# 挖财记账 vs Mumo

The clearest difference is review sentiment: Mumo at 95% against 挖财记账's 58%. Mumo also leads on ads (none vs shown) and rating (4.9 vs 4.6). On price, ratings volume, update cadence and in-app purchases there is nothing between them.

Both are free to download. 挖财记账 sells 10 in-app purchases, starting at $0.99 per month 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 4.6. Both are backed by a comparable volume of ratings — 256 and 247 respectively. Written reviews point the same way: 58% of 挖财记账's written reviews are positive against 95% of Mumo's.

挖财记账 ships an update fortnightly, Mumo every 10 days. Both last shipped on November 3, 2026.

## The numbers

| Metric | 挖财记账 | Mumo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (256 ratings)](https://appshunter.io/ios/app/ai/id1544045905/reviews) | **[4.9 (247 ratings)](https://appshunter.io/ios/app/mumo-expense-tracker/id1575499823/reviews)** |
| Number of ratings | **256** | 247 |
| Positive reviews | 58.1% of reviews | **95.5% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | Fortnightly | **Every 10 days** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 159 MB | 72 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod, Mac** |
| Age rating | 9+ | 4+ |
| Developer | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) | [Taizhou Mutong Network Technology Co., Ltd.](https://appshunter.io/developer/1556965366) |

## What reviewers say

### 挖财记账

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

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.

**Highlights:** 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

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

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 标准会员连续包月 | $0.99 | 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 |
| 基础永久会员 | $9.99 | one-time |
| 超级两年会员 | $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


### Mumo

[App page](https://appshunter.io/ios/app/mumo-expense-tracker/id1575499823)

This app offers a highly customizable personal finance management system. You can tailor its features to track expenses, assets, subscriptions, and more, adapting the interface to your specific needs and habits.

**Highlights:** AI-powered bookkeeping with text, voice, and screenshot parsing, Customizable modules for expenses, assets, subscriptions, and more, Bill management with templates, installments, and refunds, Asset and gold management with balance reconciliation, Subscription and fixed deposit tracking, Shopping list and anniversary tracking, Advanced search and batch operations

**Features:** Vision Pro support

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 月度会员 | $0.99 | one-time |
| 体验会员 | $0.99 | one-time |
| 月会员 | $1.99 | one-time |
| 年度会员 | $6.99 | 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 |
| 永久会员-限时特惠 | $12.99 | one-time |
| 永久会员 | $14.99 | one-time |
| 永久会员 | $19.99 | one-time |


## Frequently asked questions

### Is 挖财记账 free?

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

### Is Mumo free?

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

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

Mumo is rated higher. 挖财记账 averages 4.6 out of 5 from 256 ratings, while Mumo averages 4.9 from 247 ratings.

### Do 挖财记账 or Mumo have ads?

挖财记账 shows ads; Mumo does not.

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

挖财记账 ships an update fortnightly, and Mumo every 10 days. Most recently, 挖财记账 was updated on November 3, 2026 and Mumo on November 3, 2026.

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