Comparison

AI Expense Tracker vs 小智记账

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

AI Expense Tracker

Features
Read full description

Ginti is an AI-powered expense tracker that makes logging transactions as fast as pasting a text message. No spreadsheets, no manual typing, no data entry. Copy a bank SMS, payment receipt, or credit card alert. Paste it into Ginti. AI extracts the amount, merchant, category, and currency — instantly. ================================ SMART PASTE ================================ - Paste any bank SMS, credit card alert, or payment notification - Works with Chase, Amex, Venmo, PayPal, Apple Pay, Google Pay, and hundreds more - AI-powered parsing extracts amount, merchant, and category automatically - 30+ currencies supported — USD, EUR, GBP, INR, and more - Spam, OTPs, and promotions are filtered out automatically ================================ SMART BUDGETS ================================ - Set a monthly budget and Ginti does the math for you - Live daily target updates with every transaction - See if you're ahead, on pace, or tightening up - Per-category budgets with over-allocation warnings - Automatic month rollover — no manual reset needed ================================ CLEAR INSIGHTS ================================ - Cumulative spending charts and category breakdowns - Month-over-month comparisons - Spending velocity tracked against your budget pace - Budget leakage alerts for overspent categories ================================ GENTLE REMINDERS ================================ - Start of Day — review yesterday's transactions - End of Day — catch up on today's spending before bed - Pick your own time for each reminder - Write your own message, or let Ginti rotate friendly defaults ================================ PRIVACY FIRST ================================ - Account numbers, card numbers, and phone numbers are masked before any AI processing - No access to your SMS, inbox, contacts, or clipboard history - Sign in with Apple — minimal data shared - Your data stays yours — delete your account anytime ================================ ALSO INCLUDED ================================ - Dark and light themes that match your system - Set up in under a minute ================================ HOW IT WORKS ================================ 1. Sign in with Apple or Google 2. Copy any bank SMS, alert, or receipt 3. Paste into Ginti — AI extracts the details 4. Review, approve, and track — all in one place ================================ GINTI PREMIUM ================================ Unlock full access to Ginti with a Premium subscription. Every new account gets a 21-day free trial of Ginti Premium — no payment, no credit card, and no subscription required to start. Enjoy full premium access during the trial. When the trial ends, you can choose a plan to continue. Available plans (auto-renewing) after the trial: - Weekly — $2.49 / week - Monthly — $6.99 / month - 3-Month — $17.99 / 3 months - Annual — $49.99 / year (best value) Payment will be charged to your Apple ID only if you choose to subscribe. Subscriptions automatically renew at the price shown at the time of purchase unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage or cancel your subscription at any time in Settings → Apple ID → Subscriptions on your device. ================================ LEGAL ================================ Privacy Policy: https://ginti.app/privacy Terms of Use (EULA): https://ginti.app/terms ================================ SUPPORT ================================ Email: hello@ginti.app Support: https://ginti.app/support Stop tracking expenses manually. Let Ginti handle it.

About

小智记账

This app simplifies expense tracking through conversational AI. Input your spending like sending a message, and it automatically identifies amounts and categories. Manage multiple budgets, view clear financial summaries, and even customize AI companions to make tracking more engaging.

Highlights
  • AI automatic expense recognition
  • Conversational expense input
  • Multiple ledger management
  • Voice input for expenses
  • Bill statistics and analysis
  • Customizable AI companions
Features
Read full description

小智记账是一款对话式 AI 记账 App。 支持消费内容智能识别与自动分类 可以像发消息一样输入消费内容,如“早餐6,奶茶18,地铁3”,系统会自动识别金额和分类,快速完成记账,让记账变得更简单。 *核心功能* 1.AI自动记账 智能识别消费金额与分类,减少手动录入。 2.多账本管理 分门别类,创建多记账本,满足不同记账场景,装修记账,恋爱记账,旅行记账,个人记账同时还能分帐本查看明细,统计分析;。 3.聊天记账 像聊天一样输入消费内容,自动识别金额和分类,轻松完成记账。 4.语音记账 语音输入消费内容,一秒完成记录。 5.账单统计 收支趋势、分类账单清晰展示,轻松看清每一笔开销。 6.AI陪伴记账 支持自定义 AI 角色,让记账更有回应感,也更容易坚持。 小智记账是一款简单好用的免费记账 APP,适合日常开销、工资收入、装修支出与人情账簿管理。支持账单分类、卡片统计、存钱目标与理财记录,也能当电子手帐使用。 如果你用过鲨鱼记账、随手记、神象云账本、随心记、钱迹、挖财、薄荷记账,或喜欢团团、图图、木木、喵喵、小青帐、小乖、阿柴/啊柴、一木、天天记账、喵钱、口袋记账、可乐记账、叨叨记账、猫猫记账、小贝、熊猫记账、女生记账、阿财、懒猫记账、有鱼记账、章鱼记账、圈子记、鸭记账、青子记账这类风格,小智记账同样好上手。 还支持打牌场景记账、消费圈子分享,帮你养成记账习惯,做你的随身存钱王。 【自动订阅服务说明】 1.订阅服务: A)月卡会员连续包月(1个月) B)年卡会员连续包年(1个年度) C)永久会员包永久(永久使用) 2.订阅价格: a)月卡会员:连续包月产品为6元/月 B)年卡会员:连续包年产品为48元/月 C)永久会员:包永久产品为38元/月 3.会员说明: 【自动续费月卡会员】 --月卡会员权益:去除广告,数据导出,分类预算,解锁密码的无限量使用 --订阅周期:1个月 --订阅价格:每月6元 --付款:用户确认购买并付款后计入iTunes账户 --取消续订:如需取消续订,请在当前订阅周期到期前24小时以前,手动在iTunes/Apple ID设置管理中关闭自动续订功能。 【自动续费季卡会员】 --年卡会员权益:去除广告,数据导出,分类预算,解锁密码的无限量使用 --订阅周期:1个年度 --订阅价格:每年48元 --付款:用户确认购买并付款后计入iTunes账户 --取消续订:如需取消续订,请在当前订阅周期到期前24小时以前,手动在iTunes/Apple ID设置管理中关闭自动续订功能。 【永久会员】 --永久会员权益:去除广告,数据导出,分类预算,解锁密码的无限量使用 --订阅周期:永久 --订阅价格:38元 --付款:用户确认购买并付款后计入iTunes账户 --取消续订:如需取消续订,请在当前订阅周期到期前24小时以前,手动在iTunes/Apple ID设置管理中关闭自动续订功能。 3.付款:用户确认购买并付款后计入iTunes账户 4.自动续费:苹果iTunes账户会在到期前24小时内扣费,扣费成功后订阅周期顺延一个订阅周期 5.关闭服务:您可以在苹果手机“设置” --> 进入“iTunes Store 与 App Store”-->点击 “Apple ID”,选择"查看Apple ID",进入"账户设置"页面,点击“订阅”,管理自动订阅服务,如需取消,每个计费周期结束前24小时关闭即可,到期前24小时内则不再扣费 6.服务协议: a)自动续费条款:https://shanghaipawo.top/auto-renewal-agreement.html b)会员服务协议:https://shanghaipawo.top/user-service-agreement.html 7 .隐私协议:https://docs.qq.com/doc/DVGFxdmNQYkdVVHBO 【意见反馈】 如遇问题或者有好的建议,欢迎加入QQ体验群反馈,将会有萌哒哒的视频妹为大家解答,并有持续好礼相送!官方QQ群:687391062。

Screenshots

AI Expense Tracker4 screens
小智记账4 screens

Verdict

The call

The clearest difference is in-app purchases: 小智记账 at none against AI Expense Tracker's 4. 小智记账 also leads on update cadence (weekly vs fortnightly). AI Expense Tracker's advantage is ads (none vs shown). On price, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. AI Expense Tracker sells 4 in-app purchases, starting at $2.49 per 7 days. 小智记账 asks for nothing beyond the download.

UpkeepUpdate frequency

AI Expense Tracker ships an update fortnightly, 小智记账 weekly. The most recent releases landed on October 31, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 5 level
AI Expense Tracker versus 小智记账: the parameters behind the verdict, then further details
ParameterAI Expense Tracker小智记账
PriceFreeFree
Positive reviews—0.0% of reviews
Update frequencyFortnightlyWeekly — better
AdsNo — betterYes
In-app purchasesYesNo — better
Monetization—Free with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.1 — better15.6
Further details — not scored
Size50 MB73 MB
Age rating4+4+
DeveloperSri Sadguru Software Solutions LLP丛丛 常

In-app purchases

4 purchases

AI Expense Tracker

Subscriptions4
  • Ginti Weekly$2.497 Days
  • Ginti Monthly$6.991 Month
  • Ginti Quarterly$17.993 Months
Show 1 more
  • Ginti Yearly$49.991 Year
None

小智记账

No in-app purchases

Questions

Is AI Expense Tracker free?
AI Expense Tracker is free to download, with in-app purchases available.
Is 小智记账 free?
小智记账 is free to download, with no in-app purchases.
Do AI Expense Tracker or 小智记账 have ads?
小智记账 shows ads; AI Expense Tracker does not.
Which is updated more often, AI Expense Tracker or 小智记账?
AI Expense Tracker ships an update fortnightly, and 小智记账 weekly. Most recently, AI Expense Tracker was updated on October 31, 2026 and 小智记账 on November 5, 2026.

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