一木记账 vs Cent
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
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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。
Cent
This finance app offers secure, self-hosted data storage via GitHub or WebDAV, eliminating third-party servers. It supports multi-currency transactions, recurring billing, and provides detailed statistical analysis and visualization tools for budget management.
- Self-hosted data storage (GitHub/WebDAV)
- Multi-currency support with real-time conversion
- Recurring billing templates
- Statistical analysis and visualization
- Budget management and progress monitoring
- iOS native support with widgets and shortcuts
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数据完全自持 账本数据保存在你的 GitHub/Gitee 私人仓库或 Web DAV 中，无需任何第三方服务器。通过 GitHub Collaborator 功能即可实现多人协作（需要解锁Cent Pro）。 iOS原生支持 全新液态玻璃设计，支持iOS桌面小组件和快捷指令，彻底摆脱浏览器限制 多币种 & 周期记账 支持 30+ 种国际货币及自定义币种，实时汇率自动转换，适合出国旅行和跨境消费。为订阅服务、自动续费等创建周期记账模板，自动生成账单。 统计分析 & 可视化 多维度筛选与趋势分析、自定义分析视图、预算管理与进度监控。在地图上查看消费足迹
Screenshots
Verdict
The clearest difference is rating: 一木记账 at 4.7 against Cent's 3.0. 一木记账 also leads on ratings volume (47 vs 2) and iOS requirement (15.0 vs 18.0). Cent's advantage is in-app purchases (none vs 3) and review sentiment (100% vs 85%). On price, update cadence, ads and monetization model 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. Cent asks for nothing beyond the download.
一木记账 holds the better App Store score, 4.7 against 3.0. That said, the two scores are not equally well evidenced: 一木记账 has 47 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 85% of 一木记账's written reviews are positive against 100% of Cent's, so the app with the better star average is not the one people write more warmly about.
一木记账 ships an update every 2 weeks, Cent weekly. The most recent releases landed on October 15, 2026 and October 5, 2026 respectively.
| Parameter | 一木记账 | Cent |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (47 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 85.4% of reviews | 100.0% of reviews — better |
| Number of ratings | 47 — better | 2 |
| Update frequency | Every 2 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Freemium |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 70 MB | 15 MB |
| Age rating | 4+ | 4+ |
| Developer | 泽天 胡 | 君 周 |
Customer experience
一木记账
Cent
In-app purchases
一木记账
- 一木记账月费高级会员$1.59
- 一木年费高级会员$7.99
- 一木永久高级会员$17.99
Cent
No in-app purchases
