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  4. vs 挖财记账
Comparison

记账宝 vs 挖财记账

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

Head to head
记账宝-极速手机记账助手
记账宝
Free
💰 Finance
★ 2.33 ratingsView app →
挖财记账-AI自动记账
挖财记账

智能秒记，自动生成报表，存钱省钱快人一步

Free
💰 Finance
★ 4.6253 ratingsView app →
About

记账宝

This app offers a simple and fast way to track expenses for various life events, from travel to daily budgeting. It provides clear charts to visualize spending and alerts users when they exceed their budget. Manage your finances effortlessly and understand where your money goes.

Highlights
  • 3-second expense logging
  • Clear spending charts
  • Overspending alerts
  • Supports various budgeting needs
  • Simple interface
Features
Read full description

记账宝-极速手机记账助手 便捷好用的记账软件，账本，账单，生活记账本，适用于旅游记账，旅行记账，生意记账，学生记账，学生账本，亲子账本，装修记账，人情记账，日常记账，家庭账本，随手记账等。再也不担心钱花哪儿了，简洁的记账流程，清晰的图表展示， 让您随时随地掌握资金流向，及时调整支出，一定是您满意的记账app！ 【产品简介】 记账宝是一款专业的生活记账软件 极简的操作流程，让你轻松上手 三秒钟即可完成记账，极速体验 【产品功能】 3秒钟记账：极简的操作流程，让你3秒钟即可完成一笔记账操作 消费趋势：一目了然的图表，帮你快速分析消费情况 趋势预警：当超支时，系统将自动进行预警提示 联系邮箱： 799615711@qq.com

About

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.

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
Read full description

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

记账宝4 screens
挖财记账4 screens

Verdict

The call

The clearest difference is rating: 挖财记账 at 4.6 against 记账宝's 2.3. 挖财记账 also leads on ratings volume (253 vs 3). 记账宝's advantage is update cadence (every 3 days vs fortnightly) and iOS requirement (9.0 vs 15.0). On price, ads, in-app purchases and monetization model 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. 记账宝 sells 3 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.

ReceptionRating · Positive reviews · Number of ratings

挖财记账 holds the better App Store score, 4.6 against 2.3. That said, the two scores are not equally well evidenced: 挖财记账 has 253 ratings behind it against 3, so its average is the more settled of the two.

UpkeepUpdate frequency

记账宝 ships an update every 3 days, 挖财记账 fortnightly. The most recent releases landed on October 13, 2026 and October 22, 2026 respectively.

Scorecard4 real differences · 6 level
记账宝 versus 挖财记账: the parameters behind the verdict, then further details
Parameter记账宝挖财记账
PriceFreeFree
Rating2.3 (3 ratings)4.6 (253 ratings) — better
Positive reviews—58.7% of reviews
Number of ratings3253 — better
Update frequencyEvery 3 days — betterFortnightly
AdsYesYes
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhone, iPodiPhone, iPod
Requires iOS9.0 — better15.0
Further details — not scored
Size74 MB159 MB
Age rating4+9+
Developer俊松 何Hangzhou Yuancai Technology Co.,Ltd.

Customer experience

记账宝

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%

挖财记账

All ratings253 ratings
Positive88.5%
Neutral2.8%
Negative8.7%
Written reviews92 reviews
Positive58.7%
Neutral13.0%
Negative28.3%

Bugs and requests

记账宝

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
Show 68 more
  • 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
Show 40 more
  • 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

3 purchases

记账宝

One-time3
  • 1个月VIP$1.99
  • 6个月VIP$9.99
  • 12个月VIP$15.99
20 purchases

挖财记账

Subscriptions9
  • 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
Show 6 more
  • 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
One-time11
  • 标准月会员$1.99
  • 免广告年会员$1.99
  • 18元会员$2.99
Show 8 more
  • 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

Questions

Is 记账宝 free?
记账宝 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, 记账宝 or 挖财记账?
挖财记账 is rated higher. 记账宝 averages 2.3 out of 5 from 3 ratings, while 挖财记账 averages 4.6 from 253 ratings.
Do 记账宝 or 挖财记账 have ads?
Both 记账宝 and 挖财记账 show ads.
Which is updated more often, 记账宝 or 挖财记账?
记账宝 ships an update every 3 days, and 挖财记账 fortnightly. Most recently, 记账宝 was updated on October 13, 2026 and 挖财记账 on October 22, 2026.

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