财智快账 vs 挖财记账
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
财智快账
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财智快账,由财智软件出品,逾10年个人理财行业经验。 财智软件,国内理财软件市场的领航员,上千万理财用户的首选。 财智软件,多年来为国内数百家银行与金融机构提供优秀的理财软件产品与服务。服务过的银行及其他金融机构包括:中国银行、工商银行、建设银行、农业银行、招商银行、民生银行、交通银行、光大银行、浦发银行、兴业银行、中信银行、中国平安、工银瑞信等。 产品特点: 1, 永久免费,财智专业品牌保障。 2, 数据同步,财智快账与财智7(财智软件电脑客户端)、财智在线理财(网页端)三方数据完美同步。 3, 简单易用,保证新手快速入门。 4, 界面精致,图文并茂,生动有趣,使记账变得不再枯燥乏味。 财智公司官方网站: http://www.moneywise.com.cn
挖财记账
Effortlessly manage your finances with AI-powered expense tracking. Import transactions from various sources, set budgets, and gain clear insights into your spending habits. Optimize savings and achieve your financial goals.
- AI intelligent expense tracking
- Automatic import from WeChat, Alipay, banks
- Voice and screen recognition for quick entry
- Multi-user shared ledgers
- Comprehensive financial reports
- Budget and savings goal setting
- Asset and debt management
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AI智能导入，快速开始管理账单，微信、支付宝、银行等一键导入，立即体验满血的账单管理服务。 快捷指令自动记账，消费后双击记账，简单又有趣！ “钱花哪儿”一清二楚，省钱存钱从现在开始！ 【功能特色】 1、AI智能记账 - 语音快捷指令：用Siri唤起“挖财语音记账”或者自定义唤出方式，智能语音记账 - 识屏快捷指令：微信、支付宝消费后，打开账单页，轻敲手机背后马上记账 - 批量智能导入：微信、支付宝、银行等excel账单，一键导入，智能分类 - 周期自动记账：水电煤、公积金等定期按时入账，不必担心漏记 2、手动记账 - 类型丰富：支出、收入、转账、借贷、报销、退款账单全面支持 - 智能学习，遵循操作习惯，越用越顺手 - 速记模板，提前预设记账模板，秒记无压力 3、多人共享账本，多端实时同步 - 适合个人、家庭记账、生意合伙、团队项目等多场景共享 - 免费云备份，多端实时同步，换手机登录同账号，自动同步，数据无忧 4、全面的账单管理 - 账单明细：12个统计维度，支出、收入、转账、借贷、报销、退款等多种账单一处管理 - 日历账单：4种账单日历，每日收支一目了然，漏记补账方便快捷 - 账单搜索：输入关键词，快速检索各类型账单，轻松定位 - 超多报表：29种报表，多维度的报表帮你追踪花销流水 5、资金计划管理 - 覆盖信用卡还款、房租、水电、借贷还款等多种待办事项 - 快速统计未来某段时间的固定开支总金额，帮助管好现金流 - 可靠的提醒服务，重要款项不错过 6、资产负债 - 资产管理：管理资产和负债，“钱在哪儿”一目了然 - 信用卡管理：管理免息期、信用额度等，“羊毛”要薅到就是赚到 - 账户账单页，逐条账单对账，信息清晰明了 7、预算目标 - 支出、收入、结余都可独立设置预算目标，存钱省钱都满足 - 全部、年、季、月、周、日多周期预算，想管多细有多细 - 类别、成员、标签、商家等可设置子预算 - 创建一次，下个周期自动延续，管理更简单 8、个性化设置 - 账本封面，首页日历、报表、预算等7大模块定制服务 - 自定义类别、账户图标、个性化标签服务 - 账单列表样式设置等 9、其他特色 - 多币种：出国旅游、生活、工作，方便外币记账 - 数据安全：支持Face ID/指纹解锁账本 - 特色小组件：多样特色小组件，添加到手机桌面美观好用 【会员服务】 1、非连续订阅会员服务： - 基础会员：年会员，永久会员 - 标准会员：月会员，年会员 - 超级会员：月会员，年会员 2、连续订阅会员自动续费服务： - 订阅周期：1个月或1年 - 订阅价格：标准会员连续包月、标准会员连续包年、超级会员连续包月、超级会员连续包年 - 您的iTunes账户会在购买确认后立即扣款 - 购买连续订阅会员的帐号，会在每个月到期前24小时，自动在 iTunes 账户扣费并延长1个月或1年会员有效期 - 取消订阅应当在会员服务到期前，提前至少 24 小时完成，否则此订阅将继续有效 - 如需取消订阅，请手动打开手机「设置」， 进入「Apple ID」，选择「订阅」，选择订阅商品取消订阅即可。 服务协议： 1）付费会员服务协议：https://www.yuancaiyun.com/ikebana/contract/1E82B02865773CB8FDB9A16BA1AF1D06 2）连续订阅会员服务协议：https://www.yuancaiyun.com/ikebana/contract/970407CDD20C17DFB287CA654E93F7C6 3）个人信息保护政策：https://www.yuancaiyun.com/ikebana/contract/5165EC0CF11AF32B0FE5FD93521BCB39 4）用户服务协议：https://www.yuancaiyun.com/ikebana/contract/44FADE5EE6670BC7B6528021400E6EF0 【联系我们】 - 意见反馈：可通过我的-关于-邮箱发送邮件和我们联系 - 如果您喜欢我们的服务，请留下您的好评，让更多人看到我们！您的支持是我们前进的动力！
Screenshots
Verdict
The clearest difference is in-app purchases: 财智快账 at none against 挖财记账's 20. 财智快账 also leads on ads (none vs shown). 挖财记账's advantage is update cadence (every 2 weeks vs every 4 months) and ratings volume (253 vs 2). On price, rating, device support and iOS requirement 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. 挖财记账 sells 20 in-app purchases, starting at $0.99 per month. 财智快账 asks for nothing beyond the download.
On the App Store both sit at effectively the same score — 4.5 for 财智快账 against 4.6 for 挖财记账. That said, the two scores are not equally well evidenced: 挖财记账 has 253 ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 40% of 财智快账's written reviews are positive against 58% of 挖财记账's.
财智快账 ships an update every 4 months, 挖财记账 every 2 weeks. The most recent releases landed on October 1, 2026 and October 14, 2026 respectively.
| Parameter | 财智快账 | 挖财记账 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (2 ratings) | 4.6 (253 ratings) — better |
| Positive reviews | 40.0% of reviews | 58.2% of reviews — better |
| Number of ratings | 2 | 253 — better |
| Update frequency | Every 4 months | Every 2 weeks — better |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Monetization | — | Freemium |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 14.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 10 MB | 159 MB |
| Age rating | 4+ | 9+ |
| Developer | 成都财智软件有限公司 | Hangzhou Yuancai Technology Co.,Ltd. |
Customer experience
财智快账
挖财记账
Bugs and requests
财智快账
Not enough reviews yet to summarise bugs or requests.
挖财记账
Reported bugs
73 issues- Data disappearing or showing as blank
- App crashing on startup
- Slow loading times and lag
- Inaccurate calculations for totals and sums
- Automatic ad clicks and redirects
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- Screen remains blank upon opening
- Input not displaying immediately after entry
- Recurring transaction bugs
- Login failures and timeouts
- Inability to receive verification codes
- Cash calculation errors after updates
- App not syncing data
- Issues with facial recognition unlocking
- Unable to edit repayment interest
- Periodic account connection issues
- Network instability causing data unavailability
- Opening screen freezes
- Payment interest cannot be changed
- Spending flow calculation errors
- App automatically redirects to other app stores
- Freezing on startup screen
- Screen is blank after entering
- New version not displaying input immediately
- Monthly spending totals are incorrect
- Daily spending totals are incorrect
- Automatic entries for recurring transactions are inconsistent
- App crashes frequently
- Data is lost after updates
- Calculations are incorrect
- App is slow and laggy
- Ads are intrusive
- UI changes are confusing
- Features that were previously free are now paid
- Customer support is unreachable
- Smart customer service is unhelpful
- App not supporting widgets
- Cannot record zero-value transactions
- Icons and colors are not customizable
- User interface is not intuitive
- Unable to edit transaction details easily
- Recurring transaction bugs
- Login failures and timeouts
- Inability to receive verification codes
- Cash calculation errors after updates
- App not syncing data
- Issues with facial recognition unlocking
- Unable to edit repayment interest
- Periodic account connection issues
- Network instability causing data unavailability
- Opening screen freezes
- Payment interest cannot be changed
- Spending flow calculation errors
- App automatically redirects to other app stores
- Freezing on startup screen
- Screen is blank after entering
- New version not displaying input immediately
- Monthly spending totals are incorrect
- Daily spending totals are incorrect
- Automatic entries for recurring transactions are inconsistent
- App crashes frequently
- Data is lost after updates
- Calculations are incorrect
- App is slow and laggy
- Ads are intrusive
- UI changes are confusing
- Features that were previously free are now paid
- Customer support is unreachable
- Smart customer service is unhelpful
- App not supporting widgets
- Cannot record zero-value transactions
- Icons and colors are not customizable
- User interface is not intuitive
- Unable to edit transaction details easily
Requested features
45 requests- Adapt dark mode
- Add clear cache function
- Restore 'missed payment' option
- Improve UI/UX to be more like '圈子账本'
- Add tagging for sub-categorization
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- Add number formatting with commas
- Add option to edit/customize icons and colors
- Restore monthly budget remaining calculation
- Add ability to edit transaction details more easily
- Improve recurring transaction management
- Add ability to merge/migrate accounts
- Add support for widgets
- Improve search functionality with date ranges
- Add ability to reorder accounts
- Add ability to set custom background colors
- Add facial recognition/password lock for app access
- Improve budget feature with category comparison
- Add ability to split reimbursements
- Add support for multiple currencies and automatic exchange rate updates
- Improve user interface for better clarity and efficiency
- Restore community features for user interaction
- Restore financial management sections
- Add automatic bank/SMS data import
- Add option for partial refunds
- Improve loan/borrowing tracking clarity
- Add ability to set default values for fields
- Add ability to customize transaction entry fields
- Improve handling of zero-value transactions
- Add automatic recommendation for tags/merchants
- Restore ability to search nearby merchants
- Add ability to set default account for new transactions
- Add option to customize transaction entry interface
- Add ability to view historical data by month/year easily
- Add ability to adjust account name length limits
- Add ability to manage recurring transactions in a central place
- Add ability to select currency for new accounts
- Add ability to view account details by currency
- Add ability to customize transaction entry fields
- Add ability to set default account for new transactions
- Add ability to customize transaction entry interface
- Add ability to view historical data by month/year easily
- Add ability to adjust account name length limits
- Add ability to manage recurring transactions in a central place
- Add ability to select currency for new accounts
- Add ability to view account details by currency
In-app purchases
财智快账
No in-app purchases
挖财记账
- 标准会员连续包月$0.991 Month
- 超级会员连续包月$1.991 Month
- 标准VIP连续包月$1.991 Month
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- 超级VIP连续包月$3.991 Month
- 标准会员连续包年$6.991 Year
- 连续包年$7.991 Year
- 超级会员连续包年$14.991 Year
- 超级会员连续包年7 Days trial$14.991 Year
- 连续包年$17.991 Year
- 标准月会员$1.99
- 免广告年会员$1.99
- 18元会员$2.99
Show 8 moreShow fewer
- 基础永久会员$3.99
- 超级月会员$4.99
- 48元会员$6.99
- 标准两年会员$9.99
- 标准会员Plus$9.99
- 基础永久会员$9.99
- 超级两年会员$24.99
- 超级会员Plus$24.99
