# 挖财记账 vs Paylist

The clearest difference is review sentiment: Paylist at 100% against 挖财记账's 59%. Paylist also leads on ads (none vs shown) and rating (5.0 vs 4.6). 挖财记账's advantage is ratings volume (253 vs 1) and iOS requirement (15.0 vs 18.6). 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 Paylist sells 3 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

Paylist 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 253 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 59% of 挖财记账's written reviews are positive against 100% of Paylist's.

挖财记账 ships an update fortnightly, Paylist every 4 days. The most recent releases landed on October 22, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | 挖财记账 | Paylist |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (253 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/paylist-subscription-tracker/id6805378284/reviews)** |
| Number of ratings | **253** | 1 |
| Positive reviews | 58.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | **Every 4 days** |
| Monetization | Freemium | Freemium |
| Size | 159 MB | 20 MB |
| Requires iOS | **15.0** | 18.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 9+ | 4+ |
| Developer | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) | [权东 李](https://appshunter.io/developer/6793769256) |

## 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


### Paylist

[App page](https://appshunter.io/ios/app/paylist-subscription-tracker/id6805378284)

Manage all your recurring expenses and one-time purchases in one place. Get timely reminders for renewals and expirations to avoid unwanted charges. Track your spending across different periods and currencies.

**Highlights:** Subscription management, Renewal and expiration reminders, Payment tracking, Spending analysis by period, Multi-currency support, Local data backup and export

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Paylist Premium (Monthly) | $1.99 | per month |
| Paylist Premium (Yearly) | $16.99 | per year |
| Paylist Premium (Lifetime) | $19.99 | 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 Paylist free?

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

### Which has better reviews, 挖财记账 or Paylist?

Paylist is rated higher. 挖财记账 averages 4.6 out of 5 from 253 ratings, while Paylist averages 5.0 from 1 ratings.

### Do 挖财记账 or Paylist have ads?

挖财记账 shows ads; Paylist does not.

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

挖财记账 ships an update fortnightly, and Paylist every 4 days. Most recently, 挖财记账 was updated on October 22, 2026 and Paylist on October 11, 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.*