# X记账 vs Smart Ledger

The clearest difference is in-app purchases: X记账 at none against Smart Ledger's 3. X记账 also leads on iOS requirement (17.0 vs 26.0). On price, review sentiment, update cadence and ads there is nothing between them.

Both are free to download. Smart Ledger sells 3 in-app purchases, starting at $0.99 per month. X记账 asks for nothing beyond the download.

X记账 ships an update every 5 days, Smart Ledger every 4 days. The most recent releases landed on November 5, 2026 and November 6, 2026 respectively.

## The numbers

| Metric | X记账 | Smart Ledger |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/smart-ledger-one-line-budget/id6803884159/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 5 days | **Every 4 days** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 6 MB | 75 MB |
| Requires iOS | **17.0** | 26.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [皓翔 邓](https://appshunter.io/developer/6780581863) | [帆 李](https://appshunter.io/developer/6803722783) |

## What reviewers say

### X记账

[App page](https://appshunter.io/ios/app/x/id6783287530)

This app helps you quickly track daily spending and analyze consumption patterns. It prioritizes privacy by processing payment data locally, offering features like budget management and trend analysis. Enjoy a 30-day free trial to explore its full capabilities.

**Highlights:** Quick payment recording, Local data processing for privacy, Daily and monthly spending analysis, Budget tracking and overspending alerts, CSV export for bills, Widget and Lock Screen integration

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Smart Ledger

[App page](https://appshunter.io/ios/app/smart-ledger-one-line-budget/id6803884159)

Effortlessly track expenses by entering multiple transactions in a single sentence. Review daily spending, manage budgets, and gain insights with clear statistics. Sync data across devices and enjoy a privacy-first approach to personal finance.

**Highlights:** Multi-transaction entry in one sentence, Daily spending overview, Flexible daily and fund budgeting, Natural language search for transactions, Weekly, monthly, and yearly statistics, Recurring transaction management, iCloud sync for data backup, Shortcuts integration for quick entry

**Features:** Family Sharing, iPhone Duo support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Smart Ledger Pro Monthly | $0.99 | per month |
| Smart Ledger Pro Yearly | $6.99 | per year |
| 永久会员 | $9.99 | one-time |


## Frequently asked questions

### Is X记账 free?

X记账 is free to download, with no in-app purchases.

### Is Smart Ledger free?

Smart Ledger is free to download, with in-app purchases available.

### Do X记账 or Smart Ledger have ads?

Neither X记账 nor Smart Ledger shows ads.

### Which is updated more often, X记账 or Smart Ledger?

X记账 ships an update every 5 days, and Smart Ledger every 4 days. Most recently, X记账 was updated on November 5, 2026 and Smart Ledger on November 6, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*