# 记账鴨 vs 还款备忘录

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.

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.

## The numbers

| Metric | 记账鴨 | 还款备忘录 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (10 ratings)](https://appshunter.io/ios/app/id6444359371/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/id6505100127/reviews) |
| Number of ratings | **10** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Freemium | **Free** |
| Size | 156 MB | 14 MB |
| Requires iOS | 12.0 | 12.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 12+ | 4+ |
| Developer | [嘉茵 陈](https://appshunter.io/developer/1652000951) | [Shenzhen Yunzhongzhang Technology Co., Ltd.](https://appshunter.io/developer/1755132038) |

## What reviewers say

### 记账鴨

[App page](https://appshunter.io/ios/app/id6444359371)

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.

**Highlights:** 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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 月订阅vip | $1.49 | per month |
| 年订阅vip | $5.99 | per year |
| 心愿清单永久会员 | $12.99 | one-time |


### 还款备忘录

[App page](https://appshunter.io/ios/app/id6505100127)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is 记账鴨 free?

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

### Is 还款备忘录 free?

还款备忘录 is free to download, with no in-app purchases.

### Which has better reviews, 记账鴨 or 还款备忘录?

记账鴨 is rated higher. 记账鴨 averages 4.8 out of 5 from 10 ratings, while 还款备忘录 averages 1.0 from 1 ratings.

### Do 记账鴨 or 还款备忘录 have ads?

Neither 记账鴨 nor 还款备忘录 shows ads.

### Which is updated more often, 记账鴨 or 还款备忘录?

记账鴨 ships an update fortnightly, and 还款备忘录 monthly. Most recently, 记账鴨 was updated on October 24, 2026 and 还款备忘录 on October 19, 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.*