记账宝 vs Mumo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
记账宝
This app offers a simple and fast way to track expenses for various life events, from travel to daily budgeting. It provides clear charts to visualize spending and alerts users when they exceed their budget. Manage your finances effortlessly and understand where your money goes.
- 3-second expense logging
- Clear spending charts
- Overspending alerts
- Supports various budgeting needs
- Simple interface
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记账宝-极速手机记账助手 便捷好用的记账软件,账本,账单,生活记账本,适用于旅游记账,旅行记账,生意记账,学生记账,学生账本,亲子账本,装修记账,人情记账,日常记账,家庭账本,随手记账等。再也不担心钱花哪儿了,简洁的记账流程,清晰的图表展示, 让您随时随地掌握资金流向,及时调整支出,一定是您满意的记账app! 【产品简介】 记账宝是一款专业的生活记账软件 极简的操作流程,让你轻松上手 三秒钟即可完成记账,极速体验 【产品功能】 3秒钟记账:极简的操作流程,让你3秒钟即可完成一笔记账操作 消费趋势:一目了然的图表,帮你快速分析消费情况 趋势预警:当超支时,系统将自动进行预警提示 联系邮箱: 799615711@qq.com
Mumo
This app offers a flexible personal finance and inventory management system. Customize modules for bookkeeping, asset tracking, subscriptions, and more. Adapt the interface and features to your specific needs and preferences.
- 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
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[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.
Screenshots
Verdict
The clearest difference is rating: Mumo at 4.9 against 记账宝's 2.3. Mumo also leads on ads (none vs shown) and ratings volume (247 vs 3). 记账宝's advantage is update cadence (every 3 days vs every 10 days) and iOS requirement (9.0 vs 15.0). On price, in-app purchases and monetization model 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. 记账宝 sells 3 one-off in-app purchases and Mumo sells 9 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.
Mumo holds the better App Store score, 4.9 against 2.3. That said, the two scores are not equally well evidenced: Mumo has 247 ratings behind it against 3, so its average is the more settled of the two.
记账宝 ships an update every 3 days, Mumo every 10 days. The most recent releases landed on October 13, 2026 and November 3, 2026 respectively.
| Parameter | 记账宝 | Mumo |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (3 ratings) | 4.9 (247 ratings) — better |
| Positive reviews | — | 95.5% of reviews |
| Number of ratings | 3 | 247 — better |
| Update frequency | Every 3 days — better | Every 10 days |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod, Mac — better |
| Requires iOS | 9.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 74 MB | 72 MB |
| Age rating | 4+ | 4+ |
| Developer | 俊松 何 | Taizhou Mutong Network Technology Co., Ltd. |
Customer experience
记账宝
Mumo
In-app purchases
记账宝
- 1个月VIP$1.99
- 6个月VIP$9.99
- 12个月VIP$15.99
Mumo
- 月度会员$0.99
- 体验会员$0.99
- 月会员$1.99
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- 年度会员$6.99
- 永久会员-限时返场$9.99
- 永久会员-限时折扣$9.99
- 永久会员-限时特惠$12.99
- 永久会员2 variants$14.99
- 永久会员$19.99









