InstaLedger vs 小龜記帳
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
小龜記帳
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小龜記帳,是一本屬於你的數位記帳筆記本。 它像一本日記,只是記的是錢怎麼來、怎麼去。 把每天的收支、開銷、儲蓄目標、帳戶紀錄,通通寫在同一本簿子裡。 不給你建議、不幫你決定,只幫你看清自己的花費習慣。 可以記什麼 【快速記一筆】 3 秒記一筆,分類、商家、帳戶一次設定 日 / 週 / 月任意切換 全文搜尋、標籤管理、附註備忘 【消費回顧】 月別、類別、商家交叉回顧 收支對比圖、花費趨勢圖 自訂時間範圍,匯出 CSV 【儲蓄目標】 為想買的東西、想去的地方,設定一個數字 自己設、自己存、自己達成 倒數提醒、進度一目了然 【帳戶紀錄簿】 把現金、存款、股票、不動產、保單的數字「手寫」記下來 不連線銀行、不自動同步,只是一本簿子 淨值變化、月結餘自己看 【預算自我提醒】 為每個分類設定一個上限 超過時自己看到,當作提醒 不綁架、不通知,你才是主角 【保費繳納紀錄】 記錄你繳了哪些保單、每年多少錢 單純備忘,不做任何建議 你的資料只在你的裝置 所有紀錄儲存在裝置與 iCloud 無伺服器、無第三方追蹤 不連線銀行、不串接金融機構 Face ID / Touch ID 鎖定保護 iCloud 自動同步(隨時開關) 支援中心:https://singchuan.tw/turbo/manual 隱私權政策:https://singchuan.tw/turbo/privacy 使用條款(EULA):https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ 聯絡信箱:hanknxl@gmail.com
Screenshots
Verdict
The clearest difference is ads: 小龜記帳 at none against InstaLedger's shown. 小龜記帳 also leads on update cadence (every 6 days vs every 6 weeks). On price, in-app purchases, device support and iOS requirement 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 4 in-app purchases, starting at $1.99 per month and 小龜記帳 sells 4 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.
InstaLedger ships an update every 6 weeks, 小龜記帳 every 6 days. The most recent releases landed on October 25, 2026 and October 28, 2026 respectively.
| Parameter | InstaLedger | 小龜記帳 |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 6 weeks | Every 6 days — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Devices | iPhone | iPhone |
| Requires iOS | 17.0 | 17.0 |
| Further details — not scored | ||
| Size | 36 MB | 41 MB |
| Age rating | 17+ | 4+ |
| Developer | HSIN YU TSAI | MINGQUAN WU |
In-app purchases
InstaLedger
- BASIC$1.991 Month
- PRO$9.991 Month
- BASIC$19.991 Year
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- PRO$99.991 Year
小龜記帳
- 個人月訂閱$1.991 Month
- 家庭月訂閱$2.991 Month
- 個人年訂閱$14.991 Year
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- 家庭年訂閱$24.991 Year









