# 懒猫记账 vs 小贝记账

The clearest difference is review sentiment: 懒猫记账 at 80% against 小贝记账's 33%. 懒猫记账 also leads on ratings volume (37 vs 3) and iOS requirement (13.0 vs 15.6). 小贝记账's advantage is rating (5.0 vs 4.8). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. 懒猫记账 sells 16 in-app purchases, starting at $0.99 per month and 小贝记账 sells 14 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

小贝记账 holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: 懒猫记账 has 37 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 80% of 懒猫记账's written reviews are positive against 33% of 小贝记账's, so the app with the better star average is not the one people write more warmly about.

懒猫记账 ships an update weekly, 小贝记账 every 10 days. The most recent releases landed on September 24, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | 懒猫记账 | 小贝记账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (37 ratings)](https://appshunter.io/ios/app/and/id1530724951/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/ai/id1670831180/reviews)** |
| Number of ratings | **37** | 3 |
| Positive reviews | **80.5% of reviews** | 32.6% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | **Weekly** | Every 10 days |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 219 MB | 243 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [春城 贾](https://appshunter.io/developer/1501061855) | [Chongqing LiangZeMu Technology Co., Ltd.](https://appshunter.io/developer/1247382482) |

## What reviewers say

### 懒猫记账

[App page](https://appshunter.io/ios/app/and/id1530724951)

This app helps you track daily expenses, business transactions, travel costs, and family budgets with multiple customizable ledgers. It offers quick entry, budget reminders, and clear financial analysis through various charts and reports. Data is automatically backed up to iCloud for security and easy recovery.

**Highlights:** Multiple customizable ledgers, Quick expense entry, Budget monitoring and reminders, Financial analysis with charts, Automatic iCloud data backup, Variety of scene-specific ledgers

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (16)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 懒猫记账月度自动续期会员 | $0.99 | per month |
| 懒猫记账月度自动续期会员8 | $0.99 | per month |
| 懒猫记账月度自动续期会员15 | $1.99 | per month |
| 懒猫记账月度自动续期会员12 | $1.99 | per month |
| 懒猫记账月度自动续期会员18 | $1.99 | per month |
| 懒猫记账季度自动续期会员24 | $2.99 | per 3 months |
| 懒猫记账月度会员28 | $3.99 | per month |
| 懒猫记账年度自动续期会员36 | $4.99 | per year |
| 懒猫记账季度自动续期会员36 | $4.99 | per 3 months |
| 懒猫记账年度自动续期会员48 | $6.99 | per year |
| 懒猫记账年度会员108 | $14.99 | per year |
| 懒猫记账永久会员30 | $3.99 | one-time |
| 懒猫记账三年会员68 | $9.99 | one-time |
| 懒猫记账三年会员88 | $12.99 | one-time |
| 懒猫记账永久会员 | $12.99 | one-time |
| 新懒猫记账永久会员 | $12.99 | one-time |


### 小贝记账

[App page](https://appshunter.io/ios/app/ai/id1670831180)

This app helps you manage your finances with AI-powered automatic categorization and a user-friendly interface. Track expenses, set budgets, and monitor your savings goals with various planning tools. It's designed to promote rational consumption and wealth accumulation.

**Highlights:** AI-powered chat-based expense recording, Automatic income and expense recognition, Comprehensive asset account management, Multiple savings plan options, Category-based budget control, Calendar view for income/expense tracking, Detailed consumption statistics

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (14)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 周会员 | $0.99 | per 7 days |
| 小贝月度会员 | $2.99 | per month |
| 月度会员 | $2.99 | per month |
| 免费试用三天包月会员 | $3.99 | per month |
| 免费试用五天包月会员 | $3.99 | per month |
| 免费试用七天包月会员 | $3.99 | per month |
| 小贝记账-季度会员 | $5.99 | per 3 months |
| 季度会员 | $7.99 | per 3 months |
| 免费试用七天包年会员 | $7.99 | per year |
| 小贝记账-打卡活动报名费 | $9.99 | per year |
| 小贝记账-记账打卡报名费 | $9.99 | per year |
| 特惠永久会员 | $4.99 | one-time |
| 限时促销永久会员 | $12.99 | one-time |
| 小贝永久会员 | $14.99 | one-time |


## Frequently asked questions

### Is 懒猫记账 free?

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

### Is 小贝记账 free?

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

### Which has better reviews, 懒猫记账 or 小贝记账?

小贝记账 is rated higher. 懒猫记账 averages 4.8 out of 5 from 37 ratings, while 小贝记账 averages 5.0 from 3 ratings.

### Do 懒猫记账 or 小贝记账 have ads?

Both 懒猫记账 and 小贝记账 show ads.

### Which is updated more often, 懒猫记账 or 小贝记账?

懒猫记账 ships an update weekly, and 小贝记账 every 10 days. Most recently, 懒猫记账 was updated on September 24, 2026 and 小贝记账 on September 23, 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.*