口袋记账 vs 挖财记账
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
口袋记账
This app helps you track your expenses, manage savings, and organize financial records like reimbursements and gifts. It offers detailed reports, multi-account management, and loan tracking. Get personalized financial advice from experts to improve your money management skills.
- Quick expense logging
- Import credit card and Alipay bills
- Generate income/expense reports
- Multi-account management
- Loan and IOU tracking
- Asset balance overview
- Financial expert advice
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应用简介： • 苹果商店热门免费财务记账APP • 新浪、搜狐、36氪、今日头条等知名媒体报道 • 知乎、豆瓣、简书、最美应用用户多次推荐 1）想知道钱花哪儿了？ 2）想存钱却总也存不下钱？ 3）每次记报销、记人情红包和友情周转最后总是一团糟？ 4）想学理财却无从下手？ 口袋记账专为解决以上难题诞生，超千万用户都在使用这款超棒的软件！ 1、2秒随手记账，支持信用卡账单、支付宝账单导入； 2、自动生成收支统计图、年收支曲线图等报表，可导出excel； 3、支持多账本：分账本记录公司账、装修、旅游、报销、结婚等； 4、支持借条欠条管理，详细记录接入借出记录，人情往来不马虎； 5、提供资产管理，随时展示信用卡、支付宝等账户余额情况； 6、力哥、简七、越女等理财大V每日分享精彩观点，帮你从理财小白变资深达人。 如果关于产品你有任何疑问或者建议，都可以直接通过下列方式联系我们，和我们一起优化产品！ 联系我们： 反馈邮箱：kdjz@qeeniao.com 会员订阅服务和连续包月说明： -连续包月会员：16元/月（首月9元特惠） -连续包年会员：88元/年 其他说明：-付款：将在确认购买时从itunes账户中扣除 -取消付款：如需取消订阅，请在当前订阅周期到期前24小时以前，您可以在苹果手机“设置”-“itunes store与App Store”-选择“Apple ID”-点击“查看 Apple ID”-在账户设置页面点击“订阅”-管理自动订阅服务，如需取消订阅，到期前24小时前关闭即可，到期前24小时内将不再扣费 -续费：苹果itunes账户会在到期前24小时内扣费，扣费成功后订阅周期顺延一个订阅周期 -隐私权政策：https://m.ikoudai.cc/h5/article/webshow/28 -会员服务协议：https://m.ikoudai.cc/h5/article/webshow/27 -自动订阅服务协议：https://m.ikoudai.cc/h5/article/webshow/38
挖财记账
Effortlessly manage your finances with AI-powered automatic accounting. Import transactions from various platforms, track spending, set budgets, and gain insights into your financial health with comprehensive reports. Ideal for personal, family, or business use.
- AI-powered automatic accounting
- Import from WeChat, Alipay, banks
- Voice and screen recognition for quick entry
- Comprehensive reports and statistics
- Budgeting and financial planning
- Multi-user shared ledgers
- Asset and liability management
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AI智能导入，快速开始管理账单，微信、支付宝、银行等一键导入，立即体验满血的账单管理服务。 快捷指令自动记账，消费后双击记账，简单又有趣！ “钱花哪儿”一清二楚，省钱存钱从现在开始！ 【功能特色】 1、AI智能记账 - 语音快捷指令：用Siri唤起“挖财语音记账”或者自定义唤出方式，智能语音记账 - 识屏快捷指令：微信、支付宝消费后，打开账单页，轻敲手机背后马上记账 - 批量智能导入：微信、支付宝、银行等excel账单，一键导入，智能分类 - 周期自动记账：水电煤、公积金等定期按时入账，不必担心漏记 2、手动记账 - 类型丰富：支出、收入、转账、借贷、报销、退款账单全面支持 - 智能学习，遵循操作习惯，越用越顺手 - 速记模板，提前预设记账模板，秒记无压力 3、多人共享账本，多端实时同步 - 适合个人、家庭记账、生意合伙、团队项目等多场景共享 - 免费云备份，多端实时同步，换手机登录同账号，自动同步，数据无忧 4、全面的账单管理 - 账单明细：12个统计维度，支出、收入、转账、借贷、报销、退款等多种账单一处管理 - 日历账单：4种账单日历，每日收支一目了然，漏记补账方便快捷 - 账单搜索：输入关键词，快速检索各类型账单，轻松定位 - 超多报表：29种报表，多维度的报表帮你追踪花销流水 5、资金计划管理 - 覆盖信用卡还款、房租、水电、借贷还款等多种待办事项 - 快速统计未来某段时间的固定开支总金额，帮助管好现金流 - 可靠的提醒服务，重要款项不错过 6、资产负债 - 资产管理：管理资产和负债，“钱在哪儿”一目了然 - 信用卡管理：管理免息期、信用额度等，“羊毛”要薅到就是赚到 - 账户账单页，逐条账单对账，信息清晰明了 7、预算目标 - 支出、收入、结余都可独立设置预算目标，存钱省钱都满足 - 全部、年、季、月、周、日多周期预算，想管多细有多细 - 类别、成员、标签、商家等可设置子预算 - 创建一次，下个周期自动延续，管理更简单 8、个性化设置 - 账本封面，首页日历、报表、预算等7大模块定制服务 - 自定义类别、账户图标、个性化标签服务 - 账单列表样式设置等 9、其他特色 - 多币种：出国旅游、生活、工作，方便外币记账 - 数据安全：支持Face ID/指纹解锁账本 - 特色小组件：多样特色小组件，添加到手机桌面美观好用 【会员服务】 1、非连续订阅会员服务： - 基础会员：年会员，永久会员 - 标准会员：月会员，年会员 - 超级会员：月会员，年会员 2、连续订阅会员自动续费服务： - 订阅周期：1个月或1年 - 订阅价格：标准会员连续包月、标准会员连续包年、超级会员连续包月、超级会员连续包年 - 您的iTunes账户会在购买确认后立即扣款 - 购买连续订阅会员的帐号，会在每个月到期前24小时，自动在 iTunes 账户扣费并延长1个月或1年会员有效期 - 取消订阅应当在会员服务到期前，提前至少 24 小时完成，否则此订阅将继续有效 - 如需取消订阅，请手动打开手机「设置」， 进入「Apple ID」，选择「订阅」，选择订阅商品取消订阅即可。 服务协议： 1）付费会员服务协议：https://www.yuancaiyun.com/ikebana/contract/1E82B02865773CB8FDB9A16BA1AF1D06 2）连续订阅会员服务协议：https://www.yuancaiyun.com/ikebana/contract/970407CDD20C17DFB287CA654E93F7C6 3）个人信息保护政策：https://www.yuancaiyun.com/ikebana/contract/5165EC0CF11AF32B0FE5FD93521BCB39 4）用户服务协议：https://www.yuancaiyun.com/ikebana/contract/44FADE5EE6670BC7B6528021400E6EF0 【联系我们】 - 意见反馈：可通过我的-关于-邮箱发送邮件和我们联系 - 如果您喜欢我们的服务，请留下您的好评，让更多人看到我们！您的支持是我们前进的动力！
Screenshots
Verdict
The clearest difference is update cadence: 挖财记账 at fortnightly against 口袋记账's every 2 months. 口袋记账's advantage is review sentiment (77% vs 58%) and iOS requirement (12 vs 15.0). On price, rating, ratings volume and ads 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. 口袋记账 sells 8 in-app purchases, starting at $1.99 per month and 挖财记账 sells 10 in-app purchases, starting at $0.99 per month. Whichever you choose, the download price is not the number that matters.
On the App Store both sit at effectively the same score — 4.7 for 口袋记账 against 4.6 for 挖财记账. Both are backed by a comparable volume of ratings — 561 and 256 respectively. Written reviews are what separate them: 77% of 口袋记账's written reviews are positive against 58% of 挖财记账's.
口袋记账 ships an update every 2 months, 挖财记账 fortnightly. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | 口袋记账 | 挖财记账 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (561 ratings) — better | 4.6 (256 ratings) |
| Positive reviews | 77.2% of reviews — better | 58.1% of reviews |
| Number of ratings | 561 — better | 256 |
| Update frequency | Every 2 months | Fortnightly — better |
| Ads | Yes | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12 — better | 15.0 |
| Further details — not scored | ||
| Size | 190 MB | 159 MB |
| Age rating | 4+ | 9+ |
| Developer | Shanghai Peng Data Co., Ltd. | Hangzhou Yuancai Technology Co.,Ltd. |
Customer experience
口袋记账
挖财记账
User reviews
口袋记账
From 561 App Store ratingsWhat we love
- 👍 Simple and easy to use
- 🚀 Convenient and efficient
- 💡 Helpful budgeting and reporting features
- 🎨 Visually appealing interface
Room to improve
- 🙄 Excessive advertisements
- 🐛 Stability issues and bugs
- 🤔 Lack of advanced features and customization
- 🔒 Concerns about data security and privacy
挖财记账
From 256 App Store ratingsWhat we love
- 👍 Long-term user loyalty (10+ years)
- 👍 Comprehensive features
- 👍 Good for habit building
- 👍 Data migration from other apps
- 👍 Useful for tracking expenses
Room to improve
- 🐛 Frequent performance issues (lag, slow)
- 🐛 Data loss/disappearance
- 🐛 Inconsistent calculation errors
- 🐛 Frequent crashes and freezes
- 🐛 UI/UX degradation after updates
Bugs and requests
口袋记账
Reported bugs
4 issues- Frequent app crashes
- Incorrect date/time display
- Syncing issues between devices
- Compatibility problems with newer devices
Requested features
5 requests- Support for multiple currencies
- Ability to schedule recurring transactions
- Option to set future dated transactions
- Improved syncing and backup functionality
- More detailed reporting and analytics
挖财记账
Reported bugs
73 issues- 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
Show 68 moreShow fewer
- Screen remains blank upon opening
- Input not displaying immediately after entry
- Recurring transaction bugs
- Login failures and timeouts
- Inability to receive verification codes
- Cash calculation errors after updates
- App not syncing data
- Issues with facial recognition unlocking
- Unable to edit repayment interest
- Periodic account connection issues
- Network instability causing data unavailability
- Opening screen freezes
- Payment interest cannot be changed
- Spending flow calculation errors
- App automatically redirects to other app stores
- Freezing on startup screen
- Screen is blank after entering
- New version not displaying input immediately
- Monthly spending totals are incorrect
- Daily spending totals are incorrect
- Automatic entries for recurring transactions are inconsistent
- App crashes frequently
- Data is lost after updates
- Calculations are incorrect
- App is slow and laggy
- Ads are intrusive
- UI changes are confusing
- Features that were previously free are now paid
- Customer support is unreachable
- Smart customer service is unhelpful
- App not supporting widgets
- Cannot record zero-value transactions
- Icons and colors are not customizable
- User interface is not intuitive
- Unable to edit transaction details easily
- Recurring transaction bugs
- Login failures and timeouts
- Inability to receive verification codes
- Cash calculation errors after updates
- App not syncing data
- Issues with facial recognition unlocking
- Unable to edit repayment interest
- Periodic account connection issues
- Network instability causing data unavailability
- Opening screen freezes
- Payment interest cannot be changed
- Spending flow calculation errors
- App automatically redirects to other app stores
- Freezing on startup screen
- Screen is blank after entering
- New version not displaying input immediately
- Monthly spending totals are incorrect
- Daily spending totals are incorrect
- Automatic entries for recurring transactions are inconsistent
- App crashes frequently
- Data is lost after updates
- Calculations are incorrect
- App is slow and laggy
- Ads are intrusive
- UI changes are confusing
- Features that were previously free are now paid
- Customer support is unreachable
- Smart customer service is unhelpful
- App not supporting widgets
- Cannot record zero-value transactions
- Icons and colors are not customizable
- User interface is not intuitive
- Unable to edit transaction details easily
Requested features
45 requests- 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
Show 40 moreShow fewer
- Add number formatting with commas
- Add option to edit/customize icons and colors
- Restore monthly budget remaining calculation
- Add ability to edit transaction details more easily
- Improve recurring transaction management
- Add ability to merge/migrate accounts
- Add support for widgets
- Improve search functionality with date ranges
- Add ability to reorder accounts
- Add ability to set custom background colors
- Add facial recognition/password lock for app access
- Improve budget feature with category comparison
- Add ability to split reimbursements
- Add support for multiple currencies and automatic exchange rate updates
- Improve user interface for better clarity and efficiency
- Restore community features for user interaction
- Restore financial management sections
- Add automatic bank/SMS data import
- Add option for partial refunds
- Improve loan/borrowing tracking clarity
- Add ability to set default values for fields
- Add ability to customize transaction entry fields
- Improve handling of zero-value transactions
- Add automatic recommendation for tags/merchants
- Restore ability to search nearby merchants
- Add ability to set default account for new transactions
- Add option to customize transaction entry interface
- Add ability to view historical data by month/year easily
- Add ability to adjust account name length limits
- Add ability to manage recurring transactions in a central place
- Add ability to select currency for new accounts
- Add ability to view account details by currency
- Add ability to customize transaction entry fields
- Add ability to set default account for new transactions
- Add ability to customize transaction entry interface
- Add ability to view historical data by month/year easily
- Add ability to adjust account name length limits
- Add ability to manage recurring transactions in a central place
- Add ability to select currency for new accounts
- Add ability to view account details by currency
In-app purchases
口袋记账
- 连续包月1 Month trial$1.991 Month
- 连续包月2 variants$1.991 Month
- 连续包年2 variants$12.991 Year
- 口袋VIP一个月$2.99
- 口袋VIP6个月$7.99
- 口袋VIP六个月$9.99
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- 口袋VIP12个月$11.99
- 口袋VIP12个月$14.99
挖财记账
- 标准会员连续包月$0.991 Month
- 超级VIP连续包月$3.991 Month
- 标准会员连续包年$6.991 Year
Show 2 moreShow fewer
- 连续包年$7.991 Year
- 超级会员连续包年$14.991 Year
- 超级月会员$4.99
- 48元会员$6.99
- 标准两年会员$9.99
Show 2 moreShow fewer
- 基础永久会员$9.99
- 超级两年会员$24.99
