小皮账本 vs Pico Saving
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
小皮账本
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【小皮账本 · 让 AI 替你管钱】 厌倦了打开 App、翻分类、一条条手动填? 小皮账本用 AI 对话的方式,让记账变得和发微信一样轻松。 — 核心功能 — AI 智能记账 直接和 AI 说话:「午饭35块」「今天买了件衣服150」,AI 自动解析分类、金额、时间,一键入账,无需手动选分类。 截图识别记账 拍下收据、账单截图,AI 自动识别金额和消费项目,快速完成记录。 语音输入 开口说话即可记账,双击手机背面即可唤起,随时随地记录每一笔。 财务分析图表 消费趋势图、资产分布图、本月 TOP3 支出分类,一眼看清钱都去了哪。AI 还会提供个性化的健康消费建议。 账单时间轴 按日查看支出/收入明细,清晰呈现每一天的资金流向。 账户资产管理 多账户余额统览,现金、银行卡、支付宝、微信,统一管理不遗漏。 全局搜索 快速检索历史账单,任何时间任何金额都能秒找到。 数据导出 支持导出 PDF 或 Excel,方便报销、对账、留存备份。 — 高级版(PRO)— · AI 记账无限次对话 · 截图识别记账无限次 · 全部财务分析图表 · AI 人设个性化配置 · 无限导出 PDF/Excel · 多设备实时云端同步 · 去除所有广告 订阅方案灵活:月度、季度、年度随心选,年度最划算。 — 为什么选小皮账本?— 记账门槛极低:不用背分类、不用打开 App 专门记,随手一说就搞定 数据完全安全:本地存储为主,支持云端同步,隐私有保障 界面简洁好看:手绘风设计,清新不刻板,用起来心情好 iOS 原生体验:支持 iOS 16 及以上,流畅、省电、响应快 — 适合这些人 — · 想养成记账习惯但总忘记/嫌麻烦的你 · 想知道钱花哪里了但不想花时间整理的你 · 想用 AI 工具但希望有实际用途的你 · 精打细算、认真理财的你 立即下载,让 AI 帮你管住每一分钱! 隐私政策:http://jiniangu.top/web/xiaopi/privacy.html 用户协议:http://jiniangu.top/web/xiaopi/protocol.html 服务条款(EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
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 iOS requirement: Pico Saving at 13.0 against 小皮账本's 16.0. On price, ads, 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. 小皮账本 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 | 小皮账本 | Pico Saving |
|---|---|---|
| Price | Free | Free |
| Update frequency | Monthly | — |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 85 MB | 33 MB |
| Age rating | 9+ | 4+ |
| Developer | Hefei Jiniangu Technology Co., Ltd. | Private Intelligence Inc. |
In-app purchases
小皮账本
- 月会员$1.991 Month
- 季度会员$3.993 Months
- 年会员$6.991 Year
Pico Saving
- Sakura Bank$0.99









