InstaLedger vs 回憶記帳
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
InstaLedger
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AI Quick Expense|AI Finance & Life Assistant Track expenses in one sentence and make money management feel natural. AI Quick Expense brings together AI expense tracking, account and asset management, shared ledgers, shared accounts, multi-currency support, charts, budgets, and everyday tools in one app. 【Fast AI Expense Tracking】 Type or say something like “Lunch 150 and coffee 80, record them as dining today.” AI helps organize the amount, category, account, and date. Use text, voice, photo/receipt recognition, or manual entry whenever it fits your situation. 【Accounts, Assets, and Liabilities】 Manage cash, bank accounts, digital wallets, credit cards, loans, and foreign-currency accounts. View total assets, total liabilities, net worth, account balances, transfers, and monthly changes to understand your full financial picture. 【Shared Ledgers, Shared Accounts, and Splitting】 Great for families, couples, friends, roommates, and shared expenses. Record together in a shared ledger, manage shared funds with shared accounts, and split bills for meals, trips, rent, or group purchases more clearly. 【Multi-Currency Tracking】 Track expenses and accounts in TWD, JPY, USD, THB, and more. Ideal for travel, overseas living, foreign-currency accounts, international subscriptions, and cross-border income or spending. Convert and view everything in your base currency. 【Charts, Budgets, and Insights】 See income and expenses, category breakdowns, daily trends, account distribution, and budget progress. Understand where your money goes and follow your spending habits with clear visual reports and AI-assisted insights. 【AI Life Assistant】 AI can help with more than bookkeeping: check weather, exchange rates, stocks, news, maps, traffic, restaurants, and music. You can also ask about spending records, analyze finances, manage reminders, remember where things are, and organize daily information. 【Life & Productivity Tools】 Includes to-do lists, calendar, notes, daily records, AI translation, QR scanner, currency converter, calculator, weight tracking, vehicle maintenance, customer CRM, gift money records, family birthdays, food roulette, and more. 【Personalized AI Characters】 Choose an AI character you like or upload your own character image to make bookkeeping and daily interactions feel more personal. AI Quick Expense is more than an expense tracker. It is a smart life assistant for finance, sharing, multi-currency management, AI help, and everyday productivity. Download now and start managing your money and life in a simpler way. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://instaledger.cc/html/privacy-en.html
回憶記帳
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超過十年的記帳狂熱,手握近百張信用卡——這是我為所有對記帳挑剔的人,打造的終極記帳工具。 記帳,不該只是冷冰冰的數字加減。 除了收支管理、借還款追蹤與動態預算,它更是你的購物筆記、金流地圖與隨身發票收據本。 【市面上 App 那麼多,為什麼你還需要這一款?】 你是否也遇過這些痛點? .想換手機或跨系統,過去幾年的記帳資料卻帶不走? .買了東西想記下細節規格、保固與店家,卻只能用備注欄追蹤? .每月預算超支或有結餘,系統卻只能寫死固定? .滿滿的廣告干擾、介面雜亂,甚至擔心財務隱私被上傳? 若您在乎介面的美感,資料的使用保障,我們正是為您量身打造的記帳工具 我們想帶給您的不只是一個工具,而是記帳的溫度。 「想匯入大量資料,但擔心過往的資料錯亂嗎?」 請放心!我們已經為您做好了所有因應準備。秉持著「新手友善、老手不需重來」的理念,您可以完美保留過往的所有資料,不必擔心報表或帳戶出錯。 憑藉著多年的豐富經驗,我們能預想您可能碰到的各種痛點,更願意傾聽您的使用反饋。能解決您的需求,就是我們最開心的事! ------ #支援雙平台 .檔案可免費一鍵轉移,不必擔心平台綁架。 .轉移時剩餘訂閱期間,不重複收取費用。 .台灣開發,資安保障,不上傳用戶記帳資訊,並提供雲端備份。 .最速的客服協助。 #聰明預算管理 .滾利預算:本月預算的結餘,可以沿用到下一期。 .動態預算、彈性自訂:保存每一筆明細造成的預算結果。 .重置與保留預算:可隨時重置預算斷點,並保留過去預算歷史。 #商品與資產追蹤 .帳務追蹤:銀行多卡追蹤,不必擔心忘記繳費。 .商品追蹤:商品多樣的資訊欄位,保存您過去的購物資訊。 .借還追蹤:清晰紀錄借還款進度、分帳紀錄。 .週期管理:高彈性的自訂週期管理,可隨時暫停或重啟,能幫你補週期。 .分期管理:高彈性的分期設定,依照銀行分期,自動計算利息,簡化你的分期記帳。 .信用卡活動回饋:自動幫你計算信用卡的回饋金額,並且方便追蹤。 #個性化體驗 .免費多幣別帳戶。 .多款主題免費使用,讓記帳成為優雅生活。 .多處的UX設計巧思,希望能滿足您的記帳體驗。 #官方網站 https://moneymemo.app/ #Discord https://discord.gg/FEdNYqDryc #隱私政策 https://moneymemo.app/privacy #使用條款 https://moneymemo.app/terms
Screenshots
Verdict
The clearest difference is ads: 回憶記帳 at none against InstaLedger's shown. 回憶記帳 also leads on update cadence (every 5 days vs every 6 weeks) and device support (3 vs 1). On price 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. InstaLedger sells 8 in-app purchases, starting at $1.99 per month and 回憶記帳 sells 4 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
InstaLedger ships an update every 6 weeks, 回憶記帳 every 5 days. Both last shipped on November 5, 2026.
| Parameter | InstaLedger | 回憶記帳 |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 6 weeks | Every 5 days — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 38 MB | 175 MB |
| Age rating | 17+ | 4+ |
| Developer | HSIN YU TSAI | TZU KAI LI |
In-app purchases
InstaLedger
- BASIC$1.991 Month
- PRO$9.991 Month
- BASIC$19.991 Year
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- PRO$99.991 Year
- chat credit 300$0.99
- 500 ledger beans$1.99
- 1000 ledger beans$2.99
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- 2000 ledger beans$5.99
回憶記帳
- 進階版 月費制$0.991 Month
- 專業版 月費制$1.991 Month
- 進階版 年費制7 Days trial$9.991 Year
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- 專業版 年費制1 Year trial$14.991 Year





