Comparison

时小融 vs MoneyMind

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

Head to head
About

时小融

Features
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时小融-信贷服务平台,便捷、合规、智能的信贷服务平台。 轻松解决您的资金问题,借款更快捷 (产品优势) 1.安全合规:正规持牌金融机构放款,让您更放心。 2.息费透明:利率合规,借款费用透明可见。 3.申请简单:3项简易认证,线上极速审批。 4.活动多样化:新人首次尊享7天免息券。 (温馨提示) 贷款额度、放款时间、通过率、利率等以实际审批为准。 贷款有风险,借款需谨慎;请根据个人能力合理贷款,理性消费,避免逾期。 若有不法分子冒充时小融工作人员,以帮助您申请贷款、协商减免还款等理由向你索要佣金,或套取您身份证信息、银行卡账号密码、短信验证码等敏感信息,请您注意辨别,保留好相关截图,并联系时小融官方客服加以核对确认。

About

MoneyMind

This intelligent voice accounting assistant makes managing personal finances simple and fun. It uses AI to automatically recognize expenses from natural language speech, provides visual charts for spending insights, and offers budget management with customizable alerts. All your financial data is stored locally for enhanced privacy.

Highlights
  • Intelligent voice recognition for effortless accounting
  • Automatic expense categorization with AI
  • Visual spending charts and trend analysis
  • Customizable budget setting and alerts
  • Local data storage for enhanced privacy
Features
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MoneyMind - 智能语音记账助手 让记账变得简单有趣!MoneyMind 是一款智能语音记账应用,帮助你轻松管理个人财务。无需注册账号,不接入银行卡,没有广告。 【核心功能】 智能语音记账 • 说话即可记账,解放双手 • 支持自然语言输入(如"昨天买面包花了15块") • 自动识别时间、金额和类别 快速记账 • 计算器式金额键盘,连续记账更顺手 • 首页四个入口:记一笔、说一句、截图记、快捷指令 • 常用支出一键带入,改个金额即可保存 自动记账 • 截图、语音、文字三种快捷指令,轻点背面即可记账 • 识别不确定的账单先进入待确认,确认后再入账 • Apple Watch 与桌面小组件随时查看、随手记录 可视化图表 • 饼图、柱状图、趋势图多维度展示 • 消费分类一目了然 • 点击分类查看详细记录 预算管理 • 设置月度总预算和分类预算 • 超支自动提醒 • 实时预算占比显示 智能分类 • 100+ 类别关键词库 • 自动归类交易 • 支持自定义分类预算 AI 助手(可选) • 聊天记账:把消费发给 AI,自动拆单入账 • 内置 AI 服务开箱即用,也可填写自己的 API Key • 使用云端 AI 前会先征得你的同意,只发送你主动提交的文字或截图 隐私优先 • 账本默认保存在设备本地,可用 iCloud 备份 • 不需要注册账号,不接入银行卡 • 数据完全由你掌控,可随时导出 【适合人群】 • 想要轻松记账的你 • 需要控制支出的你 • 希望了解消费习惯的你 【特色亮点】 • 界面简洁美观,操作流畅 • 免费下载,无广告;MoneyMind Pro 可一次性买断解锁全部高级功能 • 账本本地存储,隐私安全 下载 MoneyMind,开启智能记账新体验!

Screenshots

时小融4 screens
MoneyMind4 screens

Verdict

The call

The clearest difference is in-app purchases: 时小融 at none against MoneyMind's 1. 时小融 also leads on update cadence (every 8 days vs monthly) and iOS requirement (12.0 vs 16.0). On price, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. MoneyMind sells 1 one-off in-app purchase. 时小融 asks for nothing beyond the download.

UpkeepUpdate frequency

时小融 ships an update every 8 days, MoneyMind monthly. The most recent releases landed on October 25, 2026 and October 10, 2026 respectively.

Scorecard3 real differences · 6 level
时小融 versus MoneyMind: the parameters behind the verdict, then further details
Parameter时小融MoneyMind
PriceFreeFree
Rating—5.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyEvery 8 days — betterMonthly
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Free
DevicesiPhone, iPodiPhone, iPad, Apple Watch — better
Requires iOS12.0 — better16.0
Further details — not scored
Size58 MB16 MB
Age rating17+4+
DeveloperShishi Huxin (Wuhan) Digital Technology Co., Ltd.永 缪

In-app purchases

None

时小融

No in-app purchases

1 purchases

MoneyMind

One-time1
  • MoneyMind Pro 永久版$2.99

Questions

Is 时小融 free?
时小融 is free to download, with no in-app purchases.
Is MoneyMind free?
MoneyMind is free to download, with in-app purchases available.
Do 时小融 or MoneyMind have ads?
Neither 时小融 nor MoneyMind shows ads.
Which is updated more often, 时小融 or MoneyMind?
时小融 ships an update every 8 days, and MoneyMind monthly. Most recently, 时小融 was updated on October 25, 2026 and MoneyMind on October 10, 2026.

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