Comparison

挖财记账 vs 来记账本

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

来记账本

This app helps individuals manage their personal finances by tracking income and expenses. It offers customizable categories, detailed statistics, and budgeting tools. Secure data storage and import/export options are also provided.

Highlights
  • Customizable income/expense categories
  • Detailed statistical analysis
  • Budget creation and management
  • Multiple asset account types
  • Shared accounting for family
  • Secure encrypted data storage
  • Bill import and export
Features
Read full description

Laiji Ledger "is an asset management accounting app that is completely customized for individuals, without advertising! No community! No financial management! After returning home from work every day, organize the day's asset expenses and income, and record the arrival of the accounting book app Rich functions ① Basic accounting function, including expenses, income, transfers, and support for refunds. Multiple refunds can be processed for a single transaction, and associated images are supported ② Built in rich revenue and expenditure categories, what? Not enough for you? It's okay! You can completely customize the desired classification! We will regularly update our custom gallery! ③ Super powerful statistical function, supporting statistics in different dimensions such as year, quarter, month, week, and day for bills, with a considerable degree of freedom! ④ With powerful basic statistical functions, the perfect Chart can be displayed at a glance! ⑤ It supports almost all types of asset management methods, such as cash account, credit account, recharge account, investment account and debt. It will tell you in secret that entering stock and fund code can help you automatically update the asset situation! (Note that we only count the asset situation and do not involve any financial management functions) ⑥ Budget function, in addition to built-in year, quarter, month, week, and day budget types, you can also customize dimension budgets. For example, if you make an appointment with that person to go to Dali for a 7-day romantic journey, then creating a 7-day budget can automatically manage expense budgets! ⑦ Account management, in addition to the built-in daily ledger, you can also create your own ledger! For example, family ledger and baby ledger, pay attention! We support shared accounting among members! Invite him to record the household ledger with you and jointly manage the household expenses and income situation~ ⑧ Data security is guaranteed. Whether you are a free user or not, your data will be uploaded to the server through special encryption methods, which is very secure! ⑨ Super powerful import and export functions, supporting the import of bills from dozens of other platforms, as well as multi-dimensional and highly customized export methods. Come and give it a try! ⑩ There are other practical features waiting for you to discover! 【 Automatic renewal service description 】 ·Subscription cycle: 1 week (VIP member), 1 month (VIP member), and 1 year (VIP member). ·Subscription price: VIP membership service for consecutive weeks is 3 yuan per week; The continuous monthly VIP membership service is 12 yuan per month; The continuous VIP membership service is 60 yuan per year, and the discounted price for limited time events is only 36 yuan for the first year. ·Payment: The payment is made through the user's iTunes account, and the payment is made upon confirmation of the purchase. ·Cancel Renewal: To cancel the renewal, please manually turn off the automatic renewal feature in iTunes/Apple ID settings management 24 hours before the current subscription cycle expires. ·Renewal: The Apple iTunes account will be charged within 24 hours before its expiration. After successful deduction, the subscription cycle will be extended by one subscription cycle. ·To book this VIP service agreement: https://www.walletbagapp.com/docs/#/user_agreement/user_vip_agreement ·Bookkeeping Automatic Renewal Service Agreement: https://www.walletbagapp.com/docs/#/user_agreement/user_vip_auto_renew_agreement If you have any questions or opinions during use, please enter the official QQ channel: https://pd.qq.com/s/etyac3qw8 If you enjoy keeping a ledger, please leave your review in the App Store. Your five-star review will become a driving force for our continuous progress!

Screenshots

挖财记账4 screens
来记账本4 screens

Verdict

The call

The clearest difference is ads: 来记账本 at none against 挖财记账's shown. 来记账本 also leads on review sentiment (78% vs 59%). On price, update cadence, in-app purchases and monetization model 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 来记账本 sells 4 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

挖财记账 ships an update fortnightly, 来记账本 every 3 weeks. The most recent releases landed on September 26, 2026 and September 22, 2026 respectively.

Scorecard2 real differences · 8 level
挖财记账 versus 来记账本: the parameters behind the verdict, then further details
Parameter挖财记账来记账本
PriceFreeFree
Rating4.6 (249 ratings) — better—
Positive reviews58.9% of reviews77.8% of reviews — better
Number of ratings249 — better—
Update frequencyFortnightly — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.6
Further details — not scored
Size158 MB48 MB
Age rating9+4+
DeveloperHangzhou Yuancai Technology Co.,Ltd.百强 陈

Customer experience

挖财记账

All ratings249 ratings
Positive89.2%
Neutral2.4%
Negative8.4%
Written reviews90 reviews
Positive58.9%
Neutral12.2%
Negative28.9%

来记账本

Written reviews9 reviews
Positive77.8%
Neutral0.0%
Negative22.2%

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

来记账本

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
4 purchases

来记账本

Subscriptions2
  • Monthly Member$1.991 Month
  • Annual Member1 Year trial$8.991 Year
One-time2
  • Coffee$3.99
  • Life Member$12.99

Questions

Is 挖财记账 free?
挖财记账 is free to download, with in-app purchases available.
Is 来记账本 free?
来记账本 is free to download, with in-app purchases available.
Do 挖财记账 or 来记账本 have ads?
挖财记账 shows ads; 来记账本 does not.
Which is updated more often, 挖财记账 or 来记账本?
挖财记账 ships an update fortnightly, and 来记账本 every 3 weeks. Most recently, 挖财记账 was updated on September 26, 2026 and 来记账本 on September 22, 2026.

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