口袋记账 vs Mumo
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
口袋记账
This app helps you track your expenses, manage savings, and organize financial records like reimbursements and gifts. It offers detailed reports, multi-account management, and loan tracking. Get personalized financial advice from experts to improve your money management skills.
- Quick expense logging
- Import credit card and Alipay bills
- Generate income/expense reports
- Multi-account management
- Loan and IOU tracking
- Asset balance overview
- Financial expert advice
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应用简介: • 苹果商店热门免费财务记账APP • 新浪、搜狐、36氪、今日头条等知名媒体报道 • 知乎、豆瓣、简书、最美应用用户多次推荐 1)想知道钱花哪儿了? 2)想存钱却总也存不下钱? 3)每次记报销、记人情红包和友情周转最后总是一团糟? 4)想学理财却无从下手? 口袋记账专为解决以上难题诞生,超千万用户都在使用这款超棒的软件! 1、2秒随手记账,支持信用卡账单、支付宝账单导入; 2、自动生成收支统计图、年收支曲线图等报表,可导出excel; 3、支持多账本:分账本记录公司账、装修、旅游、报销、结婚等; 4、支持借条欠条管理,详细记录接入借出记录,人情往来不马虎; 5、提供资产管理,随时展示信用卡、支付宝等账户余额情况; 6、力哥、简七、越女等理财大V每日分享精彩观点,帮你从理财小白变资深达人。 如果关于产品你有任何疑问或者建议,都可以直接通过下列方式联系我们,和我们一起优化产品! 联系我们: 反馈邮箱:kdjz@qeeniao.com 会员订阅服务和连续包月说明: -连续包月会员:16元/月(首月9元特惠) -连续包年会员:88元/年 其他说明:-付款:将在确认购买时从itunes账户中扣除 -取消付款:如需取消订阅,请在当前订阅周期到期前24小时以前,您可以在苹果手机“设置”-“itunes store与App Store”-选择“Apple ID”-点击“查看 Apple ID”-在账户设置页面点击“订阅”-管理自动订阅服务,如需取消订阅,到期前24小时前关闭即可,到期前24小时内将不再扣费 -续费:苹果itunes账户会在到期前24小时内扣费,扣费成功后订阅周期顺延一个订阅周期 -隐私权政策:https://m.ikoudai.cc/h5/article/webshow/28 -会员服务协议:https://m.ikoudai.cc/h5/article/webshow/27 -自动订阅服务协议:https://m.ikoudai.cc/h5/article/webshow/38
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.
Screenshots
Verdict
The clearest difference is ads: Mumo at none against 口袋记账's shown. Mumo also leads on update cadence (every 10 days vs every 2 months) and review sentiment (95% vs 77%). 口袋记账's advantage is iOS requirement (12 vs 15.0). On price, rating, ratings volume and in-app purchases 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. 口袋记账 sells 8 in-app purchases, starting at $1.99 per month and Mumo sells 9 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.
Mumo holds the better App Store score, 4.9 against 4.7. Both are backed by a comparable volume of ratings — 561 and 247 respectively. Written reviews point the same way: 77% of 口袋记账's written reviews are positive against 95% of Mumo's.
口袋记账 ships an update every 2 months, Mumo every 10 days. The most recent releases landed on November 11, 2026 and November 7, 2026 respectively.
| Parameter | 口袋记账 | Mumo |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (561 ratings) | 4.9 (247 ratings) — better |
| Positive reviews | 77.2% of reviews | 95.5% of reviews — better |
| Number of ratings | 561 — better | 247 |
| Update frequency | Every 2 months | Every 10 days — better |
| Ads | Yes | No — better |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod, Mac — better |
| Requires iOS | 12 — better | 15.0 |
| Further details — not scored | ||
| Size | 190 MB | 72 MB |
| Age rating | 4+ | 4+ |
| Developer | Shanghai Peng Data Co., Ltd. | Taizhou Mutong Network Technology Co., Ltd. |
Customer experience
口袋记账
Mumo
Bugs and requests
口袋记账
Reported bugs
4 issues- Frequent app crashes
- Incorrect date/time display
- Syncing issues between devices
- Compatibility problems with newer devices
Requested features
5 requests- Support for multiple currencies
- Ability to schedule recurring transactions
- Option to set future dated transactions
- Improved syncing and backup functionality
- More detailed reporting and analytics
Mumo
Not enough reviews yet to summarise bugs or requests.
In-app purchases
口袋记账
- 连续包月1 Month trial$1.991 Month
- 连续包月2 variants$1.991 Month
- 连续包年2 variants$12.991 Year
- 口袋VIP一个月$2.99
- 口袋VIP6个月$7.99
- 口袋VIP六个月$9.99
Show 2 moreShow fewer
- 口袋VIP12个月$11.99
- 口袋VIP12个月$14.99
Mumo
- 月度会员$0.99
- 体验会员$0.99
- 月会员$1.99
Show 6 moreShow fewer
- 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








