# 财小蜜 vs 财记Folio

The clearest difference is rating: 财记Folio at 5.0 against 财小蜜's 4.2. 财小蜜's advantage is monetization model (free vs free with in-app purchases) and review sentiment (95% vs 80%). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. 财小蜜 sells 16 one-off in-app purchases and 财记Folio sells 3 in-app purchases, starting at $3.99 per 3 months. Whichever you choose, the download price is not the number that matters.

财记Folio holds the better App Store score, 5.0 against 4.2. Both are backed by a comparable volume of ratings — 5 and 2 respectively. Written reviews complicate that: 95% of 财小蜜's written reviews are positive against 80% of 财记Folio's, so the app with the better star average is not the one people write more warmly about.

财小蜜 ships an update every 8 days, 财记Folio weekly. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | 财小蜜 | 财记Folio |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (5 ratings)](https://appshunter.io/ios/app/id6459060527/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/folio/id6763980794/reviews)** |
| Number of ratings | **5** | 2 |
| Positive reviews | **95.2% of reviews** | 80.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 8 days | **Weekly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 115 MB | 25 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 12+ | 4+ |
| Developer | [杭州财晓觅科技有限公司](https://appshunter.io/developer/1745241191) | [沥翔 柳](https://appshunter.io/developer/1895583886) |

## What reviewers say

### 财小蜜

[App page](https://appshunter.io/ios/app/id6459060527)

This app helps individuals with complex financial structures manage all their assets in one place. It tracks investments across multiple markets, currencies, and asset types, providing insights into net worth and investment performance. It also offers robust budgeting, debt management, and data import/export capabilities.

**Highlights:** Multi-market investment tracking, Multi-currency automatic conversion, Investment yield calculation, Cryptocurrency & precious metal support, Multi-account asset consolidation, Advanced budgeting and debt management, Data import and AI-powered bookkeeping

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

**In-app purchases (16)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 财小蜜年付会员基础版 | $0.99 | one-time |
| 财小蜜1元积分礼包 | $0.99 | one-time |
| 财小蜜年付会员基础版 | $2.99 | one-time |
| 财小蜜年付会员专业版 | $3.99 | one-time |
| 财小蜜年付会员专业版 | $4.99 | one-time |
| 财小蜜永久VIP | $7.99 | one-time |
| 财小蜜年付会员投资版 | $9.99 | one-time |
| 财小蜜年付会员投资版 | $14.99 | one-time |
| 财小蜜永久会员专业版版 | $14.99 | one-time |
| 财小蜜VIP永久会员 | $14.99 | one-time |
| 财小蜜永久会员专业版 | $19.99 | one-time |
| 财小蜜年付会员投资版 | $39.99 | one-time |
| 财小蜜永久会员投资版 | $39.99 | one-time |
| 财小蜜永久VIP无限积分版 | $39.99 | one-time |
| 财小蜜年付会员投资版 | $49.99 | one-time |
| 财小蜜永久会员投资版 | $59.99 | one-time |


### 财记Folio

[App page](https://appshunter.io/ios/app/folio/id6763980794)

Manage diverse assets like stocks, funds, and crypto in one place. Automates price updates and imports holdings via screenshots, simplifying tracking and investment analysis.

**Highlights:** Automatic price updates, Screenshot import for holdings, Multi-asset dashboard, Dollar-cost averaging tracking, Dividend record display, Multi-currency support

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 财记Folio 季度 | $3.99 | per 3 months |
| 财记Folio 年付 | $7.99 | per year |
| 财记Folio · 永久买断 | $29.99 | one-time |


## Frequently asked questions

### Is 财小蜜 free?

财小蜜 is free to download, with in-app purchases available.

### Is 财记Folio free?

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

### Which has better reviews, 财小蜜 or 财记Folio?

财记Folio is rated higher. 财小蜜 averages 4.2 out of 5 from 5 ratings, while 财记Folio averages 5.0 from 2 ratings.

### Do 财小蜜 or 财记Folio have ads?

Neither 财小蜜 nor 财记Folio shows ads.

### Which is updated more often, 财小蜜 or 财记Folio?

财小蜜 ships an update every 8 days, and 财记Folio weekly. Most recently, 财小蜜 was updated on October 30, 2026 and 财记Folio on October 28, 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.*