一木记账 vs 咔皮记账
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
一木记账
This finance app offers multiple ways to log expenses, including voice and text input. It provides comprehensive asset management, detailed financial statistics, and efficient calendar-based bill tracking. The app also features unique import/export capabilities and customizable settings without any advertisements.
- Voice and text expense logging
- Asset and credit account management
- Detailed income/expense statistics
- Calendar view for bills and reminders
- Third-party bill import from screenshots
- Ad-free and no financial advice
- Customizable themes and icons
Read full descriptionHide full description
一木记账——专注效率的智能记账软件。 不插广告，不推理财产品，只做记账这一件事。 【记一笔，最快只要一句话】 · 语音记账：说「午饭 32」，金额、分类、账户、时间自动填好，确认即入账 · 一句话文字记账：不方便说话就打一行字，同样能识别 · 语音快捷指令：通过快捷指令说一句话记账，全程不用打开 App · 自动记账：把账单截图交给快捷指令，自动识别并填好这笔账 · 导入 AI 识别账单：让你常用的 AI 助手读图，识别结果一键导入，单笔与批量都支持 · 手动记账：自定义键盘，常用分类与账户一屏可达 【小组件，不打开 App 也能记和看】 · 锁屏组件：圆形、矩形、行内三种样式，抬手即见预算与余额 · 桌面组件：预算、周趋势、日历热力图、金价等 20 余款 · 自定义组件：自己挑数据和样式，搭一个只属于你的组件 【强大的资产管理】 · 信贷账户与消费分期：出账、还款一笔不漏 · 还款提醒：信用卡、房贷、到期本地通知，提醒时间可自定义 · 多类资产统一管理：借贷、定期、股票、贵金属、多币种 · 报销与退款：标记待报销，支持多次退款关联 · 资产走势与分布桑基图，钱的流向一眼看清 【全面的账单统计】 · 月、年、自定义周期的收支统计 · 分类统计、标签统计、预算统计 · 年度热力图：一年的记账习惯一屏看完 【高效的日历查阅】 每日收支与还款提醒，尽在日历视图一目了然。 【独有的导入导出】 · 第三方平台账单截图一键导入，自动识别 · 支持多个第三方平台的 Excel 账单导入 · 高度自由的账单导出，可导 Excel 【多人账本】 扫码加入同一个账本，家庭、情侣、室友共同记账。 【举重若轻的功能】 标签、周期记账、愿望清单、账单拆分、批量编辑、WebDAV 备份、iCloud 与云端备份、多主题、自定义 App 图标、自由的个性化设置。 【干净纯粹】 不带任何广告，不带任何理财信息，只为记账而生。
咔皮记账
This app simplifies expense tracking with AI-powered automatic recording and categorization. It offers features like multi-account management, intelligent budgeting, and financial analysis to help users understand their spending habits and manage their money more effectively. Users can also record thoughts, moods, and to-dos, making it a comprehensive personal organizer.
- AI automatic recording and categorization
- Unlimited multi-account management
- Intelligent budget planning
- Asset account management
- Voice-based quick entry
- Record moods and thoughts
Read full descriptionHide full description
咔皮记账是为热爱生活的记账达人设计的记账app，多种便捷方式快速记账，助你更好制定消费预算，清楚掌握钱花在哪，理财更轻松！ 【核心功能亮点】 - 自动记账：AI 自动记录与分类，解放双手，记账从未如此简单！ - 还可以记：还可以记待办、记想法、记心情，你的生活都能记 - 多账本 ：无限多账本，随心使用无限制！ - 资产管理：资产管理，把你的资产账户管理的明明白白！ - 智能预算规划：AI 推荐个性化预算，动态调整每日支出，花钱更理性！ - AI 理财助手： 智能分析消费模式，结合多维可视化图表，精准掌握财务状况！ - 语音极速记账：说句话就能记账，无需打字，随时随地轻松记录！ - 一句话记多笔：一句话输入多个收支，AI 自动拆分，高效完成！ - 极简手账风格：支持记录心情、碎碎念，让记账更有温度！ 【联系我们】 - 小红书：咔皮记账 觉得好用？欢迎五星好评支持我们！
Screenshots
Verdict
The clearest difference is in-app purchases: 咔皮记账 at none against 一木记账's 3. 咔皮记账 also leads on ratings volume (51K vs 44) and update cadence (every 3 days vs every 2 weeks). 一木记账's advantage is review sentiment (87% vs 74%). On price, rating, ads and device support 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
Both are free to download. 一木记账 sells 3 one-off in-app purchases. 咔皮记账 asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 4.8 for 一木记账 against 4.8 for 咔皮记账. That said, the two scores are not equally well evidenced: 咔皮记账 has 51K ratings behind it against 44, so its average is the more settled of the two. Written reviews are what separate them: 87% of 一木记账's written reviews are positive against 74% of 咔皮记账's.
一木记账 ships an update every 2 weeks, 咔皮记账 every 3 days. The most recent releases landed on September 24, 2026 and September 26, 2026 respectively.
| Parameter | 一木记账 | 咔皮记账 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (44 ratings) | 4.8 (51K ratings) — better |
| Positive reviews | 87.2% of reviews — better | 73.7% of reviews |
| Number of ratings | 44 | 51K — better |
| Update frequency | Every 2 weeks | Every 3 days — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 66 MB | 185 MB |
| Age rating | 4+ | 4+ |
| Developer | 泽天 胡 | Shanghai Yuhuan Technology Co., LTD |
Customer experience
一木记账
咔皮记账
In-app purchases
一木记账
- 一木记账月费高级会员$0.99
- 一木年费高级会员$6.99
- 一木永久高级会员$17.99
咔皮记账
No in-app purchases
