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Cháy Túi vs Sổ Thu Chi MISA: features and pricing compared
Sổ Thu Chi MISA (internationally MISA Money Keeper, made by MISA JSC) is a personal and family expense tracker, separate from the same company’s business accounting software. Cháy Túi is a new iOS app, now available on the App Store (iPhone), so this page only compares features, how data is stored and published prices. Information about Sổ Thu Chi MISA comes from public sources, with a source number after each point; anything we could not verify is marked “not verified”.
Updated: 04/10/2026
Competitor information comes from public sources and may change; last updated 04/10/2026.
| Criteria | Cháy Túi | Sổ Thu Chi MISA |
|---|---|---|
| Data entry | Manual entry; type like a chat message (“bún bò 45k”, “1tr5”); speak Vietnamese via iOS speech recognition | Manual entry, voice, chat messages and receipt photos (AI categorises); recurring transactions and entry reminders¹ |
| Receipt scanning | On-device OCR and AI, unlimited on every plan; cloud AI: Free 30 scans/month, Pro 300/month, Max 600/month. You confirm each entry before saving | AI receipt scanning available¹; Premium lists unlimited scans⁴. The exact free-version limit: not verified |
| Automatic bank import | No bank linking and no bank password. Import statement files (CSV, Excel, PDF) or screenshots of transactions; Túi flags rows that duplicate what you already logged | The App Store description says bank linking lets transactions update automatically; there is a separate in-app purchase called “Bank balance change notifications” at 49,000 VND (period not stated); the 2 Oct 2026 update fixed a bank-account linking issue¹. The bank list, conditions and how login details are handled: not verified |
| Sync and data storage | Local-first; data goes to Cháy Túi’s server only when you sign in to sync across devices (every plan) or use features that need a server such as cloud AI | Sync across phones and tablets; a desktop version is “coming soon”¹. The terms say anonymised aggregate data may be used for research, and that it works with advertising partners⁵ |
| Bill splitting, shared wallets | Bill splitting: Free 1 group, Pro unlimited; VietQR payment requests (Pro); shared family wallet (Max) | Group bill splitting; several people can log into one account¹; Premium lists unlimited shared accounts⁴ |
| Assets: savings, gold, currencies | Free: 2 savings deposits, 1 gold/silver type, 1 foreign currency, 1 goal; Pro/Max: unlimited, with gain/loss, maturity reminders and price alerts | Brings together cash, bank accounts, e-wallets, gold, foreign currency, savings books and investments; gold and exchange-rate lookup¹. How gold gain/loss is calculated: not verified |
| Debts, bill reminders, currencies | Basic debts on Free; instalment schedules (with interest), subscriptions and recurring bills on Pro; VND and USD wallets; cash foreign currency tracking | Reminders for debts, loans and credit-card due dates¹; multi-currency accounts³ |
| Reports and export | Daily, weekly and monthly summaries with charts; 3-month trend (Free), 12-month (Pro); 30-day cash flow and unusual-spend alerts (Pro); CSV export (Free), PDF/Excel (Pro) | Visual reports; Excel and PDF export; loan-interest and personal income tax calculators; shopping list¹. Which plan each utility belongs to: not verified |
| Ads | The iPhone app currently shows no ads; it does not ask for tracking permission | The free version has ads and Premium removes them⁴⁵; Google Play shows “Contains ads”² |
| Data policy | No bank passwords collected. Receipt photos go to cloud AI only when you use that feature. See Cháy Túi’s privacy policy for details | The terms say data is not disclosed to outside parties except where the law requires⁵. Its App Store privacy labels (self-declared by the developer) include data-used-to-track-you groups¹ |
| Platforms | iOS (available on the App Store for iPhone). Android is in development; no official web app yet | iOS and Android²³; a desktop version is “coming soon”¹ |
| Scale and ratings | No public figures yet (app in testing) | Vietnam App Store: 4.7/5 (about 45,200 ratings)¹; Google Play: 4.6/5 (about 42,000 ratings), 1M+ downloads². The company’s own user counts differ between its pages, so we do not use them |
| Price | Free; Pro 49,000 VND/month or 490,000 VND/year; Max 99,000 VND/month or 990,000 VND/year; no lifetime plan | Free with ads; Premium 49,000 VND/month, 215,000 VND/year or 799,000 VND lifetime¹⁴; “Bank balance change notifications” sold separately at 49,000 VND¹. Prices can change or be discounted |
| Where to buy | In the iOS app only, not sold on the web | In the app via App Store or Google Play; renews automatically unless cancelled, and the terms say no refunds¹⁵ |
We aim to compare fairly using public information. Spotted a mistake? Tell Túi.
Where Sổ Thu Chi MISA is strong
- Many ways to log: voice, chat messages, AI receipt scanning, recurring transactions and entry reminders¹.
- Bank linking: the App Store description says transactions can update automatically after linking¹. Cháy Túi does not have this.
- Broad asset tracking: cash, accounts, e-wallets, gold, foreign currency, savings books and investments, plus gold and exchange-rate lookup¹.
- Family and group use: several people can log into one account, and group expenses can be split¹.
- Financial utilities: Excel and PDF export, loan-interest and personal income tax calculators¹.
- Clear Premium pricing: 49,000 VND/month, 215,000 VND/year or 799,000 VND lifetime¹⁴; a long-running app rated 4.7/5 on the Vietnam App Store¹.
- Available on iOS and Android²³.
Where Cháy Túi is missing or behind
- Cháy Túi is available on the App Store for iPhone; the Android app is in development and there is no official web app yet.
- Cháy Túi does not link to banks or pull transactions automatically; you enter them from receipts, typing or speaking, or statement files.
- Cháy Túi has no lifetime plan, and its yearly price (490,000 VND) is higher than MISA’s yearly Premium (215,000 VND), although each plan covers different features.
- Cháy Túi has no personal income tax calculator or shopping list; instalment schedules with interest and PDF/Excel export are on Pro.
- Cháy Túi is new, so there are no public download counts, ratings or operating history.
- Cháy Túi’s paid plans are bought only in the app through Apple.
Main differences
On feature breadth and popularity, Sổ Thu Chi MISA is ahead. On price, MISA’s yearly (215,000 VND) and lifetime (799,000 VND) Premium cost less than Cháy Túi Pro yearly (490,000 VND); monthly is the same 49,000 VND on both¹⁴. Plans include different features, so compare the scope of each plan as well as the price.
Cháy Túi focuses on three things: unlimited on-device receipt reading even on the free plan, statement import from CSV, Excel or PDF without a bank password, and gold and silver tracking with gain/loss on Pro. It also adds the Túi Lửa mascot, 30-day cash flow, unusual-spend alerts and Wrapped-style summaries for people who want logging to feel less dry.
When to choose Sổ Thu Chi MISA
- You want an officially released app, with Android, and a low yearly or lifetime price.
- You want bank transactions to update automatically and accept the company’s linking conditions.
- You need Excel or PDF export, a loan-interest calculator or personal income tax calculation.
- You want to share an expense book with family.
When Cháy Túi may fit better
- You use an iPhone and want a newer app focused on AI bill reading and on-device data.
- You snap receipts often and want unlimited on-device reading on the free plan.
- You would rather not give your bank password to any service and are fine importing statements yourself.
- You hold gold or silver and want to see gain/loss, or often split bills and send VietQR payment requests (Pro).
- You like seeing a 30-day cash-flow view, unusual-spend alerts and Wrapped-style summaries.
Frequently asked questions
Does Sổ Thu Chi MISA link to banks?
According to the company’s App Store description, yes: users can link a bank so transactions update automatically, and there is a separate in-app purchase called “Bank balance change notifications”. We could not verify the bank list or conditions. Cháy Túi does not link to banks; you import statement files instead.
Sổ Thu Chi MISA has many features. Why use Cháy Túi?
You do not have to. If you need Android, bank linking, a loan-interest calculator or a low Premium price, MISA may fit better. Cháy Túi suits iPhone users who want unlimited on-device receipt reading on the free plan, statement import without a bank password, and gold and silver tracking with gain/loss on Pro.
Does Cháy Túi scan receipts for free?
Yes. On-device OCR and AI reading is unlimited on every plan, and you always confirm the result. Cloud AI has 30 scans a month on Free, 300 a month on Pro and 600 a month on Max (each plan has a fair usage cap).
Sources
- [1] Vietnam App Store: Sổ Thu Chi MISA by MISA JSC (description, in-app purchases, ratings, release notes for 96.3) (official source). https://apps.apple.com/vn/app/spending-tracker-money-manager/id865818973 (accessed 04/10/2026)
- [2] Google Play: Sổ Thu Chi MISA / Money Keeper (downloads, ratings, “Contains ads”) (official source). https://play.google.com/store/apps/details?id=vn.com.misa.sothuchi (accessed 04/10/2026)
- [3] Sổ Thu Chi MISA website (platforms, main features) (official source). https://sothuchi.misa.vn/ (accessed 04/10/2026)
- [4] Sổ Thu Chi MISA Premium upgrade guide (company page, posted 28 Feb 2024: Premium prices and benefits) (official source). https://sothuchi.misa.vn/huong-dan-nang-cap-len-phien-ban-so-thu-chi-misa-premium/ (accessed 04/10/2026)
- [5] Sổ Thu Chi MISA terms of use (ads on the free version, subscription fees, data) (official source). https://sothuchi.misa.vn/thoa-thuan-su-dung/ (accessed 04/10/2026)