# 小贝记账 vs 咔比荷包

The clearest difference is rating: 小贝记账 at 5.0 against 咔比荷包's 4.1. 咔比荷包's advantage is ads (none vs shown). On price, review sentiment, ratings volume and update cadence there is nothing between them.

Both are free to download. 小贝记账 sells 14 in-app purchases, starting at $0.99 per 7 days and 咔比荷包 sells 11 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

小贝记账 holds the better App Store score, 5.0 against 4.1. Both are backed by a comparable volume of ratings — 3 and 7 respectively. Written reviews point the same way: 33% of 小贝记账's written reviews are positive against 27% of 咔比荷包's.

小贝记账 ships an update every 10 days, 咔比荷包 every 9 days. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | 小贝记账 | 咔比荷包 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (3 ratings)](https://appshunter.io/ios/app/ai/id1670831180/reviews)** | [4.1 (7 ratings)](https://appshunter.io/ios/app/ai/id6630370989/reviews) |
| Number of ratings | 3 | **7** |
| Positive reviews | **32.6% of reviews** | 27.3% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 10 days | **Every 9 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 243 MB | 208 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Chongqing LiangZeMu Technology Co., Ltd.](https://appshunter.io/developer/1247382482) | [重庆皮皮喵喵科技有限公司](https://appshunter.io/developer/1762355269) |

## What reviewers say

### 小贝记账

[App page](https://appshunter.io/ios/app/ai/id1670831180)

This app helps you manage your finances with AI-powered automatic categorization and a user-friendly interface. Track expenses, set budgets, and monitor your savings goals with various planning tools. It's designed to promote rational consumption and wealth accumulation.

**Highlights:** AI-powered chat-based expense recording, Automatic income and expense recognition, Comprehensive asset account management, Multiple savings plan options, Category-based budget control, Calendar view for income/expense tracking, Detailed consumption statistics

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

**In-app purchases (14)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 周会员 | $0.99 | per 7 days |
| 小贝月度会员 | $2.99 | per month |
| 月度会员 | $2.99 | per month |
| 免费试用三天包月会员 | $3.99 | per month |
| 免费试用五天包月会员 | $3.99 | per month |
| 免费试用七天包月会员 | $3.99 | per month |
| 小贝记账-季度会员 | $5.99 | per 3 months |
| 季度会员 | $7.99 | per 3 months |
| 免费试用七天包年会员 | $7.99 | per year |
| 小贝记账-打卡活动报名费 | $9.99 | per year |
| 小贝记账-记账打卡报名费 | $9.99 | per year |
| 特惠永久会员 | $4.99 | one-time |
| 限时促销永久会员 | $12.99 | one-time |
| 小贝永久会员 | $14.99 | one-time |


### 咔比荷包

[App page](https://appshunter.io/ios/app/ai/id6630370989)

This app uses AI to make tracking expenses fun and effortless, helping you build good habits and reach financial goals. It offers shared accounts and savings plans for couples, promoting financial and relational freedom.

**Highlights:** AI-powered expense tracking, Effortless habit building, Automated financial review, Shared accounts for couples, Joint savings goal planning, Personalized financial goals

**Features:** macOS Compatibility, Siri integration, Vision Pro support

**In-app purchases (11)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 单人连续包月 | $0.99 | per month |
| 单人连续包月 | $0.99 | per month |
| 双人连续包月 | $1.99 | per month |
| 双人连续包月 | $1.99 | per month |
| 双人连续包季 | $4.99 | per 3 months |
| 双人连续包年 | $9.99 | per year |
| 双人连续包年 | $12.99 | per year |
| 双人连续包年 | $14.99 | per year |
| 双人连续包年 | $14.99 | per year |
| 365天打卡挑战 | $12.99 | one-time |
| 双人三年VIP会员 | $22.99 | one-time |


## Frequently asked questions

### Is 小贝记账 free?

小贝记账 is free to download, with in-app purchases available.

### Is 咔比荷包 free?

咔比荷包 is free to download, with in-app purchases available.

### Which has better reviews, 小贝记账 or 咔比荷包?

小贝记账 is rated higher. 小贝记账 averages 5.0 out of 5 from 3 ratings, while 咔比荷包 averages 4.1 from 7 ratings.

### Do 小贝记账 or 咔比荷包 have ads?

小贝记账 shows ads; 咔比荷包 does not.

### Which is updated more often, 小贝记账 or 咔比荷包?

小贝记账 ships an update every 10 days, and 咔比荷包 every 9 days. Most recently, 小贝记账 was updated on September 23, 2026 and 咔比荷包 on September 22, 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.*