记账鴨 vs 还款备忘录
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
记账鴨
This app helps you manage your finances with easy-to-use tools for tracking expenses, planning budgets, and saving money. It offers visual charts and summaries to understand your spending habits and asset status, with cloud sync for data security.
- Expense and income tracking
- Budget planning and savings goals
- Financial charts and reports
- Asset and debt management
- Cloud synchronization across devices
- Customizable themes and appearance
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嗨~我不止是一只萌萌的心愿鸭,更是你的心愿好帮手!将繁琐账单交给我,还你优雅记录体验! 心愿鸭,一款纯净无广、安全易用的极速记账本,一键记录多笔账,智能汇总收支、消费偏好图表,帮你清晰财务状况,理清消费习惯,轻松养成记录好习惯。 【专业记录,轻量便捷】 多情景账本管理、资产账户汇总、报销退款记录、预算消费规划、存钱储蓄计划...丰富功能个性化定制,打造专属你的好用心愿清单! 【丰富图表,直观统计】 全周期、分类、标签消费趋势数据图表、支出日历热力图,直观呈现不同时段消费变化,高效率查账,掌控一切消费细节! 【资产汇总,逾期提醒】 轻松记录资产、债务情况,全面了解资产状况,合理规划财务,避免欠款逾期罚款! 【告别担忧,放心记录】 支持多设备使用,全平台无缝自动云同步,卸载也不怕数据丢失,加密传输时刻保护数据不被偷窥~ 【精美外观,趣味记账】 20+款精美主题皮肤,舒适养眼,同时支持自定义账本封面,充满记账动力!更有超多可爱鸭鸭勋章等你获取! -------- 心愿鸭会员是自动订阅的形式,提供按月或按年订阅。 价格为¥8 每月以及¥38每年。 价格可能会因为地理位置的不同而不同。确认购买时会从您的 Apple ID 帐户扣款。除非您在当前订阅期结束前至少 24 小时取消订阅,否则订阅会自动续订。系统会在当前订阅期结束前 24 小时内,从您的帐户扣除续订费用。完成购买后,您可以前往 App Store 的帐户设置来管理和取消您的订阅。 隐私政策: http://yaya.wujiapp.cn/yayaPolicy.html 服务条款: http://yaya.wujiapp.cn/yayaTerms.html 会员协议: http://yaya.wujiapp.cn/yayaVipAgreement.html
还款备忘录
Easily track and manage all your loans, including car loans, mortgages, and personal credit. Get clear repayment plans and calendars to avoid late payments and stay on top of your financial obligations.
- Comprehensive debt tracking for multiple loan types
- Intuitive bill calendar with repayment dates
- Clear repayment plans and progress tracking
- Card-based summary of all loan projects
- Add car loans, mortgages, and personal credit
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还款备忘录是您在管理债务时的最佳选择。 让您的债务每一笔每一期都清晰明了~ 车贷、房贷以及各种消费信用贷都能记,轻松解决债务管理难题! 【全面债务追踪】 我们提供多家机构、多种类型的贷款管理,让您可以轻松追踪和管理各种类型的债务。无论是车贷、房贷还是个人消费贷,都能快速完成添加,实现一站式债务管控; 【贴心账单日历】 清晰显示每笔债务的还款时间、金额,随时掌握还款动态,确保按时足额还款,避免逾期带来的不良影响; 【清晰还款计划】 每添加一个贷款项目,对应形成一份还款计划表。详细呈现还款进度、还款金额等信息,让您牢牢掌握每一笔债务情况,做到心中有底,还款有序; 【贷款项目进度】 将所有贷款汇总到一起以卡片的形式展示,简洁直观。展示还款金额、还款进度、还款日期等关键信息,一目了然; 【适合以下人群】 - 有多种贷款需要管理的上班族,避免因忙碌而遗漏还款; - 理财意识强的个人,希望清晰掌握自己的债务状况,合理规划资金; - 准备购房、购车等有大额贷款的人群,提前做好还款规划; - 小微企业主,管理企业贷款及个人债务,确保资金流稳定; …… 【团队寄语】本产品专注于各种类型债务管理,为您提供全面、贴心的债务管理服务,告别债务压力,开启财务自由新篇章!
Screenshots
Verdict
The clearest difference is rating: 记账鴨 at 4.8 against 还款备忘录's 1.0. 记账鴨 also leads on ratings volume (10 vs 1). 还款备忘录's advantage is in-app purchases (none vs 3). On price, update cadence, 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
Both are free to download. 记账鴨 sells 3 in-app purchases, starting at $1.49 per month. 还款备忘录 asks for nothing beyond the download.
记账鴨 holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: 记账鴨 has 10 ratings behind it against 1, so its average is the more settled of the two.
记账鴨 ships an update fortnightly, 还款备忘录 monthly. The most recent releases landed on October 24, 2026 and October 19, 2026 respectively.
| Parameter | 记账鴨 | 还款备忘录 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (10 ratings) — better | 1.0 (1 ratings) |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 10 — better | 1 |
| Update frequency | Fortnightly — better | Monthly |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 12.0 | 12.0 |
| Further details — not scored | ||
| Size | 156 MB | 14 MB |
| Age rating | 12+ | 4+ |
| Developer | 嘉茵 陈 | Shenzhen Yunzhongzhang Technology Co., Ltd. |
Customer experience
记账鴨
还款备忘录
In-app purchases
记账鴨
- 月订阅vip$1.491 Month
- 年订阅vip$5.991 Year
- 心愿清单永久会员$12.99
还款备忘录
No in-app purchases









