一木记账 vs Mumo

一木记账——专注效率的智能记账软件。 不插广告，不推理财产品，只做记账这一件事。 【记一笔，最快只要一句话】 · 语音记账：说「午饭 32」，金额、分类、账户、时间自动填好，确认即入账 · 一句话文字记账：不方便说话就打一行字，同样能识别 · 语音快捷指令：通过快捷指令说一句话记账，全程不用打开 App · 自动记账：把账单截图交给快捷指令，自动识别并填好这笔账 · 导入 AI 识别账单：让你常用的 AI 助手读图，识别结果一键导入，单笔与批量都支持 · 手动记账：自定义键盘，常用分类与账户一屏可达 【小组件，不打开 App 也能记和看】 · 锁屏组件：圆形、矩形、行内三种样式，抬手即见预算与余额 · 桌面组件：预算、周趋势、日历热力图、金价等 20 余款 · 自定义组件：自己挑数据和样式，搭一个只属于你的组件 【强大的资产管理】 · 信贷账户与消费分期：出账、还款一笔不漏 · 还款提醒：信用卡、房贷、到期本地通知，提醒时间可自定义 · 多类资产统一管理：借贷、定期、股票、贵金属、多币种 · 报销与退款：标记待报销，支持多次退款关联 · 资产走势与分布桑基图，钱的流向一眼看清 【全面的账单统计】 · 月、年、自定义周期的收支统计 · 分类统计、标签统计、预算统计 · 年度热力图：一年的记账习惯一屏看完 【高效的日历查阅】 每日收支与还款提醒，尽在日历视图一目了然。 【独有的导入导出】 · 第三方平台账单截图一键导入，自动识别 · 支持多个第三方平台的 Excel 账单导入 · 高度自由的账单导出，可导 Excel 【多人账本】 扫码加入同一个账本，家庭、情侣、室友共同记账。 【举重若轻的功能】 标签、周期记账、愿望清单、账单拆分、批量编辑、WebDAV 备份、iCloud 与云端备份、多主题、自定义 App 图标、自由的个性化设置。 【干净纯粹】 不带任何广告，不带任何理财信息，只为记账而生。

[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.