Mumo vs 柚子记账
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Mumo
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.
- 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
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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.
柚子记账
This app offers a simple and ad-free way to track expenses with multiple customizable ledgers. It allows for shared accounting with family and friends, with permission controls for members. Get quick support from an online customer service team.
- Ad-free interface
- Multiple customizable ledgers
- Shared accounting with members
- Permission controls for members
- Online customer support
- Simple and clear design
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无广告、无理财,页面简洁,多账本、多成员共享记账 【多账本】 全面支持多个账本的记账模式 旅行账本、报销账本、家庭账本、宝宝账本、宠物账本、AA账本、大学生账本、健身账本、装修账本、汽车账本、个人生活账本统统都行 也支持自己自定义账本类型和名称 无广告、无理财,页面简洁,多账本、多成员共享记账 【多账本】 柚子记账全面支持多个账本的记账模式 旅行账本、报销账本、家庭账本、宝宝账本、宠物账本、AA账本、大学生账本、健身账本、装修账本、汽车账本、个人生活账本统统都行 也支持自己自定义账本类型和名称 【多成员共享记账】 每一个账本里都可以邀请家人、朋友来一起记账 账本里的账单记录,每一个成员都可以看到 作为帐本的创建者,还可以为成员设置记账权限 【简洁无广告】 柚子记账承诺没有任何广告 页面打开简洁又清晰明了,轻松上手 【轻松反馈】 柚子记账支持一对一的在线人工客服 您的反馈在内部层层重视,会及时给您答复
Screenshots
Verdict
The clearest difference is rating: Mumo at 4.9 against 柚子记账's 3.0. Mumo also leads on update cadence (every 10 days vs every 3 months) and ratings volume (247 vs 2). 柚子记账's advantage is in-app purchases (none vs 10) and iOS requirement (13.0 vs 15.0). On price, ads and device support 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. Mumo sells 9 one-off in-app purchases. 柚子记账 asks for nothing beyond the download.
Mumo holds the better App Store score, 4.9 against 3.0. That said, the two scores are not equally well evidenced: Mumo has 247 ratings behind it against 2, so its average is the more settled of the two.
Mumo ships an update every 10 days, 柚子记账 every 3 months. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.
| Parameter | Mumo | 柚子记账 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (247 ratings) — better | 3.0 (2 ratings) |
| Positive reviews | 95.5% of reviews | — |
| Number of ratings | 247 — better | 2 |
| Update frequency | Every 10 days — better | Every 3 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod, Mac — better | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 72 MB | 74 MB |
| Age rating | 4+ | 9+ |
| Developer | Taizhou Mutong Network Technology Co., Ltd. | 杭州火炎焱网络技术有限公司 |
Customer experience
Mumo
柚子记账
In-app purchases
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
柚子记账
No in-app purchases








