木蛙记账 vs Pico Saving
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
木蛙记账
This app helps you track income and expenses with AI-powered features. It offers smart analysis to identify savings opportunities and provides tools for budgeting and financial planning. Manage multiple accounts and secure your data with password protection.
- AI chat for quick expense logging
- Smart spending analysis and savings suggestions
- Real-time shared ledgers for group expenses
- Automatic and scheduled transaction recording
- Multi-account management
- Category-based budgeting with alerts
- Daily spending reports and calendar view
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木蛙记账 - 你的专属存钱搭子 欢迎来到木蛙的魔法存钱世界,在这里小木蛙不仅认真的为你记下每一笔开支和收入,帮助你分析、合理规划支出,提醒你日常记账,还创造出了许许多多的存钱计划表帮助每位小伙伴更加轻松愉快的完成自己的存钱计划。 学会有效的记账,复盘才是省钱的开始,贴心的小木蛙会根据你的收支数据,多维度的智能分析,展示出哪些消费可以节省下来,让你对自己的消费了如指掌。它相信,坚持记账认真复盘消费,就会离自己的梦想更进一步,早日成为小富翁! ——{产品功能}—— [存钱计划] 超多可爱好看的存钱计划表供你自由选择,7天/30天/100天...不同的计划都能随意创建哦 [趣味存钱玩法] 存钱大富翁、存钱刮刮乐,超好玩的趣味存钱玩法,让你的每一笔存款都充满意外和惊喜,让存钱不再枯燥乏味,每个人都能开心存钱 [心愿计划] 在繁杂的生活之余,创建一份属于自己的心愿清单,在世俗与生活中取得平衡,静下来发现全新的自己 [归物计划] 优雅的个人物品管理,帮你记录和管理生活中的每一件物品 [消费复盘] 复盘才是省钱的开始,智能分析消费数据,并给出最合理的消费建议,帮助你更好的理财! [多人记账] 支持多人实时共享账本,随时查看账本总收支,分析账本成员收支占比,复盘消费让消费更加健康。 [自动记账] 自动记录收支信息,解放你的双手,让记账变得无比简单! [定时记账] 房贷、车贷、工资这些固定时间会记录的账单可以放手交给木蛙,到达设定日期当天,它会为你自动记录,省时又省力! [可节省按钮] 当你在记录一笔冲动消费时,可以勾选上“可节省”按钮,来为该条账单打上标签,日后复盘时可以清晰地看到哪些消费是可以不花的。 [多账本] 家庭、情侣、日常、校园、工作...多场景账本让你的记账数据变得井井有条。 [分类预算] 按照消费习惯填写总预算与分类预算细分支出类型,超支及时提醒,帮助你精准控制开支。 [账单备注] 为账单添加备注,让账目变的有凭有据,回顾以往消费更加清晰明了。 [记账提醒&消费日报] 自定义每日的记账时间,到点提醒养成记账好习惯,再也不用担心忘记记账啦,更有每日的消费总结定时向你发送报告,让你更加清晰资金的去向。 [密码保护] 隐私保护密码锁定,保证你的记账数据安全可靠不外泄。 [日历视图] 日历上清晰查看每天的收支,查账补账超方便。 [图表统计] 往期记账数据环比展示清晰明了,收支排行明细列表,直观分析消费日常。 *您的免费试用订阅将自动续订为付费订阅,除非在免费试用期结束前至少24小时关闭了自动续订 *您可以随时通过iTunes帐户设置关闭自动续订来取消免费试用或订阅。必须在免费试用或订阅期结束前24小时完成此操作,以免被收费。取消将在当前订阅期的最后一天之后生效,您将被降级为免费服务 用户协议(Terms of Use): https://mwbill.123xzj.com/mw/bill/conf/yhxy.html 会员服务协议: https://mwbill.123xzj.com/mw/bill/conf/hyxy.html 隐私协议: https://mwbill.123xzj.com/mw/bill/conf/ysxy.html 自动续费协议: https://mwbill.123xzj.com/mw/bill/conf/zdxfxy.html
Pico Saving
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Pico Saving makes daily saving satisfying and easy to stick to. Watch a glass piggy bank fill up as you log each saving — whether you skipped a coffee, packed lunch, or passed on an impulse buy. The visual feedback keeps you motivated to keep going. KEY FEATURES • Animated piggy bank — A beautiful glass piggy bank that fills as you hit your daily goal. Choose from multiple designs. • Daily goal tracking — Set a custom daily savings goal and watch your progress update in real time. • Full history — Every entry is saved with a timestamp and optional note. Edit or delete anytime. • Savings summary — See your total saved, daily average, monthly average, and your best day at a glance. • 7-day trend chart — Visualize your saving habit over the past week. • Compound interest projection — See how your savings could grow over 1, 5, 10, and 20 years. • Milestones — Unlock achievements as you build your saving habit, from your first saving to 365× your daily goal. • Currency support — Auto-detects your local currency, or choose from 30+ currencies manually. • Works offline — Everything is stored on your device. No account required. Start small. Stay consistent. Let the piggy bank do the rest.
Screenshots
Verdict
The clearest difference is ads: Pico Saving at none against 木蛙记账's shown. Pico Saving also leads on iOS requirement (13.0 vs 15.0). On price, in-app purchases 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
Both are free to download. 木蛙记账 sells 3 in-app purchases, starting at $1.99 per month and Pico Saving sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
| Parameter | 木蛙记账 | Pico Saving |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | — |
| Positive reviews | 94.7% of reviews | — |
| Number of ratings | 1 — better | — |
| Update frequency | Fortnightly | — |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Freemium | — |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 210 MB | 33 MB |
| Age rating | 4+ | 4+ |
| Developer | Wuhan Siliwei Technology Co., Ltd. | Private Intelligence Inc. |
In-app purchases
木蛙记账
- 连续包月1 Month trial$1.991 Month
- 连续包年$14.991 Year
- 终身会员$12.99
Pico Saving
- Sakura Bank$0.99








