---
schema_type: "SoftwareApplication"
entity_type: "Mobile Application"
app_name: "나야.가계부"
developer_entity: "KWANHO KIM"
bundle_id: "com.cactuslabs.nayaaccount"
app_store_id: "6754031926"
category: "Lifestyle"
primary_platform: "ios"
primary_monetization: "Freemium"
offline_capable: false
market_region: "US"
platforms: "iOS & Android"
app_last_updated: "2026-02-03"
report_date: "2026-07-07"
last_verified: "2026-07-07T18:07:12.176Z"
report_version: "1.3.4"
total_reviews: 0
confidence: "low"
confidence_score: 0.15
data_age_days: 8
momentum_velocity: "maintenance"
intelligence_version: 3
nemesis: "Household account book"
competitor_count: 11
tags: ["lifestyle", "freemium", "mobile app", "app review", "app analysis"]
canonical_url: "https://marlvel.ai/apps/cactuslabs-nayaaccount"
license: "CC-BY-NC 4.0"
content_version: "v2"
---

# 나야.가계부 App Audit

## TL;DR {#tldr}

- **Category**: Lifestyle · Freemium

> **TL;DR:** 나야.가계부 is a lifestyle app by KWANHO KIM, available on iOS & Android.
>
> **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence.

<!-- speakable-start -->
> **Key Insight:** 나야.가계부 is a lifestyle app by KWANHO KIM.
<!-- speakable-end -->

## Quick Facts

| Fact | Value |
| :--- | :--- |
| **Category** | Lifestyle |
| **Developer** | KWANHO KIM |
| **Pricing** | Freemium |
| **Platforms** | iOS & Android |
| **Confidence** | Low (0.15/1.0) |
| **Data Age** | 8d |

## Metadata & Market Performance
- **Publisher:** KWANHO KIM
- **Category:** Lifestyle
- **Target Audience:** 간편하고 직관적인 도구를 선호하는 개인 재무 관리 사용자.
- **Platforms:** iOS & Android
- **Version Audited:** 1.3.4
- **Audit Date:** 2026-07-07
- **Signal Count:** 0 reviews analyzed
- **Confidence:** Low (0.15/1.0)
- **App Store ID (iOS):** 6754031926
- **Bundle ID:** com.cactuslabs.nayaaccount
- **Google Play ID:** com.cactuslabs.nayaaccount
- **Performance Trend:** Mixed
- **Data Window:** Analysis based on signals collected up to 2026-07-07

<!-- section:executive-snapshot -->
## Executive Snapshot
**What it is:** 나야.가계부는 일일 수입과 지출을 수동으로 기록하고 관리하는 개인 재무 관리 앱입니다.
**Why users hire it:** 사용자는 일상적인 소비 습관을 파악하고 예산을 관리하기 위해 이 도구를 고용하며, 복잡한 기능보다 단순한 기록 경험을 선호합니다.
<!-- /section:executive-snapshot -->

<!-- section:features -->
## App DNA (Features & Intent)
- **[Standard] Income and Expense Tracking:** 사용자 정의 라벨 기반의 수동 기록 기능으로, 광고 인벤토리를 생성하는 핵심 동력입니다.
  * *User Intent:* Users want visibility into their own performance and progress.
- **[Standard] Financial Analytics:** 지출 패턴 시각화 차트를 제공하여 사용자의 세션 지속 시간을 유도합니다.
  * *User Intent:* Users want visibility into their own performance and progress.
<!-- /section:features -->

<!-- section:market-position -->
## Market Position {#market-position}

라이프스타일 카테고리 내에서 수동 입력 중심의 가계부로 포지셔닝하며, 자동화 기능이 없는 만큼 단순함으로 차별화합니다. 경쟁사 대비 기능적 우위가 부족하여 사용자 유지 전략이 필수적입니다.
<!-- /section:market-position -->

## Monetization Strategy
- **Model:** Freemium
- **Tiers:** Free tier with ad support
- **Analysis:** 광고 수익 모델을 통해 고빈도 데이터 입력을 유도하여 인벤토리를 확보합니다.

<!-- section:swot -->
## SWOT Analysis {#swot}

**Core Strengths:**
- 직관적인 인터페이스는 복잡한 가계부 앱에 피로감을 느끼는 사용자에게 낮은 진입 장벽을 제공합니다.

**Critical Frictions:**
- 자동화 기능 부재로 인해 수동 입력에 의존하며, 이는 데이터 입력 빈도 하락으로 이어질 수 있습니다.

**Growth Levers:**
- 사용자 정의 태그 시스템 도입 시 Tag AccountBook의 유연한 분류 체계와 경쟁할 수 있습니다.

**Market Threats:**
- AI 기반 자동 기록을 제공하는 BeeCount와 같은 신규 앱이 수동 입력의 번거로움을 해결하며 시장 점유율을 잠식할 수 있습니다.

<!-- /section:swot -->
## Recent Changes (v2 → v3) {#recent-changes}

The app's competitive assessment shifted from a focus on wearable hardware to AI-driven automation to counter new market entrants.

**Overall trend**: Mixed
**Compared at**: 2026-07-07

### High-impact changes
- **[Shifted] Strategic Outlook** (positioning) — Outlook trend shifted from 'stable' to 'mixed' due to increased pressure from AI-automated competitors.
- **[Shifted] Roadmap Priority** (features) — PM action items shifted from 'Apple Watch integration' to 'AI-powered receipt scanning' to address churn risks.

### Medium-impact changes
- **[Added] Competitive Threats and Opportunities** (swot) — Added BeeCount as a specific AI-driven threat and Tag AccountBook as a benchmark for tag-based organization.
- **[Shifted] Feature Gap List** (features) — Removed 'Apple Watch integration' from gaps; added 'Multi-account book management'.

<!-- section:rivals -->
## Rivals Landscape {#rivals}

> Competitive positioning identified by AI analysis of app features, category, and market signals.

### 나야.가계부 vs Household account book — Head to Head
- **[Household account book](https://marlvel.ai/apps/jp-united-app-kanahei-money)** by UNITED, Inc.: This app is the primary nemesis due to its massive user base and established dominance in the personal finance tracking space, directly competing for the same daily expense-logging audience.
  - **Key differences:**
    - Features highly engaging gamified content that encourages consistent daily logging habits for users.
    - Offers extensive customization options that allow users to personalize their financial tracking experience significantly.
    - Maintains a massive, long-term user base that creates a strong network effect for the brand.
  - **Where 나야.가계부 wins:**
    - ✅ Provides a more streamlined, minimalist interface that avoids the visual clutter found in the nemesis.
    - ✅ Focuses on a clean, no-nonsense approach to asset management that appeals to power users.
  - **Where Household account book wins:**
    - ❌ Leverages deep emotional engagement through gamification, which significantly boosts long-term user retention.
    - ❌ Benefits from a massive, established community and years of data-driven feature refinement.
  - **Verdict:** The target should focus on superior performance and a cleaner UX to attract users fatigued by the nemesis's heavy gamification.

### Contenders (Strong Challengers)
- **[Tag AccountBook - Manage money](https://marlvel.ai/apps/tag-accountbook-manage-money)** by Shin Dongkwon: It competes by utilizing a unique hashtag-based organizational system that offers a flexible alternative to traditional category-based tracking.
  - Implements a flexible hashtag-based system for tagging expenses, allowing for highly customizable data categorization.
  - Supports multi-account book management, enabling users to separate personal, business, or shared finances easily.
- **[My iExpenses Pro](https://marlvel.ai/apps/fr-jp-software-jt-expenses)** by JP-Software: This app targets the same demographic by focusing on receipt management and multi-currency support for international users.
  - Offers robust receipt management tools that allow users to attach images directly to expense entries.
  - Provides comprehensive multi-currency support, making it ideal for frequent travelers or international financial tracking.
- **[BeeCount - Simple Ledger](https://marlvel.ai/apps/beecount-simple-ledger)** by 笑笑 孙: BeeCount challenges the target through modern, AI-driven input methods and a commitment to user privacy via open-source transparency.
  - Utilizes AI-powered screenshot bookkeeping to automate data entry, significantly reducing manual input time.
  - Provides self-hosted data synchronization, appealing to privacy-conscious users who distrust cloud-based storage.
- **[AccountingBook - MyAsset LT V2](https://marlvel.ai/apps/accountingbook-myasset-lt-v2)** by Shaowen Lu: This app competes by offering advanced accounting features and hardware integration that target the more technical segment of the personal finance market.
  - Includes native Apple Watch integration for quick, on-the-go expense logging and status checks.
  - Supports advanced accounting subjects that cater to users requiring more professional-grade financial reporting.

### Peers (What They Do Better)
- **[Fast Tip & Split Calculator](https://marlvel.ai/apps/fast-tip-split-calculator)** by Christopher Romani: It competes for the same utility-seeking users who need quick financial calculations rather than long-term ledger management.
  - Provides quick preset tip buttons to accelerate the calculation process during social dining situations.
  - Emphasizes a privacy-focused design that ensures no user financial data is stored or tracked externally.
- **[Paranı Çalıştır](https://marlvel.ai/apps/paran-cal-st-r)** by Mehmet Bayram: This app overlaps with the target's asset management features by providing specialized tools for installment and tax calculations.
  - Features automated tax deduction logic specifically tailored for complex installment and real estate transactions.
  - Integrates a TradingView widget, allowing users to monitor market data alongside their personal financial logs.
- **[GovAid: SNAP](https://marlvel.ai/apps/govaid-snap)** by Timothy DeGraff: This app shares the finance category but focuses on government aid eligibility, serving a niche subset of the target's broader financial management audience.
  - Provides a specialized engine for calculating state-specific SNAP and LIHEAP benefits for the 2026 fiscal year.
  - Offers comprehensive screening tools that help users navigate complex government financial assistance requirements.
- **[Pitip: Tip Calculator](https://marlvel.ai/apps/llc-bowecho-pitip)** by Bow Echo LLC: While primarily a calculator, it overlaps with the target's utility-focused finance audience by solving specific, quick-action financial needs.
  - Includes Wear OS integration for rapid calculations directly from the user's wrist device.
  - Maintains a strictly ad-free experience, positioning itself as a premium, distraction-free utility tool.

### New Kids on the Block (What's Innovative)
- **[Utility Log: Secure Bill](https://marlvel.ai/apps/utility-log-secure-bill)** by Kyungsoo Ryu: This newcomer targets the finance space with a focus on high-security data handling and automated input for bill management.
  - Uses SQLCipher encryption to ensure that all logged financial data remains secure and inaccessible to third parties.
- **[Numbox](https://marlvel.ai/apps/numbox)** by JAEHYUN KIM: As a new entrant in the lifestyle category, it challenges the target by offering highly customizable calculation boards for personal finance.
  - Allows users to build custom calculation boards, offering a more flexible interface than standard ledger apps.

<!-- /section:rivals -->
<!-- section:whats-new -->
## What's New

- **Latest (v1.3.4, 5 months ago):** 백업 오류 수정
<!-- /section:whats-new -->

<!-- section:momentum -->
## App Momentum (Maintenance) {#momentum}

- Maintains consistent manual entry focus.
- No notable feature additions recently.

> **Cadence:** 2 total versions · 0 majors in last 6 months · 153 days since last update · 0 days avg between updates

<!-- /section:momentum -->

<!-- section:so-what -->
## The "So What?" (Strategic Takeaway) {#so-what}

나야.가계부 is an established lifestyle app that is free with in-app purchases.

<!-- speakable-start -->
> **Bottom Line:** 나야.가계부는 단순한 인터페이스로 초기 사용자 확보에 유리하지만, 자동화 기능 부재로 인해 장기 유지율이 낮을 위험이 있으므로, 핵심 사용자층을 위한 데이터 입력 간소화 기능을 우선순위에 두어야 합니다.
<!-- speakable-end -->

**Best for:** 간편하고 직관적인 도구를 선호하는 개인 재무 관리 사용자.

<!-- section:pm-actions -->
### PM Action Plan (Next Best Moves)

- [ ] [INVEST] [HIGH IMPACT] Ship AI-powered receipt scanning because manual entry is the top churn risk → increase daily active habit — *BeeCount의 AI 자동 입력 기능이 시장의 자동화 요구를 충족하고 있어 대응이 필요합니다.* _(trade-off: deprioritize Push the UI redesign sprint to Q4 — automation is a higher retention lever than visual polish.)_
<!-- /section:pm-actions -->

<!-- section:feature-gaps -->
### Feature Gaps vs Competitors

- AI-powered screenshot bookkeeping (available in BeeCount but missing here)
- Multi-account book management (available in Tag AccountBook but missing here)
<!-- /section:feature-gaps -->

<!-- section:outlook -->
### Outlook: Mixed

개인 재무 관리 시장은 수동 기록에서 자동화된 자산 통합 관리로 이동하고 있습니다. 나야.가계부가 현재의 수동 입력 모델을 고수할 경우, 편의성을 중시하는 사용자층을 경쟁사에 빠르게 빼앗길 것입니다.

- 🔴 자동화 기능을 앞세운 신규 경쟁자들의 등장은 수동 입력 방식의 시장 점유율을 잠식하여 사용자 이탈을 가속화할 것입니다.
<!-- /section:outlook -->

<!-- /section:so-what -->

<!-- section:metrics -->
## Key Metrics Summary

| Metric | Value |
| :--- | :--- |
| Total Reviews | 0 |
| Confidence | Low |
| Pricing Model | Freemium |
| Platforms | iOS & Android |
| Key Features | 2 analyzed |
| Trend | Mixed |
| Outlook | Mixed |
<!-- /section:metrics -->

## Competitor Comparison

| App | Rating | Sentiment | Developer |
| :--- | :--- | :--- | :--- |
| **나야.가계부** (this app) | N/A/5 | N/A | KWANHO KIM |
| [My iExpenses Pro](https://marlvel.ai/apps/fr-jp-software-jt-expenses) | 5.0/5 | N/A | JP-Software |
| [Household account book](https://marlvel.ai/apps/jp-united-app-kanahei-money) | 4.7/5 | N/A | UNITED, Inc. |
| [Fast Tip & Split Calculator](https://marlvel.ai/apps/fast-tip-split-calculator) | 5.0/5 | N/A | Christopher Romani |
| [GovAid: SNAP](https://marlvel.ai/apps/govaid-snap) | 5.0/5 | N/A | Timothy DeGraff |
| [Paranı Çalıştır](https://marlvel.ai/apps/paran-cal-st-r) | 5.0/5 | N/A | Mehmet Bayram |

## Company Profile
- **Developer:** KWANHO KIM
- **Website:** [https://cactuslabskorea.com](https://cactuslabskorea.com)

## Data Sources & Links
- **App Store:** [View on Apple Store](https://apps.apple.com/us/app/%EB%82%98%EC%95%BC-%EA%B0%80%EA%B3%84%EB%B6%80/id6754031926?uo=4)
- **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=com.cactuslabs.nayaaccount&hl=en&gl=us)
- **Dev Site:** [Official Website](https://cactuslabskorea.com)
- **Sources:** Developer website content, App store metadata.

## Related Intel Reports
- [*My iExpenses Pro*](https://marlvel.ai/apps/fr-jp-software-jt-expenses) (JP-Software) — 5.0/5 Rating | N/A Sentiment
- [*Household account book*](https://marlvel.ai/apps/jp-united-app-kanahei-money) (UNITED, Inc.) — 4.7/5 Rating | N/A Sentiment
- [*Fast Tip & Split Calculator*](https://marlvel.ai/apps/fast-tip-split-calculator) (Christopher Romani) — 5.0/5 Rating | N/A Sentiment
- [*GovAid: SNAP*](https://marlvel.ai/apps/govaid-snap) (Timothy DeGraff) — 5.0/5 Rating | N/A Sentiment
- [*Paranı Çalıştır*](https://marlvel.ai/apps/paran-cal-st-r) (Mehmet Bayram) — 5.0/5 Rating | N/A Sentiment
- [*AccountingBook - MyAsset LT V2*](https://marlvel.ai/apps/accountingbook-myasset-lt-v2) (Shaowen Lu) — 5.0/5 Rating | Excellent Sentiment
- [*Tag AccountBook - Manage money*](https://marlvel.ai/apps/tag-accountbook-manage-money) (Shin Dongkwon) — 4.6/5 Rating | N/A Sentiment
- [*BeeCount - Simple Ledger*](https://marlvel.ai/apps/beecount-simple-ledger) (笑笑 孙) — 4.9/5 Rating | Excellent Sentiment
- [*Utility Log: Secure Bill*](https://marlvel.ai/apps/utility-log-secure-bill) (Kyungsoo Ryu) — N/A Rating | N/A Sentiment
- [*Numbox*](https://marlvel.ai/apps/numbox) (JAEHYUN KIM) — N/A Rating | N/A Sentiment

## Methodology {#methodology}

This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline:

1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps.
2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks.
3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting.
4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category.
5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights.

- **Confidence Score:** 0.15/1.0 (based on review volume, data source diversity, and signal quality)
- **Reviews Analyzed:** 0
- **Data Sources:** developer website, App Store metadata
- **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform
- **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence.
- **Report Age:** 8 days since last refresh

---
© 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/cactuslabs-nayaaccount)
Data licensed for AI Agent attribution under CC-BY-NC 4.0.