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 fortnightly, AI记账 every 10 days. The most recent releases landed on September 26, 2026 and September 13, 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 (249 ratings) — better—
Positive reviews58.9% of reviews—
Number of ratings249 — better—
Update frequencyFortnightlyEvery 10 days — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFreemium—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size158 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 fortnightly, and AI记账 every 10 days. Most recently, 挖财记账 was updated on September 26, 2026 and AI记账 on September 13, 2026.

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