X记账 vs Smart Ledger

X记账是一款以“今日消费状态”为核心的本地账本。打开 App，就能快速看到今天花了多少、主要花在哪些类型，以及本月预算是否仍在控制范围内。 付款后快速记录 在微信、支付宝、Apple Pay 或其他付款成功页，你可以配合一个个人快捷指令和“轻点背面”快速记录。触发后依次显示“识别中…”与识别结果，并在灵动岛中核对金额、商户、消费场景和扣款账户后保存。连续确认并主动开启后，完整且高可信的结果也可自动保存；其他结果仍交由你确认。 隐私优先的本机识别 付款截图只由你主动通过快捷指令传入，并使用 Apple Vision 在本机识别。X记账不会主动读取其他 App、聊天、通知或相册，不保存原始付款截图，也不会上传账单数据。 清楚掌握消费状态 • 今日支出与昨日对比 • 消费类型分布 • 周、月、年消费趋势 • 月度预算与超支状态 • 资产、负债及扣款账户记录 • 待处理账单集中确认 快速访问 • iPhone 桌面小组件 • 锁屏与灵动岛待确认提醒 • App 快捷指令与个人自动化 • CSV 账单导出 现有功能免费使用 新增与编辑账单、预算、账户管理、付款截图识别、自动记账和 CSV 导出均免费开放，无试用期限，无需订阅或买断。 无需注册账号。数据默认保存在本机，由你自己掌控。 使用条款：https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ 隐私政策：https://tall-axolotl-1b5.notion.site/X-38e464420afe8065b0c3e7f403a74c0b

Smart Ledger is a focused personal finance app that makes everyday bookkeeping faster and easier. Record one or multiple transactions in a single sentence, review the results, and save them together. 【Multiple Transactions in One Entry】 Enter “Lunch 20, coffee 30, taxi 10” and Smart Ledger separates the text into individual transactions for you to review and save. 【Today at a Glance】 See today’s spending, available budget, flexible funds, and recent activity in one place. 【Flexible Budgeting】 Daily Budget and Flexible Funds can be enabled independently. Simple progress indicators help you understand what has been spent and what remains. 【Bills and Search】 Browse transactions by date, type, or category, and use natural-language search to find relevant records. 【Clear Statistics】 Review weekly, monthly, and yearly trends, category breakdowns, and budget progress to better understand your spending. 【Recurring Transactions】 Manage regular income and expenses without repeatedly entering the same information. 【iCloud Sync】 Back up, restore, and sync your ledger data between supported iPhones using iCloud. 【Shortcuts】 On supported iPhone models, use Shortcuts and the Action button to recognize a payment screen and record it quickly. Other models can run the shortcut from the Shortcuts app. 【Privacy First】 Your ledger remains under your control. iCloud sync is optional. Smart Ledger turns everyday bookkeeping into a simpler, more natural habit—one line at a time. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/