Comparison

挖财记账 vs AI记账

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

Head to head
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!

About

AI记账

Features
Read full description

● 简介 初次相遇, 希望你我在这里有”相见恨晚“的感觉! AI记账,爱记账。 一款反思记账, 赋予记账更多的意义和价值。 精致、简单、轻量便捷, 远远不止如此。 有你们的开始, 未来可期! 内卷的路上, 已是疲惫不堪。 消费一笔,记一笔, 繁琐而又冷冰冰的数字, 有悲有喜, 从内到外更加疲惫, 结果只落下悲! 夜晚, 安静, 总是被停不下思绪, 打破! 播放一首轻音乐, 深呼吸中回忆当天那些事! 有每天清晨去熟悉的街道买那熟悉的梅菜味包子, 还不忘一杯无糖豆浆! 有工作遇到一些小情绪的时候,一个人买买来治愈! 等等... 一串串动态的数字, 只醉于当下, 却止步于未来! 到月底了想不起钱花哪里了? 别忘了, 与AI记账一起断舍离那些没必要的消费! 合理的记账就是省钱, 生活从这一刻开始将变的美好。 这里没有广告, 只有纯粹的反思记账! 极致的体验,简洁的设计,超出你的想象。 ● AI记账有哪些功能? -- 反思记账,快速完成每一笔账单; -- 没必要支出,反思哪些账单是没有必要的消费; -- 自定义记账时间; -- 消费、收入细致分类,一目了然; -- 资产管理,多处资产,一处管理; -- 本月待还款,当天还会提醒,再也不用担心会逾期; -- 记账流程,有温度的设计,极致记账体验,好的超乎想象; -- 全部账单,快速筛选,每一笔消费清晰可见; -- 数据统计,消费趋势,没必要支出,一目了然,还会温馨提示减少不必要支出; -- Cloud 云端备份,记账数据实时同步在云端; -- 记账提醒; -- 隐私保护,密码、面容 ID 解锁; -- 隐藏总金额; -- 导出账单; -- 预算设置; ● 关于 AI记账高级版的订阅服务 -- 订阅周期 1个月(连续包月)、12个月(连续包年产品)、一次性买断。 选择按1个月(连续包月)或12个月(连续包年产品)来使用该服务,在每个订阅周期即将结束时,您的订阅默认将自动续费,除非您自行取消自动续费,或者由我们取消该服务。同一个 Apple ID 只能给 AI记账开通一次订阅服务。 选择一次性买断属于一次性解锁付费,当您选择买断之后,可以无限使用高级付费功能,无需要再次付费,永久有效。 -- 订阅价格 连续包月产品每月6元;连续包年每年58元;一次性买断168元。该价格可能会在促销时期有所变化。当价格调整后,新的费用将会在您的下一个订阅周期发生。 -- 付款 通过用户的iTunes账户扣款,用户确认购买后即付款。 -- 退款 当期的订阅和一次性买断费用将无法退款。请务必确保功能服务满足您的需求。 -- 取消订阅 如需取消续订,请至少提前24小时操作取消。您可以通过如下方法取消:打开系统设置 - 点击 Apple ID - 点击订阅 - 选择 AI记账高级版,取消订阅即可。 -- 恢复购买 如果在支付过程中,收到提示 “您目前已经订阅该项目”,并且确定之前完成了购买,可以点击右上角 “恢复购买” 进行恢复。 -- 联系我们 如果您对本使用条款有任何疑问,可以通过发送邮件到 allanbestone@163.com 联系我们,感谢您的支持与使用。 使用条款:http://aijizhangsy.plasmic.site/ 隐私政策:http://aijizhang.plasmic.site/ 如果你喜欢 AI记账,请考虑在 App Store 留下一个评价,帮助我们进一步优化。

Screenshots

挖财记账4 screens
AI记账4 screens

Verdict

The call

The clearest difference is ads: AI记账 at none against 挖财记账's shown. On price, update cadence, in-app purchases and device support 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. 挖财记账 sells 20 in-app purchases, starting at $0.99 per month and AI记账 sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

挖财记账 ships an update every 2 weeks, AI记账 every 10 days. The most recent releases landed on October 18, 2026 and October 16, 2026 respectively.

Scorecard1 real difference · 9 level
挖财记账 versus AI记账: the parameters behind the verdict, then further details
Parameter挖财记账AI记账
PriceFreeFree
Rating4.6 (253 ratings) — better—
Positive reviews58.2% of reviews—
Number of ratings253 — better—
Update frequencyEvery 2 weeksEvery 10 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size159 MB53 MB
Age rating9+4+
DeveloperHangzhou Yuancai Technology Co.,Ltd.世强 吴

Bugs and 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

AI记账

Not enough reviews yet to summarise bugs or requests.

In-app purchases

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
3 purchases

AI记账

Subscriptions2
  • AI记账月付会员(自动续费)$0.991 Month
  • AI记账年付会员(自动续费)$8.491 Year
One-time1
  • AI 记账永久会员$14.99

Questions

Is 挖财记账 free?
挖财记账 is free to download, with in-app purchases available.
Is AI记账 free?
AI记账 is free to download, with in-app purchases available.
Do 挖财记账 or AI记账 have ads?
挖财记账 shows ads; AI记账 does not.
Which is updated more often, 挖财记账 or AI记账?
挖财记账 ships an update every 2 weeks, and AI记账 every 10 days. Most recently, 挖财记账 was updated on October 18, 2026 and AI记账 on October 16, 2026.

Other comparisons