Comparison

9歲記帳 vs Money Talks

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

9歲記帳

A simple bookkeeping app for children with an Apple Watch. It allows users to track, categorize, and manage expenses directly from their wrist. Designed to teach financial literacy from a young age.

Highlights
  • Expense tracking
  • Expense record display
  • Edit and delete entries
  • Add notes to expenses
  • Categorize expenses
Read full description

This app is designed for children who don't have a phone (like me) but have an Apple Watch. Sometimes, I forget to bring my account book, and when I want to use the Apple Watch to keep track of expenses, there isn't a good bookkeeping app. Many apps require a phone to use, and some lack editing and deleting features, so I decided to develop this app. The name "9歲記帳" is because it's meant to teach bookkeeping from the age of nine, and also because this app is created by me, a nine-year-old. The app features expense tracking, displaying expense records, editing and deleting entries, adding notes, and categorizing expenses.

About

Money Talks

Effortlessly log expenses using voice commands or by scanning receipts with AI. Get insights into your spending habits with a conversational financial assistant. Manage your cash flow and understand where your money goes.

Highlights
  • Voice expense logging
  • AI receipt scanning
  • Conversational financial assistant
  • Spending habit analysis
  • Cash flow tracking
Features
Read full description

Voice Expense Tracking — Simply speak your spending, and it will be automatically categorized and recorded. Receipt Scanning — Take a photo of invoices or receipts, and AI will automatically recognize the amount and purchased items. AI Financial Assistant — A conversational AI that helps you understand your spending habits. Free vs. Pro Version This app offers both a Free version and a subscription-based Pro version: The Free version includes basic expense tracking features, along with a limited number of daily uses for voice input, receipt scanning, and AI analysis. The Pro version unlocks full features, including unlimited voice expense tracking, receipt scanning, and AI-powered analysis. Users can clearly view subscription pricing, duration, and related details within the app. Whether for daily expenses or personal financial management, this app helps you easily track your cash flow and understand exactly where your money is going. Download now and start managing your finances with voice and AI! Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula Privacy Policy: https://www.notion.so/2904d92eda8680b58fa0f58ddc39824d?source=copy_link Customer Support: https://www.notion.so/Support-URL-2904d92eda8680539b22edc91c29cf1f?source=copy_link

Screenshots

Money Talks4 screens

Verdict

The call

The clearest difference is review sentiment: Money Talks at 100% against 9歲記帳's 53%. Money Talks also leads on update cadence (every 4 days vs every 12 months). 9歲記帳's advantage is in-app purchases (none vs 3) and device support (3 vs 1). On price and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Money Talks sells 3 in-app purchases, starting at $1.99 per month. 9歲記帳 asks for nothing beyond the download.

UpkeepUpdate frequency

9歲記帳 ships an update every 12 months, Money Talks every 4 days. The most recent releases landed on June 11, 2026 and September 18, 2026 respectively.

Scorecard6 real differences · 4 level
9歲記帳 versus Money Talks: the parameters behind the verdict, then further details
Parameter9歲記帳Money Talks
PriceFreeFree
Rating—4.7 (7 ratings) — better
Positive reviews53.3% of reviews100.0% of reviews — better
Number of ratings—7 — better
Update frequencyEvery 12 monthsEvery 4 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
DevicesiPhone, iPod, Apple Watch — betteriPhone
Requires iOS13.0 — better18.0
Further details — not scored
Size3 MB49 MB
Age rating4+4+
DeveloperYuChia LiuKai Teng Hou

Customer experience

9歲記帳

Written reviews15 reviews
Positive53.3%
Neutral20.0%
Negative26.7%

Money Talks

All ratings7 ratings
Positive85.7%
Neutral14.3%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

9歲記帳

No in-app purchases

3 purchases

Money Talks

Subscriptions2
  • 月費$1.991 Month
  • 年費$14.991 Year
One-time1
  • 終生$49.99

Questions

Is 9歲記帳 free?
9歲記帳 is free to download, with no in-app purchases.
Is Money Talks free?
Money Talks is free to download, with in-app purchases available.
Do 9歲記帳 or Money Talks have ads?
Neither 9歲記帳 nor Money Talks shows ads.
Which is updated more often, 9歲記帳 or Money Talks?
9歲記帳 ships an update every 12 months, and Money Talks every 4 days. Most recently, 9歲記帳 was updated on June 11, 2026 and Money Talks on September 18, 2026.

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