Flow记账 vs 有财记账
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Flow记账
Quickly record financial transactions and gain insights into spending habits. This app simplifies bookkeeping with a clear design, focusing on consumption rather than complex account balances. Data is saved locally for privacy and can be backed up automatically.
- Quick transaction recording
- Multi-dimensional transaction observation
- Improve consumption habits
- Enhance financial management
- Simple and clear design
- Local data saving for privacy
- Automatic data backup
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Flow 很高兴遇见你。 Flow 是一款通过快捷记录交易、多维度观测交易，改善自身消费习惯，提升内在理财能力的 App。 记账是理财的基础。Flow 中记录交易快捷、简单，只需金额和类别即可，让记账更加简单。 Flow 设计简单明了，没有复杂的帐户信息，关于记账，我们更应该关注于消费情况，而非帐户余额。 Flow 可以尽情的免费使用，部分功能需要购买 Pro 版本。Pro 版本一次性购买，永久可用。 Flow 无需登录，数据保存在本地，隐私不会泄漏。 数据会定时备份（如果 iCloud 可用，那么会备份在 iCloud 上） 如果您用使用上的问题，或者是功能上的建议，可通过邮件联络我们。 邮件： hello@yeseni.today 使用条款：https://yeseni-today.github.io/mematom-resources/flow/terms-of-use 隐私协议：https://yeseni-today.github.io/mematom-resources/flow/privacy-policy
有财记账
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这是一款清新简洁的记账工具， 攒钱、存钱小助手。 没有广告弹窗，没有社区分享，没有各种理财的推荐， 旨在帮助用户规划自己的财务状况 主要功能如下： 1. 账单明细 2. 快速记账 3. 账单分类管理 4. 多维度账单统计 5. 资产管理 6. 多账本管理(提供多种预置模版) 7. 预算管理(按月，按分类设置） 8. 账单导入，目前支持支付宝和微信，其他形式丰富中 9. iCloud备份 10. 周期记账 隐私协议： https://yqy921.github.io/tally/privacy 用户条款：https://yqy921.github.io/tally/terms
Screenshots
Verdict
The clearest difference is update cadence: 有财记账 at every 5 days against Flow记账's monthly. 有财记账 also leads on device support (3 vs 1) and iOS requirement (14.0 vs 26.0). On price, rating, ratings volume and ads 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. Flow记账 sells 1 one-off in-app purchase and 有财记账 sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 5.0 for Flow记账 against 5.0 for 有财记账. Both are backed by a comparable volume of ratings — 2 and 1 respectively.
Flow记账 ships an update monthly, 有财记账 every 5 days. The most recent releases landed on September 12, 2026 and September 14, 2026 respectively.
| Parameter | Flow记账 | 有财记账 |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) | 5.0 (1 ratings) |
| Number of ratings | 2 — better | 1 |
| Update frequency | Monthly | Every 5 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | — |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 26.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 23 MB | 32 MB |
| Age rating | 4+ | 4+ |
| Developer | 玉栋 侯 | 文冰 杨 |
Customer experience
Flow记账
有财记账
In-app purchases
Flow记账
- Flow Pro$0.99
有财记账
- 月度会员3 Days trial$0.991 Month
- 年度会员$7.991 Year
- 永久会员$14.99
