Comparison

手账本 vs Laicai 来财

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

Head to head
About

手账本

Features
Read full description

很简单的操作,无需复杂的设置。在第一次使用时,点击屏幕中的 + 号就可记录一笔账单,比如支出、收入。 收支分类,可分主类与主类中的子类(二级分类),更好的管理您的收支。 如果需要更精确的记录您的资产,您可在资产管理里面添加新的账户,在记录新账单时选择相应的账户来记录。账户没有数据限制(如果您有超强大脑能管理N多个账户)。 账单标签可分类您的旅行、装修、结婚等等场景,在其它应用里面会使用分账本方式来处理,而手账本里只需要建立相应的标签就可以了。(标签也是不限制数量的哦) 如果查看您某个时间段、某个分类、某个标签中的账单,这需要用到筛选功能了。 手账本拥有强大的筛选功能,能查询您记录的任意账单。 · 筛选最近时间:最近三天、最近一周、最近一个月、最近三个月、最近半年、最近一年、全部帐单; · 周账单:可选择某年、某周您的收、支、转账单; · 月账单:可选择某年、某月您的收、支、转账单; · 年账单:可选择某年您的收、支、转账单; · 自定义:选择某个时间段内的所有账单; 在选择完时间段后,可进行更精细的筛选。 · 搜索:对账单中记录的“对方”与“备注”进行并且,或是两种逻辑来筛选; · 类别:对账单中的主类别来进行筛选; · 子类别:对账单中的子类别来进行筛选,也可结合主类别来进行更精细的筛选; · 标签:(其它软件的分账本)对账单中的标签进行筛选; · 金额:可指定最小金额与最大金额或是单独用最小金额、最大金额来进行筛选; · 收支:可查询收入、支出、不计收支(如转账的账单); · 账户:可选择指定的账户来进行查询。 账单的批量修改 · 点击编辑或是两指下滑账单,可进行账单选择; · 对于选中的账单,可使用隔离功能,然后在对隔离的账单进行单独的编辑; · 多选的账单可批量修改收支账户、分类; · 对于选中的账单,可使用选择相同的账户、交易对方、主类、子类来快速选择多个账单; · 选中的账单可进行删除(确保您不在需要它)删除功能不可恢复,请谨慎操作。 【自动订阅服务说明】 1、订阅服务: a)重拾记忆 Pro 版 连续包月(1个月) b)重拾记忆 Pro 版 连续包年(1年) 2、订阅价格: a)手账本 Pro 版 连续包月产品价格为:9元/月 b)手账本 Pro 版 连续包年产品价格为:48元/年 3、付款:用户确认购买并付款后计入 iTunes 账户 4、自动续费:苹果iTunes账户会在到期前24小时内扣费,扣费成功后订阅周期顺延一个订阅周期 5、关闭服务:您可以在苹果手机“设置” —> 进入“iTunes Store 与 App Store” —> 点击 “Apple ID”,选择“查看Apple ID”,进入“账户设置”页面,点击“订阅”,管理自动订阅服务,如需取消,每个计费周期结束前24小时关闭即可,到期前24小时内则不再扣费 使用条款:http://www.3draws.com/Account/TermsOfUse.html 隐私政策:http://www.3Draws.com/Account/PrivacyPolicy.html

About

Laicai 来财

Features
Read full description

Laicai keeps your whole financial picture in one ledger: investments across markets, cash, savings, debts and everyday spending — then lets Laicai AI answer questions from your own real data. No ads, no community, no stock tips. ALL YOUR WEALTH IN ONE PLACE Record China A-shares, Hong Kong stocks, US stocks, funds and precious metals side by side. Prices update by market and everything converts to CNY. Cash, credit cards and brokerage accounts are grouped so net worth, total assets and total liabilities are clear at a glance. RETURNS, UPDATED DAILY • Profit calendar: one cell per day, see your daily gains and losses • Return analysis: money-weighted return, cumulative curve, realized and unrealized P&L, P&L ranking • Allocation: asset distribution by market value and weight BUDGETS THAT HOLD Monthly income and spending, custom categories, monthly and per-category budgets with used and remaining amounts. Import Alipay and WeChat bills; duplicates are skipped and every mapping can be reviewed. RECORD IN SECONDS Hold "Add" and speak, or snap a trade confirmation, receipt or payment screen. AI turns it into a draft you check before it is saved. AUTOMATIC RECORDS • Fund auto-investment plans recorded on schedule • Recurring entries for rent, repayments and salary • A-share cash dividends and bonus shares synced automatically LAICAI AI Ask about your real holdings, accounts, trades and spending, by text or voice. The Premium deep engine brings cross-market data and professional finance skills into multi-step analysis of your own portfolio. PEACE OF MIND • Sign in with Apple, WeChat, phone code or email • Dark and light themes, Chinese and English interface, privacy mask to hide amounts • Export your data any time; delete your account in More → Delete account PLANS Recording and analysis are free forever; new users get a 7-day trial of Standard. • Free: asset and spending records, wallets, budgets, profit calendar and statistics • Standard: everything in Free, plus voice and screenshot entry, Alipay and WeChat bill import, auto-investment plans, recurring entries and Laicai AI basics • Premium: everything in Standard, plus the Laicai AI deep engine, high-quality cross-market data and in-depth analysis Prices are shown on the subscription page. Subscriptions renew monthly and are charged to your Apple Account. They renew at the same price unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel in Settings → Apple Account → Subscriptions. Terms of Use: https://laicai.tianxinbale.com/user-agreement Privacy Policy: https://laicai.tianxinbale.com/privacy Content from Laicai AI and the deep engine is AI-generated, for reference only, and is not investment advice.

Screenshots

手账本4 screens
Laicai 来财4 screens

Verdict

The call

The clearest difference is update cadence: 手账本 at every 5 days against Laicai 来财's every 3 weeks. 手账本 also leads on device support (3 vs 1). On price, ads, in-app purchases 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

Both are free to download. 手账本 sells 2 in-app purchases, starting at $0.99 per month and Laicai 来财 sells 2 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

手账本 ships an update every 5 days, Laicai 来财 every 3 weeks. The most recent releases landed on October 7, 2026 and October 31, 2026 respectively.

Scorecard2 real differences · 5 level
手账本 versus Laicai 来财: the parameters behind the verdict, then further details
Parameter手账本Laicai 来财
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyEvery 5 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesYes
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better16.4
Further details — not scored
Size4 MB60 MB
Age rating4+4+
Developer诚 张Beijing Tianxin Bale Technology Co., Ltd.

In-app purchases

2 purchases

手账本

Subscriptions2
  • per month$0.991 Month
  • per year$6.991 Year
2 purchases

Laicai 来财

Subscriptions2
  • 标准版$0.991 Month
  • 尊享版$14.991 Month

Questions

Is 手账本 free?
手账本 is free to download, with in-app purchases available.
Is Laicai 来财 free?
Laicai 来财 is free to download, with in-app purchases available.
Do 手账本 or Laicai 来财 have ads?
Neither 手账本 nor Laicai 来财 shows ads.
Which is updated more often, 手账本 or Laicai 来财?
手账本 ships an update every 5 days, and Laicai 来财 every 3 weeks. Most recently, 手账本 was updated on October 7, 2026 and Laicai 来财 on October 31, 2026.

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