Comparison

記帳家 UrMoney vs BudgetAI

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

Head to head
About

記帳家 UrMoney

Effortlessly track your income, expenses, and transfers with a user-friendly interface and professional statistical data. Sync your records to the cloud for seamless access across devices, even offline.

Highlights
  • Record income, expenses, and transfers
  • Personalized categories and accounts
  • Detailed statistical charts
  • Account balance display
  • Cloud synchronization
  • Offline recording
  • Location and photo logging
  • Password lock for privacy
Features
Read full description

記帳,就由這裡開始吧. 簡單的操作介面將帶著您入門, 專業的統計資料可幫助您輕鬆取得自己的理財資訊. 記帳家APP提供了與雲端網站(https://www.urmoney.com.tw), 無間斷的行動記帳模式, 您可以在電腦上網記帳, 也可以在離線時使用APP記帳, 並透過上線的時間, 將帳目上傳到雲端空間裡, 享受隨手記帳和查詢帳目的便利性. 雲端網站 在 https://www.urmoney.com.tw 本軟體特別為手機記帳提供以下解決方案: 1. 不用擔心換手機或手機故障 因為記帳資料保存在雲端網站 2. 想記帳隨時隨地都可以記 當無法使用手機時, 請用電腦瀏覽器連上雲端網站 3. 延伸手機記帳的範圍 手機畫面太小許多功能不方便操作, 請用電腦瀏覽器連上雲端網站 , 我們還提供許多查帳和統計報表, 並且股票, 基金 都可以記帳的. 本軟體提供了以下功能: 1. 記錄 消費, 收入, 和 轉帳的帳目 2. 訂定個人化的科目和帳戶 3. 提供查帳的功能 4. 有清楚亦懂的統計圖表 5. 隨時顯示帳戶的餘額 6. 上傳帳目到雲端 7. 記帳時, 一併記錄地點和照片 8. 提供密碼鎖, 增加隱私保護 9. 可離線下進行記帳 常見問題: 1. 為什麼要註冊才能使用? 由於要將您寶貴的記帳資料上傳到雲端, 需要有帳號密碼作認證與保護 2. 可以和家人一起記帳在同一個帳戶嗎? 當然可以, 只要使用同一個帳號密碼登入, 在雲端或APP都可以同時記帳使用的. 3. 如果需要將我的記帳資料匯出, 可以作到嗎? 目前在雲端網站提供匯出功能, 只要將APP的帳目上傳到雲端後, 就可以自行下載了.

About

BudgetAI

Effortlessly track your income and expenses with this AI-powered bookkeeping app. Use voice commands or smart function calls to record transactions and gain instant financial insights through clear charts and practical widgets.

Highlights
  • AI-powered financial tracking
  • Voice command transaction recording
  • Smart function calls for data entry
  • Intuitive design with dark mode
  • Clear income and expense charts
  • Practical financial widgets
  • Taiwan e-Invoice Carrier tool
Read full description

BudgetAI | Your Smart Bookkeeping Companion BudgetAI is a user-friendly bookkeeping app powered by cutting-edge AI technology. Built with OpenAI and Realm DB, it simplifies tracking your finances by letting you record and review data effortlessly—whether through smart function calls or a quick voice command. Its sleek, intuitive design comes with dark mode to ease your eyes, while clear, simple charts give you an instant overview of your income and expenses. Plus, it’s packed with practical widgets like a Taiwan e-Invoice Carrier tool, a one-tap bookkeeping shortcut, a lock screen glance, and a control center quick link, making money management both fast and fuss-free. Terms of use:  https://zhangzhikai0208.github.io/LedgerLite/terms.html

Screenshots

記帳家 UrMoney4 screens
BudgetAI4 screens

Verdict

The call

The clearest difference is review sentiment: BudgetAI at 100% against 記帳家 UrMoney's 50%. BudgetAI also leads on update cadence (every 3 days vs every 3 months). 記帳家 UrMoney's advantage is in-app purchases (none vs 5) and iOS requirement (13.0 vs 17.0). On price, ads and device support 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

Both are free to download. BudgetAI sells 5 in-app purchases, starting at $0.99 per month. 記帳家 UrMoney asks for nothing beyond the download.

UpkeepUpdate frequency

記帳家 UrMoney ships an update every 3 months, BudgetAI every 3 days. The most recent releases landed on October 12, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
記帳家 UrMoney versus BudgetAI: the parameters behind the verdict, then further details
Parameter記帳家 UrMoneyBudgetAI
PriceFreeFree
Rating5.0 (3 ratings) — better—
Positive reviews50.0% of reviews100.0% of reviews — better
Number of ratings3 — better—
Update frequencyEvery 3 monthsEvery 3 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPod — betteriPhone
Requires iOS13.0 — better17.0
Further details — not scored
Size15 MB42 MB
Age rating4+4+
DeveloperUrMoneyChih-Kai Chang

Customer experience

記帳家 UrMoney

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive50.0%
Neutral50.0%
Negative0.0%

BudgetAI

Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

記帳家 UrMoney

No in-app purchases

5 purchases

BudgetAI

Subscriptions2
  • A big thanks$0.991 Month
  • A big thanks$9.991 Year
One-time3
  • Support the creator$0.99
  • Support the creator$3.99
  • Say goodbye to AD forever$9.99

Questions

Is 記帳家 UrMoney free?
記帳家 UrMoney is free to download, with no in-app purchases.
Is BudgetAI free?
BudgetAI is free to download, with in-app purchases available.
Do 記帳家 UrMoney or BudgetAI have ads?
Neither 記帳家 UrMoney nor BudgetAI shows ads.
Which is updated more often, 記帳家 UrMoney or BudgetAI?
記帳家 UrMoney ships an update every 3 months, and BudgetAI every 3 days. Most recently, 記帳家 UrMoney was updated on October 12, 2026 and BudgetAI on October 24, 2026.

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