Comparison

明白记账 vs FIRE记账

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

Head to head
About

明白记账

Features
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与竞品的区别: 1.市面上的记账应用收支记账做得花里胡哨,但是资产记录功能相对不足。 2.明白记账在注重收支记录的同时还异常强调帮助用户做好资产的记录和分析。 收支记录功能 收支流水、收支日历、收支趋势、收支分布 资产记录功能: 资产记录、定期理财自动计算、股票基金自动更新净值、按揭贷款自动计算、资产分布、资产趋势、资产负责健康分析等 预算设置功能: 添加收支预算、根据资产负债自动生产资产负债的收支预算等 自动记账: 单次自动记录、每月自动记录、收支自动记录联动资产的自动记录

About

FIRE记账

This app helps you manage your assets, liabilities, and monthly income/expenses. It goes beyond simple number tracking to provide in-depth insights into your financial situation, including real-time stock and fund price updates and automated loan repayment plans.

Highlights
  • Asset and liability management
  • Real-time stock and fund price updates
  • Automated loan repayment plans
  • Automatic transaction recording
  • Credit card management
  • Recurring income/expense tracking
  • Loan calculation tool
Features
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FIRE记账是一款专注于资产、负债以及每月收支管理的记账软件,相比于其他记账软件,FIRE记账能更深度的记录您的资产和负债,而不是只是记录一个数字。其中资产可以添加中港美所有的股票和基金,并实时为您更新最新价格。负债支持市面上所有借贷的添加,包括微粒贷、借呗、房贷、公积金贷等,并自动生成每月还款计划和更新剩余金额,还款日前提醒,再也不怕忘记还贷款。 【特色功能】 1.支持中港美所有的股票和基金的记录,并能自动更新资产的最新价格 2.资产自动除息分红。攒股吃息党的福音,打通资产与现金的壁垒,股票分红日自动入账 3.负债管理,支持市面上所有借贷的添加,能生成还款计划,并自动更新剩余欠款。还款日前提醒,再也不怕忘记还款 4.自动记账,微信支付宝支付后自动记账,告别繁琐手记 5.信用卡管理,支持信用卡记账,自动生成账单 6.工资助手,只需一次配置,未来每月自动计入工资,告别手记 7.定期收入、支出管理,适用于租金、物业费、伙食费等固定现金收支 8.贷款试算,填入金额,期数,利率。一键生成总利息、真实利率、还款计划,再也不怕商家玩数字游戏 作者说: 我自己本来也不是一个喜欢记账的人,我之前觉得,现在市面上已经有这么多支付产品、银行软件,为什么我还要另外再用一款记账软件,而且还需要我手记。 直到后来,我发现那些支付产品和银行软件确实有些地方无法满足我的需求。比如,我是一个既买股票,又买基金的人。但是卖基金的软件和卖股票的软件,往往不是同一个软件,如果我想看到我所有投资产品(股票和基金)的总值,我还要切换不同的软件,并自己去计算总值。 即使有在同一个软件上的,但是投资类的软件又跟我的日常收支流水没有打通,我觉得不管是现金流,还是我的资产,这些都是我钱的一部分,那我能不能做一款软件,帮我把这些所有的钱都管理起来呢? 如果您也有类似的需求,不妨可以试试这款软件。 隐私协议:https://firebook.tech/privacy-policy/ 用户协议:https://firebook.tech/user-agreement/ 服务条款:https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

明白记账4 screens
FIRE记账4 screens

Verdict

The call

The clearest difference is price: FIRE记账 at Free against 明白记账's $1.99. 明白记账's advantage is in-app purchases (none vs 8) and review sentiment (75% vs 67%). On update cadence, ads, device support and iOS requirement 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

FIRE记账 is free to download; 明白记账 costs $1.99 up front. FIRE记账 sells 8 in-app purchases, starting at $0.99 per year. 明白记账 asks for nothing beyond the download.

UpkeepUpdate frequency

明白记账 ships an update every 6 days, FIRE记账 weekly. Both last shipped on October 8, 2026.

Scorecard3 real differences · 7 level
明白记账 versus FIRE记账: the parameters behind the verdict, then further details
Parameter明白记账FIRE记账
Price$1.99Free — better
Rating—5.0 (1 ratings) — better
Positive reviews75.0% of reviews — better66.7% of reviews
Number of ratings—1 — better
Update frequencyEvery 6 days — betterWeekly
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Free with in-app purchases
DevicesiPhoneiPhone, iPad — better
Requires iOS17.0 — better17.2
Further details — not scored
Size15 MB58 MB
Age rating4+17+
Developer炜炜 陆学明 庞

Customer experience

明白记账

Written reviews16 reviews
Positive75.0%
Neutral12.5%
Negative12.5%

FIRE记账

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews12 reviews
Positive66.7%
Neutral8.3%
Negative25.0%

In-app purchases

None

明白记账

No in-app purchases

8 purchases

FIRE记账

Subscriptions1
  • 连续包年$0.991 Year
One-time7
  • 月度会员$1.99
  • 小额捐赠$2.99
  • 中额捐赠$7.99
Show 4 more
  • 年度会员$7.99
  • 三年会员$19.99
  • 大额捐赠$29.99
  • 永久会员$29.99

Questions

Is 明白记账 free?
明白记账 costs $1.99, with no in-app purchases.
Is FIRE记账 free?
FIRE记账 is free to download, with in-app purchases available.
Do 明白记账 or FIRE记账 have ads?
Neither 明白记账 nor FIRE记账 shows ads.
Which is updated more often, 明白记账 or FIRE记账?
明白记账 ships an update every 6 days, and FIRE记账 weekly. Most recently, 明白记账 was updated on October 8, 2026 and FIRE记账 on October 8, 2026.

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