Comparison

montra Book Keep vs 旺财

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

Head to head
About

montra Book Keep

Features
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Intelligent classification: Through intelligent algorithms that automatically identify income and expenses, accounting becomes more convenient. Cloud synchronization: View your ledger anytime, anywhere, with data safe and secure. Multiple ledger functionality: Meet your different accounting needs with custom ledger names and covers to easily manage multiple ledgers. Custom classification: Set your own classification names and icons to make accounting more flexible. Data analysis: Visualize your income and expenses through charts and data to help better plan your finances. Timed reminders: Help you overcome procrastination and record every expense on time. Sharing ledgers with friends: Supports multiple people to keep track of finances together, making money management simpler. Download this accounting app now and start your journey of financial management! Register now and receive special offers!

About

旺财

This AI-powered app helps you manage your debts and assets by automatically extracting loan details from images. It provides clear repayment plans, tracks cash flow, and offers insights into your financial health. All data is stored locally for maximum privacy.

Highlights
  • AI image recognition for debt extraction
  • Automated repayment plan generation
  • Cash flow tracking
  • Financial health assessment
  • Local data storage for privacy
  • Credit report import and analysis
Features
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拍一张借据,旺财帮你把账算明白。 旺财记账是一款完全本地化的 AI 资产与债务管家。 负债不用 Excel,不用记账 App 手动敲——扫一扫借据截图。 AI 自动提取本金、利率、期数,生成清晰的分期还款计划。 每个月该还多少、先还哪个最省钱,一目了然。 日常开销、还款、收入、支出等现金流水清晰呈现。 === 核心功能 === 【快捷记账】 基础功能不用说,快捷方便心不厌,0门槛快速养成记账习惯 支持微信、支付宝、各大银行app的交易对账识别,快速构建历史账目 【AI 扫图识债】 借据、信用报告、还款计划表——拍一下就行。 旺财自动识别金额、利率、期数、还款方式,不用你一个一个敲。 【还款流量图】 可拖拽的时间轴,一眼看清未来每个月要还多少。 点一下柱子,当期明细全部展开——本金多少、利息多少、 还剩几期,清清楚楚。占月收入比例实时计算, 还款压力是否可控,心里有数。 【信用报告导入】 支持人行信用报告 PDF/截图导入,自动解析信用卡 和贷款列表,增量合并、不重复建重复账。导入后可 逐项确认后再保存,你的手动修改不会被覆盖。 【分期还款计划】 等额本息、等额本金、先息后本、到期还本——都支持。 每期金额自动算好,到期日前提醒,每还一期点「已还」 即可,旺财自动更新剩余期数和余额。 【我的资产】 绑定银行卡、基金、房产,总资产实时更新。 净资产 = 总资产 - 总负债,一张图看懂家底。 【旺财健康分】 AI 综合评估你的负债率、月供占比、资产结构, 给出 0-100 的财务健康分和改进建议。分低了, 旺财会告诉你问题在哪里、该怎么调。 【隐私第一】 所有数据存储在您的设备上,绝不上传任何服务器。 AI 识别通过加密传输到deepseek或智谱等大模型官方接口,识别完成后不保留原始内容。 无需注册,打开即用。支持面容 ID / 密码保护。 【附件凭证】 借据原件、还款截图、合同 PDF——直接挂到对应的 债务下面。随时回查,不丢失任何凭证。 === 适合谁用 === • 有多笔贷款/信用卡,想汇总月供、利率、优先还哪个 • 借了钱想管清楚的人——拍照建档,不用 Excel • 需要整理信用报告的人——导入后自动归类 • 对自己财务状况心里没数的人——旺财帮你盯着 === 关于我们 === 守财狗由一支关心普通人财务健康的团队打造。 我们不碰你的数据,不上传你的文件。 每个功能都只为一个目的:让你少一件烦心事。 有建议或反馈? 邮件:alien1042421622@gmail.com 支持: https://jemarisan.github.io/guarddog-support/support.html 隐私政策: https://jemarisan.github.io/guarddog-support/privacy.html

Screenshots

montra Book Keep4 screens
旺财4 screens

Verdict

The call

The clearest difference is iOS requirement: montra Book Keep at 11.0 against 旺财's 18.0. On price, update cadence, ads and in-app purchases 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

montra Book Keep costs $0.99 and 旺财 $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

montra Book Keep ships an update fortnightly, 旺财 every 4 weeks. The most recent releases landed on October 25, 2026 and October 31, 2026 respectively.

Scorecard1 real difference · 7 level
montra Book Keep versus 旺财: the parameters behind the verdict, then further details
Parametermontra Book Keep旺财
Price$0.99$0.99
Positive reviews—0.0% of reviews
Update frequencyFortnightly — betterEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
Monetization—Paid
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS11.0 — better18.0
Further details — not scored
Size46 MB7 MB
Age rating17+4+
Developer洪坤 白铭高 袁

In-app purchases

None

montra Book Keep

No in-app purchases

None

旺财

No in-app purchases

Questions

Is montra Book Keep free?
montra Book Keep costs $0.99, with no in-app purchases.
Is 旺财 free?
旺财 costs $0.99, with no in-app purchases.
Do montra Book Keep or 旺财 have ads?
Neither montra Book Keep nor 旺财 shows ads.
Which is updated more often, montra Book Keep or 旺财?
montra Book Keep ships an update fortnightly, and 旺财 every 4 weeks. Most recently, montra Book Keep was updated on October 25, 2026 and 旺财 on October 31, 2026.

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