WishMoney vs 清记
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
WishMoney
This app helps you achieve your savings goals by turning budgeting into a rewarding experience. Set specific savings wishes, track progress with visual indicators, and manage multiple currencies and assets in one place.
- Set and track savings wishes
- Multi-currency support with exchange rates
- Budget planning with overspend alerts
- Automate recurring transactions
- Detailed data and reports
- Passcode protection for privacy
- iCloud sync across devices
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More than an expense tracker — it's your dream savings jar. Set savings wishes — a trip to Tokyo, a new MacBook, a home down payment — and watch the progress bar fill up as you save. Wish&Money turns budgeting from a chore into a rewarding journey. === Key Features === 【Wish Savings Goals】 Set target amounts and deadlines for each wish. Link income records to auto-calculate progress. Multi-currency support — save in USD, EUR, JPY or any of 150+ currencies with automatic exchange rate conversion. Track every milestone as your dreams get closer. 【Multi-Currency & Assets】 150+ supported currencies with real-time exchange rates. Perfect for travelers, cross-border shoppers, and global citizens. Manage cash, debit cards, credit cards all in one place. 【Budget Planning】 Set monthly budgets by category with overspend alerts. Visual progress bars keep your spending in check at a glance. 【Recurring Transactions】 Automate recurring income and expenses — rent, salary, subscriptions, loan payments. Set it once and never miss a record. 【Data & Reports】 Monthly and yearly statistics with category breakdowns. Calendar view for daily transaction overview. Export support for external analysis. 【Bill Sharing】 Turn any transaction into a shareable card. Choose a style, control what appears, then share it or save it as an image. 【iCloud Sync】 Automatic sync across iPhone and iPad. Switch devices without losing data. 【More Highlights】 - Passcode protection for privacy - Multiple themes to personalize your experience - Quick entry with Siri Shortcuts support - Import/Export for full data control === Premium Membership === Free tier includes essential bookkeeping features. Upgrade to Premium for unlimited wishes, unlimited asset accounts, full multi-currency support, category budgets, recurring transactions, and all premium themes. === Contact Us === Feedback: feedback@vincents.cn Privacy Policy: https://app.vincents.cn/privacypolicy.html Terms of Use: https://app.vincents.cn/termsofuse.html
清记
This app offers a minimalist approach to personal finance tracking, focusing solely on recording income and expenses. It provides clear visual summaries of your financial status without ads or unnecessary features, aiming to simplify your budgeting process.
- Minimalist expense recording
- Ad-free and distraction-free interface
- Visual financial summaries (charts)
- Absolute privacy for financial data
- Elegant and clean design
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“清”,是账目清晰,也是耳根清静。 【理念:我们为什么做这款 App】 市面上的记账软件越来越臃肿了。打开它们,满眼是理财广告、办卡推荐、繁杂的社区和让人眼花缭乱的各种入口。 但其实,我们需要的仅仅是一个能安安静静记录今天花了多少钱的工具。 于是,《清记》诞生了。 它剔除了所有与记账无关的噪音,回归工具的本质。没有广告,没有社交,没有多余的干扰。在这里,只有纯粹的收支,和清清楚楚的生活。 【功能:克制而强大】 极简极速:点开即记,没有任何多余的步骤,3秒钟完成一笔开销记录。 干净无扰:承诺永远无理财广告,无社区,不贩卖财务焦虑。 一目了然:清晰直观的折线与饼图,帮你轻松梳理每月的财务状况。 绝对隐私:你的财务数据属于且仅属于你个人,无需担心隐私泄露。 设计美学:延续留白美学,素雅清透的界面,让记账变成一种享受。 我们相信,最好的工具,是当你需要时它极其顺手,不需要时它安静地待在角落,从不打扰。 愿《清记》能帮你理清账目,也理清生活。 最终用户许可协议(EULA):https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
WishMoney and 清记 are too close to call on the numbers: across 8 compared parameters — price, review sentiment, update cadence and ads among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. WishMoney sells 4 in-app purchases, starting at $0.29 per month and 清记 sells 3 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
WishMoney ships an update every 4 days, 清记 every 2 days. The most recent releases landed on November 4, 2026 and November 5, 2026 respectively.
| Parameter | WishMoney | 清记 |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Update frequency | Every 4 days | Every 2 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free with in-app purchases |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 17.6 | 17 — better |
| Further details — not scored | ||
| Size | 61 MB | 78 MB |
| Age rating | 4+ | 9+ |
| Developer | 金霖 黄 | 若飞 王 |
Customer experience
WishMoney
清记
In-app purchases
WishMoney
- Monthly Membership$0.291 Month
- Yearly Membership7 Days trial$2.991 Year
- Lifetime Membership$6.99
- Lifetime Membership (Family)$14.99
清记
- 清记会员月度订阅$0.991 Month
- 清记会员年度订阅$3.991 Year
- 清记记账永久会员$4.99









