维维记账 vs Riyu

维维记账是一款专注于「轻松记、放心存」的本地优先个人记账 App。无需繁琐输入，按住说话即可智能记账。 【核心亮点】 · AI 语音与文字记账 主动提交文字或语音转写文字后，AI 可识别金额、分类、备注与时间，生成待确认草稿；确认后才写入本地账本。 · 会员 AI 不限次 所有有效月度、年度和终身会员，在权益有效期间使用 AI 记账、截图文字识别、对话和账单分析均不限次数，并解锁高级统计和账单导出。 · 本地优先与可选 iCloud 同步 账单默认保存在设备本地；你可自行开启 Apple iCloud 私有数据库同步。同步由 Apple 系统调度，不属于付费会员权益。 · 分类预算与清晰统计 支持分类预算、超支提醒、收支总览、分类占比、年度趋势和预算追踪。 · 便捷导入导出 支持 CSV 账单导入；会员可导出 CSV 账单用于备份或迁移。 【隐私说明】 自建服务器不作为云账本存储账单明细。仅当你主动使用联网 AI 功能时，你提交的文字、在本机完成 OCR 后的截图文字，以及完成账单查询或分析所必需的账单上下文，会经我们的服务器传输至 DeepSeek 处理；原始图片和原始录音不会上传。具体数据处理方式见隐私政策。 【会员服务】 月度会员、年度会员为自动续期订阅；终身会员为一次性购买。价格、周期和权益以 App Store 购买页为准。月度和年度订阅可随时在 Apple 账户的订阅管理中取消自动续费。 使用条款（EULA）：https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ 隐私政策：https://cash.nbalaw.cn/privacy.html

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/