清记 vs M Budget

“清”，是账目清晰，也是耳根清静。 【理念：我们为什么做这款 App】 市面上的记账软件越来越臃肿了。打开它们，满眼是理财广告、办卡推荐、繁杂的社区和让人眼花缭乱的各种入口。 但其实，我们需要的仅仅是一个能安安静静记录今天花了多少钱的工具。 于是，《清记》诞生了。 它剔除了所有与记账无关的噪音，回归工具的本质。没有广告，没有社交，没有多余的干扰。在这里，只有纯粹的收支，和清清楚楚的生活。 【功能：克制而强大】 极简极速：点开即记，没有任何多余的步骤，3秒钟完成一笔开销记录。 干净无扰：承诺永远无理财广告，无社区，不贩卖财务焦虑。 一目了然：清晰直观的折线与饼图，帮你轻松梳理每月的财务状况。 绝对隐私：你的财务数据属于且仅属于你个人，无需担心隐私泄露。 设计美学：延续留白美学，素雅清透的界面，让记账变成一种享受。 我们相信，最好的工具，是当你需要时它极其顺手，不需要时它安静地待在角落，从不打扰。 愿《清记》能帮你理清账目，也理清生活。 最终用户许可协议（EULA）：https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

M Budget — Expense Tracker & Budget Take control of your money without the monthly fee. M Budget is a beautiful, private personal finance app that makes tracking your spending effortless — pay once, use forever. No subscription. No ads. No account required. Your data stays on your device. WHY M BUDGET • One-time purchase — no recurring subscription, ever • Private by design — runs on-device, no sign-up, no tracking • Genuinely simple, genuinely powerful TRACK EVERYTHING, EFFORTLESSLY • Log expenses, income, and transfers in seconds • Organize with rich categories and subcategories • Multiple accounts: cash, bank, credit cards, loans, and savings • Beautiful charts — see where your money goes by day, month, quarter, or year • Calendar view, net-worth trends, and savings-rate analysis SMART BUDGETS • Monthly and yearly budgets with overspending alerts • Budget history and forecasts so you always know what's left MULTI-CURRENCY, BUILT IN • Track any currency with live exchange rates • Perfect for travel, expats, and global spending WIDGETS & LOCK SCREEN • Home Screen and Lock Screen widgets • Add a transaction straight from your widget SECURE • Lock the app with Face ID / Touch ID AI THAT RESPECTS YOUR PRIVACY (on supported devices) • Just say it — log a transaction with your voice • Snap a receipt and let M Budget fill in the details • Get a friendly monthly spending review and smart insights • Powered by on-device intelligence — nothing leaves your iPhone INVESTMENTS • Track holdings across US, Hong Kong, and A-share markets, ETFs, funds, and crypto • Live quotes and automatic recurring investing (DCA) M BUDGET PRO (one-time purchase) Unlock everything with a single purchase: • iCloud sync across all your devices • Multiple users and shared household ledgers • Export & import (CSV, JSON, PDF, Excel) + iCloud backup • Premium themes • Recurring transactions & automatic credit-card / loan repayment • Investment accounts with live market data • On-device AI logging Also free: loan and deposit calculators, bill reminders, and one-tap logging from payment screenshots via Shortcuts. Your finances are personal. M Budget keeps them that way.