Comparison

小乖记账 vs 咔比荷包

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

Head to head
About

小乖记账

This app uses AI to automatically track and categorize your income and expenses from various sources like bank transactions, Alipay, WeChat Pay, and cash. It provides personalized financial reports, budget reminders, and supports multiple ledgers for different needs.

Highlights
  • AI automatic expense tracking
  • Smart transaction categorization
  • Personalized financial analysis reports
  • Customizable budget reminders
  • Multi-ledger management
  • Voice input for expenses
Features
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小乖记账您的智能财务小管家,让记账变得前所未有的轻松与高效。采用人工智能技术,自动识别并分类您的每一笔收支,无论是银行交易、支付宝账单、微信支付还是现金消费,阿财都能精准捕捉,为您打造个性化的财务分析报告。阿财记账,让记账不再是负担,而是您实现财务自由的得力助手。 【核心功能】 - AI自动记账:无需手动输入,智能识别各类交易信息,自动归类,省时又省心。 - 智能分类:基于机器学习算法,准确分类您的每一笔支出(如餐饮、交通、购物等),让账目一目了然。 - 财务分析:生成月度、年度财务报表,清晰展示收支情况、消费趋势及预算执行情况,助您科学理财。 - 预算提醒:设定个性化预算目标,超支即时提醒,帮助您合理控制开支,实现财务自由。 - 多账本管理:支持家庭账本、旅行账本、工作账本等多种场景,轻松管理不同用途的资金流动。 - 语音记账:支持语音输入记账,动口即记账,让生活中的每一笔开销都不再遗漏。 会员订阅说明: -订阅周期:月会员,年会员或永久会员 -付款:用户付款记入iTunes账户 -取消订阅:如需取消订阅,请在当前订阅到期24小时以前,手动到在Apple ID设置管理中关闭自动订阅 -续订:苹果iTunes账户会在到期前24小时内扣款,扣款成功后订阅周期将延续一个周期 -隐私政策:https://docs.qq.com/doc/p/97c30b556ef75021d5bcc15b3e930922d06b26dc?nlc=1 -服务条款:https://docs.qq.com/doc/p/43f66dd6c93948450f1265a1465258470ea81e2d?nlc=1

About

咔比荷包

This app uses AI to make tracking expenses fun and effortless, helping you build good habits and reach financial goals. It offers shared accounts and savings plans for couples, promoting financial and relational freedom.

Highlights
  • AI-powered expense tracking
  • Effortless habit building
  • Automated financial review
  • Shared accounts for couples
  • Joint savings goal planning
  • Personalized financial goals
Features
Read full description

咔比荷包是一款单人/双人记账存钱App AI记账,让记账充满乐趣,活人感满满,让你无痛养成记账好习惯。 通过自动记账、AI自动复盘,让你告别糊涂账,实现财富目标。 双人一起使用还可以拥有共同账本,记录每笔支出和收入。 创建存钱计划一起达成攒钱目标,让彼此收获财务与关系的双重自由。 【VIP会员订阅说明】 -订阅周期:1个月、3个月、12个月。 -订阅价格:连续包月产品为双人每月15元,单人每月9.9元;连续包季产品为双人每季度38元,单人每季度28元;连续包年产品为双人每年98元,单人每年68元。 -付款:通过用户的iTunes账户扣款,用户确认购买后即付款。 -取消续订:如需取消续订,请在当前订阅周期到期前24小时以前,手动在iTunes/AppleID设置管理中关闭自动续订功能。 -续订: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。 -订阅可以由用户自主管理,并且可以随时在购买后在用户的账户设置里关闭自动订阅。 隐私政策:https://xcvc766uxt.feishu.cn/docx/QZEAdp6fioaG0gxz1jycpKdDnEf?from=from_copylink 用户协议:https://xcvc766uxt.feishu.cn/docx/LqcndgGHOodvKcxXReVcqgYCnkd?from=from_copylink

Screenshots

小乖记账4 screens
咔比荷包4 screens

Verdict

The call

The clearest difference is rating: 小乖记账 at 4.3 against 咔比荷包's 4.1. 咔比荷包's advantage is update cadence (every 9 days vs every 3 weeks). On price, review sentiment, ratings volume and ads 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. 小乖记账 sells 5 in-app purchases, starting at $0.99 per 7 days and 咔比荷包 sells 11 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

小乖记账 holds the better App Store score, 4.3 against 4.1. Both are backed by a comparable volume of ratings — 6 and 7 respectively. Written reviews point the same way: 35% of 小乖记账's written reviews are positive against 27% of 咔比荷包's.

UpkeepUpdate frequency

小乖记账 ships an update every 3 weeks, 咔比荷包 every 9 days. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.

Scorecard2 real differences · 8 level
小乖记账 versus 咔比荷包: the parameters behind the verdict, then further details
Parameter小乖记账咔比荷包
PriceFreeFree
Rating4.3 (6 ratings) — better4.1 (7 ratings)
Positive reviews34.6% of reviews — better27.3% of reviews
Number of ratings67 — better
Update frequencyEvery 3 weeksEvery 9 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size108 MB208 MB
Age rating4+4+
Developer鑫 孙重庆皮皮喵喵科技有限公司

Customer experience

小乖记账

All ratings6 ratings
Positive83.3%
Neutral0.0%
Negative16.7%
Written reviews52 reviews
Positive34.6%
Neutral0.0%
Negative65.4%

咔比荷包

All ratings7 ratings
Positive71.4%
Neutral14.3%
Negative14.3%
Written reviews33 reviews
Positive27.3%
Neutral18.2%
Negative54.5%

In-app purchases

5 purchases

小乖记账

Subscriptions2
  • 周会员$0.997 Days
  • 月会员$4.991 Month
One-time3
  • 永久会员$12.99
  • 年会员$14.99
  • 永久会员$19.99
11 purchases

咔比荷包

Subscriptions9
  • 单人连续包月$0.991 Month
  • 单人连续包月7 Days trial$0.991 Month
  • 双人连续包月$1.991 Month
Show 6 more
  • 双人连续包月1 Month trial$1.991 Month
  • 双人连续包季$4.993 Months
  • 双人连续包年$9.991 Year
  • 双人连续包年$12.991 Year
  • 双人连续包年$14.991 Year
  • 双人连续包年7 Days trial$14.991 Year
One-time2
  • 365天打卡挑战$12.99
  • 双人三年VIP会员$22.99

Questions

Is 小乖记账 free?
小乖记账 is free to download, with in-app purchases available.
Is 咔比荷包 free?
咔比荷包 is free to download, with in-app purchases available.
Which has better reviews, 小乖记账 or 咔比荷包?
小乖记账 is rated higher. 小乖记账 averages 4.3 out of 5 from 6 ratings, while 咔比荷包 averages 4.1 from 7 ratings.
Do 小乖记账 or 咔比荷包 have ads?
Neither 小乖记账 nor 咔比荷包 shows ads.
Which is updated more often, 小乖记账 or 咔比荷包?
小乖记账 ships an update every 3 weeks, and 咔比荷包 every 9 days. Most recently, 小乖记账 was updated on September 24, 2026 and 咔比荷包 on September 22, 2026.

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