# 挖财记账 vs 一木记账

The clearest difference is ads: 一木记账 at none against 挖财记账's shown. 一木记账 also leads on review sentiment (85% vs 58%). 挖财记账's advantage is ratings volume (253 vs 47). On price, rating, update cadence and in-app purchases 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 一木记账 sells 3 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 4.6 for 挖财记账 against 4.7 for 一木记账. That said, the two scores are not equally well evidenced: 挖财记账 has 253 ratings behind it against 47, so its average is the more settled of the two. Written reviews are what separate them: 58% of 挖财记账's written reviews are positive against 85% of 一木记账's.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 18, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | 挖财记账 | 一木记账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (253 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews) | **[4.7 (47 ratings)](https://appshunter.io/ios/app/id1572969723/reviews)** |
| Number of ratings | **253** | 47 |
| Positive reviews | 58.2% of reviews | **85.4% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Freemium | Free with in-app purchases |
| Size | 159 MB | 70 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 9+ | 4+ |
| Developer | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) | [泽天 胡](https://appshunter.io/developer/1572962963) |

## 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


### 一木记账

[App page](https://appshunter.io/ios/app/id1572969723)

This finance app offers multiple ways to log expenses, including voice and text input. It provides comprehensive asset management, detailed financial statistics, and efficient calendar-based bill tracking. The app also features unique import/export capabilities and customizable settings without any advertisements.

**Highlights:** Voice and text expense logging, Asset and credit account management, Detailed income/expense statistics, Calendar view for bills and reminders, Third-party bill import from screenshots, Ad-free and no financial advice, Customizable themes and icons

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 一木记账月费高级会员 | $1.59 | one-time |
| 一木年费高级会员 | $7.99 | one-time |
| 一木永久高级会员 | $17.99 | 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 一木记账 free?

一木记账 is free to download, with in-app purchases available.

### Which has better reviews, 挖财记账 or 一木记账?

一木记账 is rated higher. 挖财记账 averages 4.6 out of 5 from 253 ratings, while 一木记账 averages 4.7 from 47 ratings.

### Do 挖财记账 or 一木记账 have ads?

挖财记账 shows ads; 一木记账 does not.

### Which is updated more often, 挖财记账 or 一木记账?

挖财记账 ships an update every 2 weeks, and 一木记账 every 2 weeks. Most recently, 挖财记账 was updated on October 18, 2026 and 一木记账 on October 19, 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.*