadence (fortnightly vs every 6 weeks). On price, in-app purchases, monetization model and device support 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. 财务专家 sells 8 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.
财务专家 ships an update every 6 weeks, 挖财记账 fortnightly. The most recent releases landed on September 20, 2026 and September 21, 2026 respectively.
| Parameter | 财务专家 | 挖财记账 |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.6 (249 ratings) — better |
| Positive reviews | 91.7% of reviews — better | 58.9% of reviews |
| Number of ratings | — | 249 — better |
| Update frequency | Every 6 weeks | Fortnightly — better |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.5 | 15.0 — better |
| Further details — not scored | ||
| Size | 82 MB | 158 MB |
| Age rating | 17+ | 9+ |
| Developer | 娄底市亿腾网络科技有限公司 | Hangzhou Yuancai Technology Co.,Ltd. |
Customer experience
财务专家
挖财记账
Bugs and requests
财务专家
Not enough reviews yet to summarise bugs or requests.
挖财记账
Reported bugs
73 issues- 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
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- Screen remains blank upon opening
- Input not displaying immediately after entry
- Recurring transaction bugs
- Login failures and timeouts
- Inability to receive verification codes
- Cash calculation errors after updates
- App not syncing data
- Issues with facial recognition unlocking
- Unable to edit repayment interest
- Periodic account connection issues
- Network instability causing data unavailability
- Opening screen freezes
- Payment interest cannot be changed
- Spending flow calculation errors
- App automatically redirects to other app stores
- Freezing on startup screen
- Screen is blank after entering
- New version not displaying input immediately
- Monthly spending totals are incorrect
- Daily spending totals are incorrect
- Automatic entries for recurring transactions are inconsistent
- App crashes frequently
- Data is lost after updates
- Calculations are incorrect
- App is slow and laggy
- Ads are intrusive
- UI changes are confusing
- Features that were previously free are now paid
- Customer support is unreachable
- Smart customer service is unhelpful
- App not supporting widgets
- Cannot record zero-value transactions
- Icons and colors are not customizable
- User interface is not intuitive
- Unable to edit transaction details easily
- Recurring transaction bugs
- Login failures and timeouts
- Inability to receive verification codes
- Cash calculation errors after updates
- App not syncing data
- Issues with facial recognition unlocking
- Unable to edit repayment interest
- Periodic account connection issues
- Network instability causing data unavailability
- Opening screen freezes
- Payment interest cannot be changed
- Spending flow calculation errors
- App automatically redirects to other app stores
- Freezing on startup screen
- Screen is blank after entering
- New version not displaying input immediately
- Monthly spending totals are incorrect
- Daily spending totals are incorrect
- Automatic entries for recurring transactions are inconsistent
- App crashes frequently
- Data is lost after updates
- Calculations are incorrect
- App is slow and laggy
- Ads are intrusive
- UI changes are confusing
- Features that were previously free are now paid
- Customer support is unreachable
- Smart customer service is unhelpful
- App not supporting widgets
- Cannot record zero-value transactions
- Icons and colors are not customizable
- User interface is not intuitive
- Unable to edit transaction details easily
Requested features
45 requests- 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
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- Add number formatting with commas
- Add option to edit/customize icons and colors
- Restore monthly budget remaining calculation
- Add ability to edit transaction details more easily
- Improve recurring transaction management
- Add ability to merge/migrate accounts
- Add support for widgets
- Improve search functionality with date ranges
- Add ability to reorder accounts
- Add ability to set custom background colors
- Add facial recognition/password lock for app access
- Improve budget feature with category comparison
- Add ability to split reimbursements
- Add support for multiple currencies and automatic exchange rate updates
- Improve user interface for better clarity and efficiency
- Restore community features for user interaction
- Restore financial management sections
- Add automatic bank/SMS data import
- Add option for partial refunds
- Improve loan/borrowing tracking clarity
- Add ability to set default values for fields
- Add ability to customize transaction entry fields
- Improve handling of zero-value transactions
- Add automatic recommendation for tags/merchants
- Restore ability to search nearby merchants
- Add ability to set default account for new transactions
- Add option to customize transaction entry interface
- Add ability to view historical data by month/year easily
- Add ability to adjust account name length limits
- Add ability to manage recurring transactions in a central place
- Add ability to select currency for new accounts
- Add ability to view account details by currency
- Add ability to customize transaction entry fields
- Add ability to set default account for new transactions
- Add ability to customize transaction entry interface
- Add ability to view historical data by month/year easily
- Add ability to adjust account name length limits
- Add ability to manage recurring transactions in a central place
- Add ability to select currency for new accounts
- Add ability to view account details by currency
In-app purchases
财务专家
- 小微版一年会员$49.99
- 小微版三年会员$89.99
- 标准版一年会员$89.99
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- 标准版三年会员$179.99
- 旗舰版一年会员$179.99
- 工厂版一年会员$349.99
- 旗舰版三年会员$399.99
- 工厂版三年会员$599.99
挖财记账
- 标准会员连续包月$0.991 Month
- 超级会员连续包月$1.991 Month
- 标准VIP连续包月$1.991 Month
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- 超级VIP连续包月$3.991 Month
- 标准会员连续包年$6.991 Year
- 连续包年$7.991 Year
- 超级会员连续包年$14.991 Year
- 超级会员连续包年7 Days trial$14.991 Year
- 连续包年$17.991 Year
- 标准月会员$1.99
- 免广告年会员$1.99
- 18元会员$2.99
Show 8 moreShow fewer
- 基础永久会员$3.99
- 超级月会员$4.99
- 48元会员$6.99
- 标准两年会员$9.99
- 标准会员Plus$9.99
- 基础永久会员$9.99
- 超级两年会员$24.99
- 超级会员Plus$24.99
