自动记账 vs M Budget
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
自动记账
Effortlessly track your finances with an intuitive and fun app. It automates bill analysis, offers visual insights, and secures your data with password protection and iCloud backup. Ideal for modern users seeking simple, efficient financial management.
- Automated bill analysis
- Customizable tags and budgets
- Password protection and iCloud backup
- Visual chart analysis
- Multi-account management
- Data export and migration
Read full descriptionHide full description
自动记账 · 一秒记账——让记账更简单、更有趣 你是否曾觉得记账是一项枯燥的任务?想要找到一款既轻松又好用的记账工具?自动记账为你带来了全新的记账体验,让每一笔账单都变得更简单、精准,甚至充满乐趣! 为什么选择自动记账? * 元气满满的设计:简洁清爽的界面,告别复杂与繁琐,让记账成为一种享受! * 专注记录,无广告无推荐:没有干扰的记账体验,只专注于帮助你轻松记录每一笔账单。 * 现代年轻人必备工具:无论是日常购物还是理财规划,我们的设计都贴合当代年轻人需求,打破传统枯燥记账方式! 主要功能: * 自动记账:通过捷径自动截图分析账单,一秒完成记账,省时省力! * 导出数据:随时导出数据,轻松查看和分享财务状况。 * 自定义标签:根据个人需求设置标签,方便分类管理。 * 分类预算:轻松设置预算,每一项开支都在掌控之中。 * 密码保护:让你的财务数据更加安全,保护隐私。 * ICloud备份:所有账目自动备份,保障数据永不丢失。 * 收支账户:支持多账户管理,记录个人及家庭账目。 * 分类数据迁移:轻松迁移数据,保持历史账目记录。 * 图表分析:可视化的图表,帮助你了解财务状况,做出明智决策。 * 隐私保护:严格保护你的财务隐私,只有你自己能访问。 * 备注占比:直观显示各类备注的占比,帮助你合理规划开销。 * 记账日历:查看每月账单,轻松掌握收支情况。 * 每日收支:每天自动记录,轻松掌握当天的收支。 * 转账功能:支持转账记录,准确管理转账历史。 * 年度统计:总结全年的账目,帮助你规划未来。 * 后续新功能:我们将持续更新新功能,满足更多需求。 立即下载,享受轻松记账! 自动记账让你告别手动输入,记账变得简单又高效。下载“自动记账 - 一秒记账”,让你从此告别忘记记账的困扰,随时随地轻松管理个人财务。 快来体验吧! 【自动记账 自动续费VP套餐说明】 - 订阅周期:1个月(连续包月产品),12个月(连续包年产品)。 - 具体价格请见自动记账馆App内部付费页面。 - 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/Apple ID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。 - 订阅可以由用户管理,并且可以在购买后在用户 的账户设置里关闭自动订阅。 - 免费试用期的任何未使用部分(如果提供)将在 用户购买该出版物时被回收。 - 隐私政策与使用条款 https://shimo.im/docs/VYv89rdHXRVGkcVV - 自动续费会员服务协议 https://docs.qq.com/doc/DWGZwa2VSS3JKT2JF
M Budget
This app helps you manage your finances with simple expense tracking, clear charts, and budget alerts. It prioritizes privacy with 100% on-device storage and no data collection. Track accounts, assets, and liabilities to gain better financial control.
- Fast expense and income logging
- Calendar view for daily spending
- Powerful statistical charts
- Net worth tracking
- Budget setting and alerts
- Multi-account management
- On-device data storage
Read full descriptionHide full description
M Budget — Expense Tracker & Budget Take control of your money without the monthly fee. M Budget is a beautiful, private personal finance app that makes tracking your spending effortless — pay once, use forever. No subscription. No ads. No account required. Your data stays on your device. WHY M BUDGET • One-time purchase — no recurring subscription, ever • Private by design — runs on-device, no sign-up, no tracking • Genuinely simple, genuinely powerful TRACK EVERYTHING, EFFORTLESSLY • Log expenses, income, and transfers in seconds • Organize with rich categories and subcategories • Multiple accounts: cash, bank, credit cards, loans, and savings • Beautiful charts — see where your money goes by day, month, quarter, or year • Calendar view, net-worth trends, and savings-rate analysis SMART BUDGETS • Monthly and yearly budgets with overspending alerts • Budget history and forecasts so you always know what's left MULTI-CURRENCY, BUILT IN • Track any currency with live exchange rates • Perfect for travel, expats, and global spending WIDGETS & LOCK SCREEN • Home Screen and Lock Screen widgets • Add a transaction straight from your widget SECURE • Lock the app with Face ID / Touch ID AI THAT RESPECTS YOUR PRIVACY (on supported devices) • Just say it — log a transaction with your voice • Snap a receipt and let M Budget fill in the details • Get a friendly monthly spending review and smart insights • Powered by on-device intelligence — nothing leaves your iPhone INVESTMENTS • Track holdings across US, Hong Kong, and A-share markets, ETFs, funds, and crypto • Live quotes and automatic recurring investing (DCA) M BUDGET PRO (one-time purchase) Unlock everything with a single purchase: • iCloud sync across all your devices • Multiple users and shared household ledgers • Export & import (CSV, JSON, PDF, Excel) + iCloud backup • Premium themes • Recurring transactions & automatic credit-card / loan repayment • Investment accounts with live market data • On-device AI logging Also free: loan and deposit calculators, bill reminders, and one-tap logging from payment screenshots via Shortcuts. Your finances are personal. M Budget keeps them that way.
Screenshots
Verdict
The clearest difference is monetization model: M Budget at free against 自动记账's freemium. 自动记账's advantage is update cadence (every 5 days vs every 2 weeks). On price, review sentiment, ads and in-app purchases 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
Both are free to download. 自动记账 sells 2 in-app purchases, starting at $6.99 per year and M Budget sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
自动记账 ships an update every 5 days, M Budget every 2 weeks. The most recent releases landed on October 7, 2026 and October 19, 2026 respectively.
| Parameter | 自动记账 | M Budget |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | — | 1 — better |
| Update frequency | Every 5 days — better | Every 2 weeks |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Requires iOS | 16 — better | 17.2 |
| Further details — not scored | ||
| Size | 38 MB | 34 MB |
| Age rating | 4+ | 4+ |
| Developer | 小拓 林 | 海燕 赵 |
Customer experience
自动记账
M Budget
In-app purchases
自动记账
- 年会员3 Days trial$6.991 Year
- 永久会员$9.99
M Budget
- M Budget Pro$4.99







