投资理财必会 vs M Budget
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
投资理财必会
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经典理财教您用钱生钱，您投资理财时必学 钱虽不是万能的,但生活真的离不开钱。会赚钱是好事,会理财是大事! 理财不是富人的专利,而是一套任何人都可以学习的技术和方法。 为什么有些人越忙越穷,有些人却又有钱又有闲?为什么很多人勤劳却不富有?为什么很多高收入者依然是穷光蛋? 能够摆脱越忙越穷困境的,只能是学会投资理财的人! 脑袋决定口袋,口袋里的自由,决定你脸上的笑容,决定你一生的幸福。学会做加减法,让财富增值。 目录： 35岁前要上的33堂理财课 一生的理财计划 中国经济的12个问号 富人的二十八个理财习惯,赢在细节 富爸爸之投資指南 巴比伦富翁的理财课 投资最重要的事 献给七八十年代生人的理财圣经：奔奔族理财 让你的财富滚起来 高薪水比不上会理财
M Budget
This app helps you manage your finances with simple expense tracking, clear charts, and budget alerts. It prioritizes privacy with 100% on-device storage and no data collection. Track accounts, assets, and liabilities to gain better financial control.
- Fast expense and income logging
- Calendar view for daily spending
- Powerful statistical charts
- Net worth tracking
- Budget setting and alerts
- Multi-account management
- On-device data storage
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M Budget — Expense Tracker & Budget Take control of your money without the monthly fee. M Budget is a beautiful, private personal finance app that makes tracking your spending effortless — pay once, use forever. No subscription. No ads. No account required. Your data stays on your device. WHY M BUDGET • One-time purchase — no recurring subscription, ever • Private by design — runs on-device, no sign-up, no tracking • Genuinely simple, genuinely powerful TRACK EVERYTHING, EFFORTLESSLY • Log expenses, income, and transfers in seconds • Organize with rich categories and subcategories • Multiple accounts: cash, bank, credit cards, loans, and savings • Beautiful charts — see where your money goes by day, month, quarter, or year • Calendar view, net-worth trends, and savings-rate analysis SMART BUDGETS • Monthly and yearly budgets with overspending alerts • Budget history and forecasts so you always know what's left MULTI-CURRENCY, BUILT IN • Track any currency with live exchange rates • Perfect for travel, expats, and global spending WIDGETS & LOCK SCREEN • Home Screen and Lock Screen widgets • Add a transaction straight from your widget SECURE • Lock the app with Face ID / Touch ID AI THAT RESPECTS YOUR PRIVACY (on supported devices) • Just say it — log a transaction with your voice • Snap a receipt and let M Budget fill in the details • Get a friendly monthly spending review and smart insights • Powered by on-device intelligence — nothing leaves your iPhone INVESTMENTS • Track holdings across US, Hong Kong, and A-share markets, ETFs, funds, and crypto • Live quotes and automatic recurring investing (DCA) M BUDGET PRO (one-time purchase) Unlock everything with a single purchase: • iCloud sync across all your devices • Multiple users and shared household ledgers • Export & import (CSV, JSON, PDF, Excel) + iCloud backup • Premium themes • Recurring transactions & automatic credit-card / loan repayment • Investment accounts with live market data • On-device AI logging Also free: loan and deposit calculators, bill reminders, and one-tap logging from payment screenshots via Shortcuts. Your finances are personal. M Budget keeps them that way.
Screenshots
Verdict
The clearest difference is rating: M Budget at 5.0 against 投资理财必会's 4.5. M Budget also leads on update cadence (every 2 weeks vs every 3 months) and review sentiment (100% vs 86%). 投资理财必会's advantage is iOS requirement (8.0 vs 17.2). On price, ratings volume, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. 投资理财必会 sells 1 one-off in-app purchase and M Budget sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.
M Budget holds the better App Store score, 5.0 against 4.5. Both are backed by a comparable volume of ratings — 2 and 1 respectively. Written reviews point the same way: 86% of 投资理财必会's written reviews are positive against 100% of M Budget's.
投资理财必会 ships an update every 3 months, M Budget every 2 weeks. The most recent releases landed on November 1, 2026 and October 31, 2026 respectively.
| Parameter | 投资理财必会 | M Budget |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (2 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 85.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 2 — better | 1 |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Requires iOS | 8.0 — better | 17.2 |
| Further details — not scored | ||
| Size | 44 MB | 35 MB |
| Age rating | 4+ | 4+ |
| Developer | 世木 林 | 海燕 赵 |
Customer experience
投资理财必会
M Budget
In-app purchases
投资理财必会
- Remove Ads$2.99
M Budget
- M Budget Pro$14.99
