# Timi记账 vs 挖财记账

The clearest difference is rating: 挖财记账 at 4.6 against Timi记账's 4.0. 挖财记账 also leads on update cadence (every 2 weeks vs every 2 months) and ratings volume (253 vs 32). Timi记账's advantage is ads (none vs shown) and review sentiment (71% vs 58%). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. Timi记账 sells 9 one-off in-app purchases and 挖财记账 sells 20 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.

挖财记账 holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: 挖财记账 has 253 ratings behind it against 32, so its average is the more settled of the two. Written reviews complicate that: 71% of Timi记账's written reviews are positive against 58% of 挖财记账's, so the app with the better star average is not the one people write more warmly about.

Timi记账 ships an update every 2 months, 挖财记账 every 2 weeks. The most recent releases landed on October 13, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Timi记账 | 挖财记账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.0 (32 ratings)](https://appshunter.io/ios/app/timi/id730234563/reviews) | **[4.6 (253 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews)** |
| Number of ratings | 32 | **253** |
| Positive reviews | **71.4% of reviews** | 58.2% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free with in-app purchases | Freemium |
| Size | 97 MB | 159 MB |
| Requires iOS | **11.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [Wealth Works Co., Ltd.](https://appshunter.io/developer/906271036) | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) |

## What reviewers say

### Timi记账

[App page](https://appshunter.io/ios/app/timi/id730234563)

Track your spending effortlessly and transform into a financial expert. This app offers powerful statistical analysis with visual charts and flexible budgeting tools to help you understand where your money goes. Its unique timeline-based method makes bookkeeping smooth and engaging.

**Highlights:** Timeline-based bookkeeping, Statistical analysis charts, Multi-account management, Budget reminders, Multi-currency support

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

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Timi记账去广告月服务 | $0.99 | one-time |
| 导出账单服务月卡 | $0.99 | one-time |
| 账单导入服务月卡 | $0.99 | one-time |
| 账单导入服务年卡 | $1.99 | one-time |
| 导出账单服务年卡 | $1.99 | one-time |
| 账单导入服务三年卡 | $2.99 | one-time |
| 导出账单服务三年卡 | $2.99 | one-time |
| Timi免广告服务年服务 | $3.99 | one-time |
| 免广告服务三年卡 | $9.99 | one-time |

**What reviewers like**

- 👍 Simple and easy to use
- 💡 Minimalist and clean design
- 🚀 Efficient for basic expense tracking
- 💡 Helpful for managing personal finances

**What reviewers complain about**

- 🐛 Occasional data loss or disappearance of entries
- 🔍 Limited customization options
- 💰 Lack of support for multiple currencies
- 📊 Inability to view comprehensive annual/quarterly reports

**Reported bugs**

- Date and time display issues
- Crashes and freezes after updates
- Inconsistent behavior when editing or deleting entries

**Requested features**

- Recurring expense/income tracking
- Budgeting and goal-setting features
- Cloud sync and backup functionality
- Multi-currency support
- More detailed reporting and analytics


### 挖财记账

[App page](https://appshunter.io/ios/app/ai/id1544045905)

Effortlessly manage your finances with AI-powered expense tracking. Import transactions from various sources, set budgets, and gain clear insights into your spending habits. Optimize savings and achieve your financial goals.

**Highlights:** AI intelligent expense tracking, Automatic import from WeChat, Alipay, banks, Voice and screen recognition for quick entry, Multi-user shared ledgers, Comprehensive financial reports, Budget and savings goal setting, Asset and debt management

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

**In-app purchases (20)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 标准会员连续包月 | $0.99 | per month |
| 超级会员连续包月 | $1.99 | per month |
| 标准VIP连续包月 | $1.99 | per month |
| 超级VIP连续包月 | $3.99 | per month |
| 标准会员连续包年 | $6.99 | per year |
| 连续包年 | $7.99 | per year |
| 超级会员连续包年 | $14.99 | per year |
| 超级会员连续包年 | $14.99 | per year |
| 连续包年 | $17.99 | per year |
| 标准月会员 | $1.99 | one-time |
| 免广告年会员 | $1.99 | one-time |
| 18元会员 | $2.99 | one-time |
| 基础永久会员 | $3.99 | one-time |
| 超级月会员 | $4.99 | one-time |
| 48元会员 | $6.99 | one-time |
| 标准两年会员 | $9.99 | one-time |
| 标准会员Plus | $9.99 | one-time |
| 基础永久会员 | $9.99 | one-time |
| 超级两年会员 | $24.99 | one-time |
| 超级会员Plus | $24.99 | one-time |

**What reviewers like**

- 👍 Long-term user loyalty (10+ years)
- 👍 Comprehensive features
- 👍 Good for habit building
- 👍 Data migration from other apps
- 👍 Useful for tracking expenses

**What reviewers complain about**

- 🐛 Frequent performance issues (lag, slow)
- 🐛 Data loss/disappearance
- 🐛 Inconsistent calculation errors
- 🐛 Frequent crashes and freezes
- 🐛 UI/UX degradation after updates

**Reported bugs**

- Data disappearing or showing as blank
- App crashing on startup
- Slow loading times and lag
- Inaccurate calculations for totals and sums
- Automatic ad clicks and redirects

**Requested features**

- Adapt dark mode
- Add clear cache function
- Restore 'missed payment' option
- Improve UI/UX to be more like '圈子账本'
- Add tagging for sub-categorization


## Frequently asked questions

### Is Timi记账 free?

Timi记账 is free to download, with in-app purchases available.

### Is 挖财记账 free?

挖财记账 is free to download, with in-app purchases available.

### Which has better reviews, Timi记账 or 挖财记账?

挖财记账 is rated higher. Timi记账 averages 4.0 out of 5 from 32 ratings, while 挖财记账 averages 4.6 from 253 ratings.

### Do Timi记账 or 挖财记账 have ads?

挖财记账 shows ads; Timi记账 does not.

### Which is updated more often, Timi记账 or 挖财记账?

Timi记账 ships an update every 2 months, and 挖财记账 every 2 weeks. Most recently, Timi记账 was updated on October 13, 2026 and 挖财记账 on October 14, 2026.

---

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