安心记账簿 vs Riyu

安心记账簿是一款面向 iPhone 的日常记账工具，重点关注易用性和信息安全。 你可以快速记录收入和支出，按分类、账户、日期和备注整理每一笔明细；也可以查看月账单、年账单和近期记录汇总，了解自己的消费结构。 主要功能： - 快速记录收入和支出 - 自定义分类和账户 - 月账单、年账单和收支汇总 - 每月预算设置 - 本地安全锁与 Face ID 解锁 - 本地保存账本，在系统 iCloud 可用时自动同步。 安心记账簿不会强制注册账号。账本保存在你的设备本地；当设备已登录 iCloud 且同步可用时，会通过 Apple iCloud 在使用同一 Apple 账户的设备间同步。

Riyu is a simple daily budget app built around one question: How much can I spend today? Set your income, fixed expenses, and savings plan. Riyu turns the available amount into a daily budget. Unused money rolls forward, while overspending is reflected in the days ahead—so your budget adapts to real life. KEY FEATURES • Daily budget: See what you can safely spend today • Quick expense entry: Record amount, category, note, and time • Rolling balance: Carry unused budget or overspending into future days • Monthly overview: Understand spending trends and budget progress • Home Screen widget: Check today's balance without opening the app • Shortcuts: Record expenses faster • iCloud sync: Keep data in sync across your Apple devices • Shared budgets: Invite up to 5 people to manage one budget together PRIVACY FIRST Your data stays on your device and in your private iCloud database. Shared budgets use Apple CloudKit sharing. Riyu is free to download. You can explicitly start a one-month, device-local trial of core write features. The trial does not renew or charge automatically. A separate one-time in-app purchase permanently unlocks core write features. Shared-budget collaboration for the owner is an auto-renewing monthly subscription, manageable or cancellable in Apple Account subscription settings. Privacy Policy: https://riyu.tandio.cn/privacy Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/