# 挖财记账 vs Luqi Accounting

The clearest difference is ads: Luqi Accounting at none against 挖财记账's shown. Luqi Accounting also leads on review sentiment (81% vs 58%) and rating (4.8 vs 4.6). 挖财记账's advantage is ratings volume (256 vs 5). 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 Luqi Accounting sells 6 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

Luqi Accounting holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: 挖财记账 has 256 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 58% of 挖财记账's written reviews are positive against 81% of Luqi Accounting's.

挖财记账 ships an update fortnightly, Luqi Accounting weekly. The most recent releases landed on October 30, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | 挖财记账 | Luqi Accounting |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (256 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews) | **[4.8 (5 ratings)](https://appshunter.io/ios/app/luqi-accounting/id6475526737/reviews)** |
| Number of ratings | **256** | 5 |
| Positive reviews | 58.1% of reviews | **81.3% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 159 MB | 45 MB |
| Requires iOS | 15.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) | [小青 李](https://appshunter.io/developer/1630861725) |

## What reviewers say

### 挖财记账

[App page](https://appshunter.io/ios/app/ai/id1544045905)

Effortlessly manage your finances with AI-powered automatic accounting. Import transactions from various platforms, track spending, set budgets, and gain insights into your financial health with comprehensive reports. Ideal for personal, family, or business use.

**Highlights:** AI-powered automatic accounting, Import from WeChat, Alipay, banks, Voice and screen recognition for quick entry, Comprehensive reports and statistics, Budgeting and financial planning, Multi-user shared ledgers, Asset and liability 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


### Luqi Accounting

[App page](https://appshunter.io/ios/app/luqi-accounting/id6475526737)

This app simplifies financial management with intuitive accounting tools. It offers detailed insights into spending, income, and trends through charts and reports. Securely manage multiple accounts and bills locally with iCloud backup and advanced security features.

**Highlights:** Simple and user-friendly accounting, Detailed consumption trend analysis, Multi-account management, Data security with local backup, Comprehensive bill management, Intuitive interface design

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

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 1 month continuous VIP | $0.99 | per month |
| 3 months continuous VIP | $2.99 | per 3 months |
| 1 year continuous VIP service | $9.99 | per year |
| 1 year VIP service | $9.99 | one-time |
| 2 years VIP | $17.99 | one-time |
| Lifetime Member | $29.99 | 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 Luqi Accounting free?

Luqi Accounting is free to download, with in-app purchases available.

### Which has better reviews, 挖财记账 or Luqi Accounting?

Luqi Accounting is rated higher. 挖财记账 averages 4.6 out of 5 from 256 ratings, while Luqi Accounting averages 4.8 from 5 ratings.

### Do 挖财记账 or Luqi Accounting have ads?

挖财记账 shows ads; Luqi Accounting does not.

### Which is updated more often, 挖财记账 or Luqi Accounting?

挖财记账 ships an update fortnightly, and Luqi Accounting weekly. Most recently, 挖财记账 was updated on October 30, 2026 and Luqi Accounting on October 27, 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.*