知余 vs Walti

知余是一款个人记账与资产管理工具。它从「快速记一笔」开始，帮你把日常收支、账户余额、负债、订阅、保险、分期和报销整理到同一个账本里。 有所积，方有余。每一笔记录都会慢慢拼出你的财务全貌。 一键记账 打开知余，可以在「今日」页面快速记一笔。也可以使用截图识别和 iOS 快捷指令，把支付截图转换成账单记录。识别结果可复核、可编辑、可撤销。 截图识别 你主动选择截图后，知余会识别金额、商家、分类、时间和可能关联的账户，减少手动输入。低置信度记录会提示复核，方便你确认后再保存。 资产管理 统一记录现金账户、信用账户、贷款、固定资产和投资记录，查看总资产、总负债、净值和负债率。 余力分 知余会根据资产、负债、现金储备、固定支出等数据，生成个人参考用的余力分，帮助你了解当前现金流和负债压力。余力分仅用于账本记录和个人参考，不构成财务、投资或信贷建议。 固定支出 管理订阅、保险、分期、人情借贷、报销和押金，减少漏记、忘记续费和临时支出记不清的情况。 数据洞察 查看支出趋势、消费结构、商家记录和账本变化，了解自己的消费习惯和资金流向。 隐私与数据 账本数据以本地记录为主。iCloud 同步、截图识别和行情参考仅在你启用或主动使用相关功能时进行。具体数据处理方式请查看隐私政策。 会员功能 知余的基础记账和资产管理功能可免费使用。更高的截图识别额度、iCloud 同步和账本导出等能力可通过应用内购买开通，具体权益以 App 内说明为准。 使用条款：https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ 订阅条款：https://zhiyu.zxhy.xyz/subscription-terms 隐私政策：https://zhiyu.zxhy.xyz/privacy

Walti is a private, offline expense tracker for iPhone. Record daily spending in seconds, understand where your money goes, and stay within budget — without an account, ads, or tracking. SCAN RECEIPTS Take a photo of a receipt and Walti fills in the store, total, date and category. The receipt is read on your iPhone and never leaves it. Available on iPhones with Apple Intelligence: try 3 scans, then scan as much as you like with Premium. FAST EXPENSE TRACKING - Add the amount, title, category, date, payment method, and an optional note - Press and hold the + button on Overview to instantly re-log frequently added expenses - Edit or delete entries anytime - Search your history and filter by category or day BUDGETS AND INSIGHTS - See your monthly total, category breakdown, recent expenses, and today’s and yesterday’s spending - Set a monthly budget and add monthly income to see what is left - Compare this month with last month - Explore 3, 6, or 12 months of spending trends - Review your spending on a calendar RECURRING EXPENSES Set up weekly, monthly, or yearly expenses for rent, bills, and subscriptions. Walti shows what is due and waits for your confirmation before adding anything to your history, so your records stay accurate. Choose a custom icon for each recurring expense. HOME SCREEN WIDGETS Add expenses quickly or check your monthly total, budget progress, categories, and recent activity at a glance. PRIVATE BY DESIGN Your expenses, notes, budgets, and settings stay on your iPhone. Walti has no account system, no ads, no cloud sync, and no behavioral analytics. It works fully offline. Export a JSON backup whenever you want and import it without overwriting existing records. MADE FOR YOU - 12 built-in categories with distinct colors and icons - Choose your currency and switch between 40 app languages - Light, dark, and OLED-black appearance - A daily reminder only on days when you have not logged an expense WALTI PREMIUM Walti is useful from day one for free. An optional one-time purchase unlocks: - Unlimited recurring expenses - Per-category budgets - Unlimited custom categories with your own names, colors, and icons - Full analytics: monthly projection, spending pace, category trends, fixed vs. flexible spending, and weekly patterns - Every accent theme No subscription. Buy once and keep Premium. See where your money goes — privately, simply, and on your terms.