# 挖财记账 vs 小猫记账

The clearest difference is ads: 小猫记账 at none against 挖财记账's shown. 小猫记账 also leads on rating (5.0 vs 4.6) and update cadence (every 5 days vs fortnightly). 挖财记账's advantage is ratings volume (249 vs 1). On price, in-app purchases, monetization model and device support 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 小猫记账 sells 3 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

小猫记账 holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: 挖财记账 has 249 ratings behind it against 1, so its average is the more settled of the two.

挖财记账 ships an update fortnightly, 小猫记账 every 5 days. The most recent releases landed on September 30, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | 挖财记账 | 小猫记账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (249 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/id1664032129/reviews)** |
| Number of ratings | **249** | 1 |
| Positive reviews | 58.9% of reviews | — |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | **Every 5 days** |
| Monetization | Freemium | Freemium |
| Size | 158 MB | 96 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) | [克填 姜](https://appshunter.io/developer/1543901280) |

## 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


### 小猫记账

[App page](https://appshunter.io/ios/app/id1664032129)

A simple and elegant personal finance tracker designed for effortless budgeting and expense management. It offers clear visualizations of spending habits and supports multiple accounts with automatic cloud synchronization. Focuses solely on core accounting features without distractions.

**Highlights:** Budget management with daily spending planning, Categorized expense tracking, Customizable daily reminders, Exportable transaction reports, Calendar view of daily expenses, Multi-wallet support, Automatic iCloud cloud sync, Detailed spending analysis charts

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 周会员 | $0.99 | per 7 days |
| 月会员 | $0.99 | per month |
| 年会员 | $4.99 | per year |


## Frequently asked questions

### Is 挖财记账 free?

挖财记账 is free to download, with in-app purchases available.

### Is 小猫记账 free?

小猫记账 is free to download, with in-app purchases available.

### Which has better reviews, 挖财记账 or 小猫记账?

小猫记账 is rated higher. 挖财记账 averages 4.6 out of 5 from 249 ratings, while 小猫记账 averages 5.0 from 1 ratings.

### Do 挖财记账 or 小猫记账 have ads?

挖财记账 shows ads; 小猫记账 does not.

### Which is updated more often, 挖财记账 or 小猫记账?

挖财记账 ships an update fortnightly, and 小猫记账 every 5 days. Most recently, 挖财记账 was updated on September 30, 2026 and 小猫记账 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.*