轻账记－极简记账与月度预算 vs SpendNote

轻账记是一款简洁、克制的个人记账 App，帮助你分别记好生活与事业，看清每个月的钱去了哪里。 【三步快速记账】 · 第一步输入支出或收入金额，计算器式键盘支持＋－×÷ · 第二步选择一级分类；有子类时立即弹出，选择后自动继续 · 第三步确认账本、日期、备注与分期，随后完成记账 · 每一步均可返回修改，也支持从左向右滑动返回 【按账本整理】 · 使用生活账本、事业账本或自建账本区分不同用途 · 每个账本独立汇总明细、统计、预算与订阅 · 首页可随时切换账本和月份 【统计与预算】 · 查看月度收支、结余和近六个月趋势 · 从一级分类继续查看子分类占比与具体账目 · 每个月可设置不同预算，更贴合节假日和消费高峰 【长期支出】 · 支持分期记账，自动按月拆分 · 支持管理周期订阅，并快速生成当期账目 【数据与隐私】 · 数据保存在你的设备与私人 iCloud 中 · 支持按月份、账本及收支类型导出 CSV · 无广告，无需注册 轻账记采用纯黑、纯白与微皱纸张质感，让记账保持安静、清楚、有秩序。

Track expenses and income in seconds, plan monthly budgets, and understand where your money goes—without creating an account or connecting a bank. SpendNote is a private, offline-first expense tracker and budget planner. Your ledger stays on your device by default, with no ads and no third-party analytics SDKs. PRIVATE BY DEFAULT • No account required to start • No ads and no ad SDKs • No bank connection required • Your ledger stays on your device by default • No third-party analytics SDKs MADE FOR THE EVERYDAY • Fast amount entry for expenses and income • Useful default categories plus free custom categories • Monthly overview, budget progress, recent activity, search, and repeat bills • Notes, dates, local backup and restore • Recent CSV export in the free plan • Face ID protection when you want it UNDERSTAND WHAT CHANGED Use on-device insights, monthly review, and filtered reports to see category drivers, compare periods, and answer specific spending questions without uploading your ledger. SPENDNOTE PRO Pro adds advanced filtered reports, recurring-cost control, deeper trends, unlimited budgets, private Home Screen and Lock Screen widgets, and full-history or filtered CSV export. Widgets show simple budget status without exposing transaction details. SpendNote Pro is an auto-renewable subscription available monthly or yearly. Eligible new subscribers may receive a 7-day free trial. Prices, billing currency, tax, and trial availability are shown by Apple before purchase and can vary by storefront. Payment is charged to your Apple Account after a trial ends. Your subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in your Apple Account subscription settings. Restore purchases is available in the app. SpendNote is a personal budgeting and bookkeeping aid, not a financial institution. It does not provide investment, tax, legal, loan, banking, or credit advice. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/