# 挖财记账 vs 懒猫记账Pro

The clearest difference is monetization model: 挖财记账 at freemium against 懒猫记账Pro's subscription. 挖财记账 also leads on rating (4.6 vs 4.1). 懒猫记账Pro's advantage is review sentiment (70% vs 59%) and iOS requirement (13.0 vs 15.0). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. 挖财记账 sells 20 in-app purchases, starting at $0.99 per month and 懒猫记账Pro sells 16 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 4.1. Both are backed by a comparable volume of ratings — 249 and 102 respectively. Written reviews complicate that: 59% of 挖财记账's written reviews are positive against 70% of 懒猫记账Pro's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly fortnightly. Both last shipped on September 30, 2026.

## The numbers

| Metric | 挖财记账 | 懒猫记账Pro |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (249 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews)** | [4.1 (102 ratings)](https://appshunter.io/ios/app/pro-1/id1553660004/reviews) |
| Number of ratings | **249** | 102 |
| Positive reviews | 58.9% of reviews | **69.7% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | Yes |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | **Freemium** | Subscription |
| Size | 158 MB | 219 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) | [春城 贾](https://appshunter.io/developer/1501061855) |

## What reviewers say

### 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


### 懒猫记账Pro

[App page](https://appshunter.io/ios/app/pro-1/id1553660004)

This app helps you track daily expenses, business transactions, travel costs, and household finances with multiple customizable ledgers. It offers quick entry, budget reminders, and detailed financial analysis through charts and reports, all while ensuring your data is securely backed up to iCloud.

**Highlights:** Multiple customizable ledgers, Quick expense entry, Budget reminders, Financial analysis charts, Secure iCloud data backup, Customizable themes

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

**In-app purchases (16)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 懒猫记账Pro月度自动续期会员 | $0.99 | per month |
| 懒猫记账Pro月度自动续期会员8 | $0.99 | per month |
| 懒猫记账Pro月度自动续期会员15 | $1.99 | per month |
| 懒猫记账Pro月度自动续期会员18 | $1.99 | per month |
| 懒猫记账Pro月度自动续期会员12 | $1.99 | per month |
| 懒猫记账Pro季度自动续期会员24 | $2.99 | per 3 months |
| 懒猫记账Pro月度会员28 | $3.99 | per month |
| 懒猫记账Pro年度自动续期会员36 | $4.99 | per year |
| 懒猫记账Pro季度自动续期会员36 | $4.99 | per 3 months |
| 懒猫记账Pro年度自动续期会员50 | $6.99 | per year |
| 懒猫记账Pro年度会员108 | $14.99 | per year |
| 懒猫记账Pro永久会员30 | $3.99 | one-time |
| 懒猫记账Pro永久会员45 | $5.99 | one-time |
| 新懒猫记账Pro永久会员 | $12.99 | one-time |
| 懒猫记账Pro永久会员 | $12.99 | one-time |
| 懒猫记账Pro新永久会员188 | $29.99 | one-time |


## Frequently asked questions

### Is 挖财记账 free?

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

### Is 懒猫记账Pro free?

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

### Which has better reviews, 挖财记账 or 懒猫记账Pro?

挖财记账 is rated higher. 挖财记账 averages 4.6 out of 5 from 249 ratings, while 懒猫记账Pro averages 4.1 from 102 ratings.

### Do 挖财记账 or 懒猫记账Pro have ads?

Both 挖财记账 and 懒猫记账Pro show ads.

### Which is updated more often, 挖财记账 or 懒猫记账Pro?

挖财记账 ships an update fortnightly, and 懒猫记账Pro fortnightly. Most recently, 挖财记账 was updated on September 30, 2026 and 懒猫记账Pro on September 30, 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.*