# Mumo - Expense Tracker — Money & Asset Management

> Build-your-own personal finance and inventory management system. (iPhone/iPad app by Taizhou Mutong Network Technology Co., Ltd..)

- Source: https://appshunter.io/ios/app/mumo-expense-tracker/id1575499823 (this page in markdown: same URL + `.md`)
- Developer: [Taizhou Mutong Network Technology Co., Ltd.](https://appshunter.io/developer/1556965366)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.90/5 from 247 App Store ratings · 110 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 72 MB
- Languages: Chinese (Simplified, China), Chinese (Traditional, Taiwan), American English, Korean
- Released: 2021-07-12
- Data updated: 2026-11-03
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/mumo-expense-tracker/id1575499823/reviews.md

## What is Mumo?

[Product Overview]
Mumu Accounting is not just an app that tracks “how much you spent.” It’s more like a personal inventory and finance management system you can build yourself. You can use it solely for bookkeeping, or connect money, items, assets, subscriptions, and relationships—piece by piece.
Mumu doesn’t aim to have “more features is better.” Instead, it lets you keep only what you truly need.

[Core Philosophy | Build-Your-Own Personal Management]
Don’t want subscriptions? Turn it off.
Not tracking items? Hide it.
Just want a simple cash flow record? No problem—extra features disappear.

Modules can be turned on or off, hidden, or reordered. Processes can be simplified or expanded. The app adapts to you, not the other way around.

[Core Modules]
AI Bookkeeping: Supports text, voice, and screenshot parsing for fast, multi-scenario recording.
Automatic Bookkeeping: Combines system capabilities with AI parsing to reduce manual input.
Bill System: Fast recording, templates, installments, refunds, reimbursements, members, tags, combined payments—everything you need.
Personalization: Offers category and theme markets. Modules can be freely enabled or hidden like building blocks, letting you craft a bookkeeping method that fits your habits.
Asset Management: Multi-account management, balance reconciliation, hiding/archiving.
Item Management: Track purchases, usage cycles, and actual costs.
Gold Management: Weight, average price, and profit/loss clearly visible.
Subscription Management: Auto-renewal reminders for long-term expenses.
Fixed Deposits: Record all types of fixed-term funds with clear maturity dates.
Shopping List: Plan purchases to reduce impulsive spending.
Contacts: Keep track of interactions so personal relationships stay clear.
Recurring Bookkeeping: Auto-record loans, subscriptions, and fixed expenses to prevent omissions.
Batch Operations: Supports batch editing, moving, deleting, and property adjustment of bills.
Advanced Search: Filter by date, amount, category, account, contacts, and more.
Anniversary Tracking: Centralized management of important dates to avoid forgetting.
Data Backup: Supports local and multiple backup methods for easy migration and restoration.
Privacy Protection: Password and biometric unlocking, data fully under your control.

[What Mumu Stands For]
Mumu isn’t a product designed once and done. It’s a system built and refined continuously. Useful features stay; unsuitable ones are redesigned. You can gradually build it into the most convenient version for yourself.

## Key features

- AI-powered bookkeeping
- Customizable modules
- Bill and subscription management
- Asset and item tracking
- Personalized categories and themes
- Advanced search and filtering
- Data backup and privacy protection

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| 永久会员 | $9.99 | one-time |
| 月度会员 | $0.99 | one-time |
| 年度会员 | $6.99 | one-time |
| 永久会员 | $19.99 | one-time |
| 永久会员-限时特惠 | $12.99 | one-time |
| 永久会员-限时返场 | $9.99 | one-time |
| 永久会员-限时折扣 | $9.99 | one-time |
| 月会员 | $1.99 | one-time |
| 永久会员 | $14.99 | one-time |
| 永久会员 | $14.99 | one-time |
| 体验会员 | $0.99 | one-time |


## Is Mumo safe?

Mumo - Expense Tracker appears safe based on user ratings. The AppsHunter Safety Score for Mumo is 96 out of 100. This assessment is based on 247 user ratings, with an App Store average of 4.9 out of 5. Of 247 App Store ratings, 96.0% point to a safe experience, 2.4% suggest some concerns, and 1.6% point to a risky experience.

## Is Mumo legit?

Mumo - Expense Tracker appears to be a legitimate app. The AppsHunter Legitimacy Score for Mumo is 95 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (10 of 110)

All indexed reviews: https://appshunter.io/ios/app/mumo-expense-tracker/id1575499823/reviews.md

### 5/5 — 简单干脆实用

*2026-09-10*

不收费里做的最好，能干过部分主流过收费的，等力度大有活动支持

### 5/5 — 感谢这个软件

*2026-09-04*

首先感谢这个软件对于我有帮助方便我做账，如果非常好用我就购买会员

### 5/5 — 改进建议，求求了大佬们看看我的意见

*2026-09-02*

整体来说都是非常好用的，但有一点小小的建议不知道能不能实现，举个例子，我每次加油都记账了，但是过了几个月我想单独看看我在哪几个月的哪天加过油，我发现只能每个月去找，能不能出一个这样的功能，我点了加油，就能看到我从记账以来加了几次油，是哪天加的，诸如此类的功能可以开发吗大佬们拜托了🙏

### 5/5 — 非常好

*2026-08-21*

很少评论，这次直接一发入魂，开个永久会员，这个软件相当好，很喜欢，虽然刚用花了两小时摸索了一番，好在都掌握了如果出个教程那就更完美了，给新人用的，不然不太友好。剩下没毛病，会持续用下去。 个人感觉比鲨鱼好用！赞。加油哦木木团队

### 5/5 — 坚持记录

*2026-04-15*

用木木记账已经快两年啦，第一次坚持这么久

### 5/5 — 有多币种选择

*2026-02-15, version 7.7.3*

很好用，非常人性化，现在每天都离不开它了。

### 5/5 — 好用！

*2026-01-28, version 7.6.12*

用了两年了，真的很好用！

### 5/5 — 超级棒的记账软件

*2025-12-13*

期待后期能开发和理财收益率计算相关的功能！如果能包括股票，债券基金，定期存款这些的话简直强无敌

### 5/5 — 終於找到能讓我一直記帳的app

*2025-11-23, version 7.5.6*

希望可以功能越做越齊全

### 5/5 — 好用

*2025-09-10, version 7.4.4*

推荐

## Frequently asked questions about Mumo

### What does MuMu Accounting do?

MuMu Accounting is a personal inventory and finance management system that allows you to track expenses, manage assets, subscriptions, and more. It's designed to be highly customizable, letting you turn modules on or off to fit your specific needs.

### What are the key features of MuMu Accounting?

Key features include AI-powered bookkeeping with text, voice, and screenshot parsing, a flexible bill system, asset and item management, subscription reminders, and personalized category and theme markets. You can also hide or reorder modules to create your ideal setup.

### Is MuMu Accounting free to use?

The app is free to download and use, with in-app purchases available for additional features or customization options. This allows users to tailor the app to their needs without upfront costs.

### What kind of devices is MuMu Accounting compatible with?

While specific compatibility details are not provided in the description, it is a mobile application, suggesting it is designed for smartphones and tablets. Users can typically find compatibility information on the app store listing.

### How can I use MuMu Accounting for personal finance?

You can use it for detailed bookkeeping, tracking all your income and expenses. It also helps manage assets, monitor subscriptions to avoid overspending, and create shopping lists to reduce impulse purchases, providing a comprehensive view of your financial life.

## Version history (last 5 releases)

### 8.3.4 — 2026-11-02

[Fix] Widgets not displaying.
[Fix] Incorrect display of split transactions in the transaction list.
[Imp] Added a toggle to show reconciliation dates in the account list (off by default).
[Imp] Optimized the cold-start splash screen.

### 8.3.3 — 2026-10-31

[New] More home widgets with custom layouts, sizes, backgrounds spanning multiple widgets, and photo slideshows
[New] Combined budgets across categories and options to select which income categories increase budgets
[New] Standalone calculator, Buy Now, Pay Later management, and quick bookkeeping shortcuts
[New] Search for reimbursements, balance reconciliation records, and themes
[New] Support for 360/365-day interest calculations on fixed deposits and grouping loans by contact
[Fix] Photo selection, image cropping, and home screen widget background transparency issues
[Fix] Issues with historical exchange rates, refunds, reimbursements, bill splitting, and mortgage repayments
[Fix] Issues with statistics filters, budget periods, item linking, Moments display, and alphabetical indexing of polyphonic Chinese characters
[Opt] Improved home widget editing, charts, date filters, and theme saving and application
[Opt] Customizable category icons per row and icon sizes
[Opt] Improved layouts for iPhone Duo
[Opt] Improved startup stability

### 8.2.7 — 2026-09-15

[Fix] Fixed UI issues with the gesture password

[Fix] Fixed an issue where the Add Transaction button did not respond under certain conditions

[Opt] Optimized reimbursement project groups

[Opt] Added an option to back up every time WebDAV is opened

[Opt] Optimized principal and interest renewal for fixed-term deposits

[Opt] Gold and Savings Plans now support multiple currencies

Other minor improvements and bug fixes…

### 8.2.4 — 2026-09-04

[New] Refreshed UI with the new “Flowing Light” style. You can also switch back to the Classic style in Personalization > Appearance.

[New] Renamed the “Anniversary” module to “Moments” and added support for recording stories and journal entries for each moment.

[New] Added a dropdown account search in Asset Management.

[New] Shared ledgers now support “use first, pay later”.

[Fix] Fixed an issue where the Auto-Bookkeeping Shortcut did not work on iOS 27.

[Fix] Fixed a crash caused by uploading extra-long images.

[Fix] Fixed calculation issues when splitting bills that include discounts.

[Fix] Fixed an issue where split bills with discounts could not be saved after editing.

[Fix] Fixed incorrect unreimbursed amount statistics after archiving an account.

[Fix] Fixed budget data issues when using the app across different time zones.

[Opt] Improved Loan Management with bad debt handling, module refinements, sorting, and related bug fixes.

[Opt] Improved the Recurring Deposit and Contacts modules.

[Opt] Added service fee support for Templates and Recurring Transactions.

[Opt] Added bill search to Contact and Merchant detail pages.

[Opt] Split bills can now be linked to items.

[Opt] Refined tag display styles in the bill list during backup.

[Opt] General Ledger settings can now exclude selected ledgers from statistics.

[Opt] Various other detail improvements and bug fixes.

### 8.2.3 — 2026-09-03

[New] Refreshed UI with the new “Flowing Light” style. You can also switch back to the Classic style in Personalization > Appearance.

[New] Renamed the “Anniversary” module to “Moments” and added support for recording stories and journal entries for each moment.

[New] Added a dropdown account search in Asset Management.

[New] Shared ledgers now support “use first, pay later”.

[Fix] Fixed an issue where the Auto-Bookkeeping Shortcut did not work on iOS 27.

[Fix] Fixed a crash caused by uploading extra-long images.

[Fix] Fixed calculation issues when splitting bills that include discounts.

[Fix] Fixed an issue where split bills with discounts could not be saved after editing.

[Fix] Fixed incorrect unreimbursed amount statistics after archiving an account.

[Fix] Fixed budget data issues when using the app across different time zones.

[Opt] Improved Loan Management with bad debt handling, module refinements, sorting, and related bug fixes.

[Opt] Improved the Recurring Deposit and Contacts modules.

[Opt] Added service fee support for Templates and Recurring Transactions.

[Opt] Added bill search to Contact and Merchant detail pages.

[Opt] Split bills can now be linked to items.

[Opt] Refined tag display styles in the bill list during backup.

[Opt] General Ledger settings can now exclude selected ledgers from statistics.

[Opt] Various other detail improvements and bug fixes.

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All apps by Taizhou Mutong Network Technology Co., Ltd.: https://appshunter.io/developer/1556965366

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-03.*