Comparison

来记账本 vs 明白记账

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

来记账本

This app helps individuals manage their personal finances by tracking income and expenses. It offers customizable categories, detailed statistics, and budgeting tools. Secure data storage and import/export options are also provided.

Highlights
  • Customizable income/expense categories
  • Detailed statistical analysis
  • Budget creation and management
  • Multiple asset account types
  • Shared accounting for family
  • Secure encrypted data storage
  • Bill import and export
Features
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Laiji Ledger "is an asset management accounting app that is completely customized for individuals, without advertising! No community! No financial management! After returning home from work every day, organize the day's asset expenses and income, and record the arrival of the accounting book app Rich functions ① Basic accounting function, including expenses, income, transfers, and support for refunds. Multiple refunds can be processed for a single transaction, and associated images are supported ② Built in rich revenue and expenditure categories, what? Not enough for you? It's okay! You can completely customize the desired classification! We will regularly update our custom gallery! ③ Super powerful statistical function, supporting statistics in different dimensions such as year, quarter, month, week, and day for bills, with a considerable degree of freedom! ④ With powerful basic statistical functions, the perfect Chart can be displayed at a glance! ⑤ It supports almost all types of asset management methods, such as cash account, credit account, recharge account, investment account and debt. It will tell you in secret that entering stock and fund code can help you automatically update the asset situation! (Note that we only count the asset situation and do not involve any financial management functions) ⑥ Budget function, in addition to built-in year, quarter, month, week, and day budget types, you can also customize dimension budgets. For example, if you make an appointment with that person to go to Dali for a 7-day romantic journey, then creating a 7-day budget can automatically manage expense budgets! ⑦ Account management, in addition to the built-in daily ledger, you can also create your own ledger! For example, family ledger and baby ledger, pay attention! We support shared accounting among members! Invite him to record the household ledger with you and jointly manage the household expenses and income situation~ ⑧ Data security is guaranteed. Whether you are a free user or not, your data will be uploaded to the server through special encryption methods, which is very secure! ⑨ Super powerful import and export functions, supporting the import of bills from dozens of other platforms, as well as multi-dimensional and highly customized export methods. Come and give it a try! ⑩ There are other practical features waiting for you to discover! 【 Automatic renewal service description 】 ·Subscription cycle: 1 week (VIP member), 1 month (VIP member), and 1 year (VIP member). ·Subscription price: VIP membership service for consecutive weeks is 3 yuan per week; The continuous monthly VIP membership service is 12 yuan per month; The continuous VIP membership service is 60 yuan per year, and the discounted price for limited time events is only 36 yuan for the first year. ·Payment: The payment is made through the user's iTunes account, and the payment is made upon confirmation of the purchase. ·Cancel Renewal: To cancel the renewal, please manually turn off the automatic renewal feature in iTunes/Apple ID settings management 24 hours before the current subscription cycle expires. ·Renewal: The Apple iTunes account will be charged within 24 hours before its expiration. After successful deduction, the subscription cycle will be extended by one subscription cycle. ·To book this VIP service agreement: https://www.walletbagapp.com/docs/#/user_agreement/user_vip_agreement ·Bookkeeping Automatic Renewal Service Agreement: https://www.walletbagapp.com/docs/#/user_agreement/user_vip_auto_renew_agreement If you have any questions or opinions during use, please enter the official QQ channel: https://pd.qq.com/s/etyac3qw8 If you enjoy keeping a ledger, please leave your review in the App Store. Your five-star review will become a driving force for our continuous progress!

About

明白记账

Features
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与竞品的区别: 1.市面上的记账应用收支记账做得花里胡哨,但是资产记录功能相对不足。 2.明白记账在注重收支记录的同时还异常强调帮助用户做好资产的记录和分析。 收支记录功能 收支流水、收支日历、收支趋势、收支分布 资产记录功能: 资产记录、定期理财自动计算、股票基金自动更新净值、按揭贷款自动计算、资产分布、资产趋势、资产负责健康分析等 预算设置功能: 添加收支预算、根据资产负债自动生产资产负债的收支预算等 自动记账: 单次自动记录、每月自动记录、收支自动记录联动资产的自动记录

Screenshots

来记账本4 screens
明白记账4 screens

Verdict

The call

The clearest difference is price: 来记账本 at Free against 明白记账's $1.99. 来记账本 also leads on device support (3 vs 1) and iOS requirement (15.6 vs 17.0). 明白记账's advantage is in-app purchases (none vs 4) and update cadence (every 6 days vs every 3 weeks). On review sentiment 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

CostPrice · In-app purchases · Ads · Monetization

来记账本 is free to download; 明白记账 costs $1.99 up front. 来记账本 sells 4 in-app purchases, starting at $1.99 per month. 明白记账 asks for nothing beyond the download.

UpkeepUpdate frequency

来记账本 ships an update every 3 weeks, 明白记账 every 6 days. The most recent releases landed on October 8, 2026 and October 27, 2026 respectively.

Scorecard5 real differences · 3 level
来记账本 versus 明白记账: the parameters behind the verdict, then further details
Parameter来记账本明白记账
PriceFree — better$1.99
Positive reviews77.8% of reviews — better75.0% of reviews
Update frequencyEvery 3 weeksEvery 6 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.6 — better17.0
Further details — not scored
Size48 MB15 MB
Age rating4+4+
Developer百强 陈炜炜 陆

Customer experience

来记账本

Written reviews9 reviews
Positive77.8%
Neutral0.0%
Negative22.2%

明白记账

Written reviews16 reviews
Positive75.0%
Neutral12.5%
Negative12.5%

In-app purchases

4 purchases

来记账本

Subscriptions2
  • Monthly Member$1.991 Month
  • Annual Member1 Year trial$8.991 Year
One-time2
  • Coffee$3.99
  • Life Member$12.99
None

明白记账

No in-app purchases

Questions

Is 来记账本 free?
来记账本 is free to download, with in-app purchases available.
Is 明白记账 free?
明白记账 costs $1.99, with no in-app purchases.
Do 来记账本 or 明白记账 have ads?
Neither 来记账本 nor 明白记账 shows ads.
Which is updated more often, 来记账本 or 明白记账?
来记账本 ships an update every 3 weeks, and 明白记账 every 6 days. Most recently, 来记账本 was updated on October 8, 2026 and 明白记账 on October 27, 2026.

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