InstaLedger vs 記帳手冊
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
記帳手冊
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Money Ledger | Your All-in-One Personal Finance Manager More than an expense tracker, Money Ledger helps you organize and understand every part of your financial life. KEY FEATURES • Income & Expense TrackingEasily record your daily income and expenses. Create custom categories, members, and projects to keep every transaction organized and easy to track. • Bank Account & Credit Card ManagementManage multiple bank accounts and credit cards in one place. Quickly review account balances, card spending, and payment history. • Loan & Installment ManagementTrack mortgages, auto loans, personal loans, credit card installments, and more. Stay on top of your repayment progress and remaining balances. • Trip & Group Expense SplittingCreate trips, add members, and record shared expenses. Money Ledger automatically calculates each person’s share and provides settlement suggestions, making group trips and gatherings easier to manage. • Investment Portfolio OverviewManage stocks, ETFs, and other investments to quickly understand your portfolio allocation and overall investment status. • Visual Reports & InsightsExplore intuitive charts showing spending trends, category breakdowns, and changes in your finances. Gain a clearer understanding of your spending habits. • Retirement PlanningEstimate your future retirement needs and explore long-term savings scenarios with compound growth projections. • Data Export & BackupExport and back up your financial records whenever needed, giving you greater control over your data. WHY CHOOSE MONEY LEDGER? • Clean, intuitive design that makes daily tracking effortless • Data is stored locally on your device to protect your privacy • Income Privacy Mode lets you hide income and balance information when needed • Combines expense tracking, bank accounts, credit cards, loans, group expenses, and investments in one app • Designed for practical, everyday personal finance management Download Money Ledger today and take control of your financial life.
Screenshots
Verdict
The clearest difference is in-app purchases: 記帳手冊 at none against InstaLedger's 4. 記帳手冊 also leads on ads (none vs shown) and update cadence (daily vs every 6 weeks). On price 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. 記帳手冊 asks for nothing beyond the download.
InstaLedger ships an update every 6 weeks, 記帳手冊 daily. The most recent releases landed on October 25, 2026 and October 9, 2026 respectively.
| Parameter | InstaLedger | 記帳手冊 |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 6 weeks | Daily — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | No — better |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 36 MB | 41 MB |
| Age rating | 17+ | 4+ |
| Developer | HSIN YU TSAI | CI-YU HUANG |
In-app purchases
InstaLedger
- BASIC$1.991 Month
- PRO$9.991 Month
- BASIC$19.991 Year
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- PRO$99.991 Year
記帳手冊
No in-app purchases









