# 记账宝 vs 挖财记账

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.

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.

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.

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.

## The numbers

| Metric | 记账宝 | 挖财记账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (3 ratings)](https://appshunter.io/ios/app/id1523842007/reviews) | **[4.6 (253 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews)** |
| Number of ratings | 3 | **253** |
| Positive reviews | — | 58.7% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | **Every 3 days** | Fortnightly |
| Monetization | Free with in-app purchases | Freemium |
| Size | 74 MB | 159 MB |
| Requires iOS | **9.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [俊松 何](https://appshunter.io/developer/1523301201) | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) |

## What reviewers say

### 记账宝

[App page](https://appshunter.io/ios/app/id1523842007)

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:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1个月VIP | $1.99 | one-time |
| 6个月VIP | $9.99 | one-time |
| 12个月VIP | $15.99 | one-time |


### 挖财记账

[App page](https://appshunter.io/ios/app/ai/id1544045905)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (20)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 标准会员连续包月 | $0.99 | per month |
| 超级会员连续包月 | $1.99 | per month |
| 标准VIP连续包月 | $1.99 | per month |
| 超级VIP连续包月 | $3.99 | per month |
| 标准会员连续包年 | $6.99 | per year |
| 连续包年 | $7.99 | per year |
| 超级会员连续包年 | $14.99 | per year |
| 超级会员连续包年 | $14.99 | per year |
| 连续包年 | $17.99 | per year |
| 标准月会员 | $1.99 | one-time |
| 免广告年会员 | $1.99 | one-time |
| 18元会员 | $2.99 | one-time |
| 基础永久会员 | $3.99 | one-time |
| 超级月会员 | $4.99 | one-time |
| 48元会员 | $6.99 | one-time |
| 标准两年会员 | $9.99 | one-time |
| 标准会员Plus | $9.99 | one-time |
| 基础永久会员 | $9.99 | one-time |
| 超级两年会员 | $24.99 | one-time |
| 超级会员Plus | $24.99 | one-time |

**What reviewers like**

- 👍 Long-term user loyalty (10+ years)
- 👍 Comprehensive features
- 👍 Good for habit building
- 👍 Data migration from other apps
- 👍 Useful for tracking expenses

**What reviewers complain about**

- 🐛 Frequent performance issues (lag, slow)
- 🐛 Data loss/disappearance
- 🐛 Inconsistent calculation errors
- 🐛 Frequent crashes and freezes
- 🐛 UI/UX degradation after updates

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*