阿福记账 vs Twally

让每一分钱都看得见。 阿福记账是一款融合 AI 快速记账、钱币可视化、预算规划和资产管理的个人财务应用。它不只是记录数字，更希望帮助你理解每一笔消费，轻松养成记账习惯。 【截图、语音，说一句就能记账】 • 批量导入账单截图，自动识别金额、时间、账户与分类 • 支持语音、文字和对话式记账 • 通过 Siri 快捷指令，不打开 App 也能快速记录 • 周期收支自动执行，固定账单不再遗漏 • 支持账单模板、标签、多图片和报销退款 【让每一分钱都看得见】 • 输入金额后，自动转换成真实面额的钱币组合 • 支持拖拽、兑换和整理钱币 • 用直观的钱币体验感受每笔消费的实际价值 • 每日小票和钱币画面可以保存分享 【预算、存钱和贷款，都有计划】 • 按分类和周期设置预算，实时查看剩余额度 • 支持定额、灵活、52周和365天存钱计划 • 管理存款、储蓄目标与利息 • 追踪借贷、贷款和实际还款进度 • 周期账单与未来支出一目了然 【钱包、卡片和资产，一处管理】 • 管理现金、银行卡、信用账户和投资持仓 • 支持多币种账户与汇率换算 • 自定义银行卡封面、图标和账户样式 • 记录重要物品，查看总价值与每日使用成本 • 通过资产趋势了解自己的财务变化 【从流水到完整财务洞察】 • 查看日、周、月、年收支趋势 • 按分类、账户、标签等维度分析支出 • 通过日历和热力图回顾消费记录 • AI 账房先生可以查询账目、分析消费并提出建议 • 涉及数据修改的 AI 建议需要确认后才会执行 【按自己的方式使用】 • 7 套完整界面风格，每一套都经过独立设计 • 丰富的桌面小组件和交互式记账组件 • 支持灵动岛、实时活动和自定义主题 • 多账本管理不同生活与财务场景 【隐私与同步】 • 账本数据默认保存在设备本地 • 支持通过 Apple iCloud 在多个设备间同步 • 提供隐私模式和 App 锁，保护敏感财务信息 阿福记账，让记账不再只是填写数字，让你的每一分钱都真正看得见。 【会员方案】 阿福记账提供三种会员方案： - 永久会员（一次性购买） - 年度会员（自动续订） - 月度会员（自动续订） 确认购买后，费用将从 Apple 账户中扣除。 自动续订方案会在当前订阅周期结束前 24 小时内续订，除非用户提前关闭自动续订。购买后可前往系统设置中的 Apple 账户订阅页面管理或取消订阅。 【隐私与条款】 Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://kyletono1.github.io/ledger-privacy-policy/privacy-policy.html

Twally is a shared expense tracker designed for couples, partners, and roommates. Say goodbye to tedious manual bill splitting. With back-tap screenshot logging, on-device intelligence, secret surprise protection, and interactive transaction dialogues, managing shared living costs becomes effortless, transparent, and meaningful. Whether you are grocery shopping, dining out, planning a vacation, or splitting household bills, Twally keeps your shared finances organized. [Key Features] Zero-Touch Back Tap Entry Integrate with iOS Back Tap and Shortcuts to capture payment confirmation screens with a double tap on the back of your iPhone. Powered by the Apple Vision framework, amounts and merchants are extracted on-device in milliseconds without manual typing. Real-Time Couple Sync Built on Apple native iCloud CloudKit technology, both partners can record expenses independently while data merges instantly into a single shared ledger. Clearly separate shared expenses, your spending, and your partner's spending. One upgrade covers both partners. Secret Gift Protection Planning a surprise birthday gift or anniversary dinner? Enable Surprise Protection with one tap. Your partner will see a placeholder notice without revealing the merchant, category, or note, keeping your romantic gesture secret while keeping accounts balanced. Transaction Dialogues and Live Activity Finances can be warm and communicative. Leave comments, reactions, and interactive stickers on any transaction. Stay connected through real-time notifications on the Dynamic Island and Lock Screen Live Activities. Smart Voice and Text Parsing Speak naturally to record expenses instantly with automatic speech recognition and smart categorization. Copy and paste payment confirmation notices to extract details with built-in knowledge across hundreds of popular merchant brands. Shared Wishlist Add desired items to your shared wishlist first to encourage thoughtful spending. Save together, coordinate budgets, and convert fulfilled wishes into active expenses with one tap. Financial Analytics Dashboard Track contributions at a glance using the Duo Ratio comparison bar. Monitor spending habits with 6-month stacked trend charts, category donut breakdowns, and month-over-month comparisons. Installments, Recurring Schedules, and Refunds Spread large purchases across 2 to 60 monthly installments. Schedule recurring expenses such as rent and subscriptions. Match refunds directly against original transactions to prevent duplicate or conflicting entries. [Privacy and Security Commitment] • Zero Ads: Twally contains no third-party advertisements or behavioral tracking SDKs. • Native iCloud Sync: All financial details reside securely on your local device and your private Apple iCloud database. Our servers never receive, inspect, or store your transaction amounts, notes, or photos. • On-Device Vision Processing: Optical character recognition runs completely offline via local hardware neural engines. Screenshots are never uploaded to any remote server. [Pricing and Terms] • Single-User Mode is Free: All local personal bookkeeping features, categories, dashboards, wishlists, and data export tools remain completely free. • Twally Together includes a 14-day free trial upon pairing. No pre-authorized payment is required, and no automatic charges occur when the trial ends. • Together access is available as an auto-renewing yearly subscription or a one-time lifetime purchase. A single purchase unlocks shared sync for both partners. Terms of Use: https://gobefar.com/twally/terms Privacy Policy: https://gobefar.com/twally/privacy