Mumo vs 喵钱记账
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.
喵钱记账
This finance app offers a simple and visually appealing way to track your expenses and income. It features automatic transaction import from popular payment platforms, customizable reports, and multi-account management for a comprehensive overview of your finances.
- Automatic transaction import
- Customizable financial reports
- Multi-account management
- Scheduled transaction entries
- Visually appealing interface
- Bill poster generation
- Home screen widgets
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核心功能 - 操作简单,零基础,随手记,免费记账。 应用界面 - 专业原画师绘制的精美界面,给你带来超高的用户体验。 自动记账 - 微信、支付宝等软件收付款后自动弹出,实现一键快速记账。 定时记账 - 可设置房租、工资等收支定时录入。 多账本 - 日常、生意、学生、娱乐、装修,恋爱记账等,满足您的多场景记账需求。 资产账户 - 账单可关联微信钱包、支付宝等资产账户,总览资产状况。 统计报表 - 多图表多曲线,帮你快速分析消费情况。 账单海报 - 一键生成精美的账单海报。 小组件 - 多款实用的小组件,在手机桌面即可查看收支记录。
Screenshots
Verdict
The clearest difference is review sentiment: Mumo at 95% against 喵钱记账's 52%. 喵钱记账's advantage is update cadence (every 4 days vs every 10 days). On price, ads, 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. Mumo sells 9 one-off in-app purchases and 喵钱记账 sells 4 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.
Mumo ships an update every 10 days, 喵钱记账 every 4 days. The most recent releases landed on November 11, 2026 and November 4, 2026 respectively.
| Parameter | Mumo | 喵钱记账 |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (248 ratings) — better | — |
| Positive reviews | 95.5% of reviews — better | 52.0% of reviews |
| Number of ratings | 248 — better | — |
| Update frequency | Every 10 days | Every 4 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPad, iPod, Mac — better | iPhone, iPad, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 72 MB | 98 MB |
| Age rating | 4+ | 4+ |
| Developer | Taizhou Mutong Network Technology Co., Ltd. | Guangzhou Juying Information Technology Co., Ltd. |
Customer experience
Mumo
喵钱记账
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
喵钱记账
- 一个月有效$2.99
- 季度有效$4.99
- 永久会员$9.99
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- 一年有效$14.99








