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.
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.
- Expense tracking
- Expense record display
- Edit and delete entries
- Add notes to expenses
- Categorize expenses
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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.
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.
- Voice expense logging
- AI receipt scanning
- Conversational financial assistant
- Spending habit analysis
- Cash flow tracking
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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
Verdict
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
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.
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.
| Parameter | 9歲記帳 | Money Talks |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.7 (7 ratings) — better |
| Positive reviews | 53.3% of reviews | 100.0% of reviews — better |
| Number of ratings | — | 7 — better |
| Update frequency | Every 12 months | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Freemium |
| Devices | iPhone, iPod, Apple Watch — better | iPhone |
| Requires iOS | 13.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 3 MB | 49 MB |
| Age rating | 4+ | 4+ |
| Developer | YuChia Liu | Kai Teng Hou |
Customer experience
9歲記帳
Money Talks
In-app purchases
9歲記帳
No in-app purchases
Money Talks
- 月費$1.991 Month
- 年費$14.991 Year
- 終生$49.99









