# 挖财记账 vs 来记账本

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.

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.

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.

## The numbers

| Metric | 挖财记账 | 来记账本 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (249 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews)** | — |
| Number of ratings | **249** | — |
| Positive reviews | 58.9% of reviews | **77.8% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Freemium | Free with in-app purchases |
| Size | 158 MB | 48 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 9+ | 4+ |
| Developer | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) | [百强 陈](https://appshunter.io/developer/1585159021) |

## 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


### 来记账本

[App page](https://appshunter.io/ios/app/id1662298467)

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:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Member | $1.99 | per month |
| Annual Member | $8.99 | per year |
| Coffee | $3.99 | one-time |
| Life Member | $12.99 | 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 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*