# 财智快账 vs 挖财记账

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.

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.

## The numbers

| Metric | 财智快账 | 挖财记账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (2 ratings)](https://appshunter.io/ios/app/id487590016/reviews) | **[4.6 (253 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews)** |
| Number of ratings | 2 | **253** |
| Positive reviews | 40.0% of reviews | **58.2% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 4 months | **Every 2 weeks** |
| Monetization | — | Freemium |
| Size | 10 MB | 159 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [成都财智软件有限公司](https://appshunter.io/developer/487590019) | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) |

## What reviewers say

### 财智快账

[App page](https://appshunter.io/ios/app/id487590016)

**Features:** macOS Compatibility

**In-app purchases:** none


### 挖财记账

[App page](https://appshunter.io/ios/app/ai/id1544045905)

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.

**Highlights:** 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

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

**In-app purchases (20)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 标准会员连续包月 | $0.99 | per month |
| 超级会员连续包月 | $1.99 | per month |
| 标准VIP连续包月 | $1.99 | per month |
| 超级VIP连续包月 | $3.99 | per month |
| 标准会员连续包年 | $6.99 | per year |
| 连续包年 | $7.99 | per year |
| 超级会员连续包年 | $14.99 | per year |
| 超级会员连续包年 | $14.99 | per year |
| 连续包年 | $17.99 | per year |
| 标准月会员 | $1.99 | one-time |
| 免广告年会员 | $1.99 | one-time |
| 18元会员 | $2.99 | one-time |
| 基础永久会员 | $3.99 | one-time |
| 超级月会员 | $4.99 | one-time |
| 48元会员 | $6.99 | one-time |
| 标准两年会员 | $9.99 | one-time |
| 标准会员Plus | $9.99 | one-time |
| 基础永久会员 | $9.99 | one-time |
| 超级两年会员 | $24.99 | one-time |
| 超级会员Plus | $24.99 | one-time |

**What reviewers like**

- 👍 Long-term user loyalty (10+ years)
- 👍 Comprehensive features
- 👍 Good for habit building
- 👍 Data migration from other apps
- 👍 Useful for tracking expenses

**What reviewers complain about**

- 🐛 Frequent performance issues (lag, slow)
- 🐛 Data loss/disappearance
- 🐛 Inconsistent calculation errors
- 🐛 Frequent crashes and freezes
- 🐛 UI/UX degradation after updates

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked questions

### Is 财智快账 free?

财智快账 is free to download, with no in-app purchases.

### Is 挖财记账 free?

挖财记账 is free to download, with in-app purchases available.

### Which has better reviews, 财智快账 or 挖财记账?

挖财记账 is rated higher. 财智快账 averages 4.5 out of 5 from 2 ratings, while 挖财记账 averages 4.6 from 253 ratings.

### Do 财智快账 or 挖财记账 have ads?

挖财记账 shows ads; 财智快账 does not.

### Which is updated more often, 财智快账 or 挖财记账?

财智快账 ships an update every 4 months, and 挖财记账 every 2 weeks. Most recently, 财智快账 was updated on October 1, 2026 and 挖财记账 on October 14, 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.*