Abstract: This article integrates and expands the theories of technology acceptance and planned behavior, exploring the user acceptance issues of gamified personal carbon accounts from the perspective of individual users. This study focuses on three core variables involving individual attitudes towards use, intention to use, and actual usage behavior, and examines various pre factors that may affect user acceptance and their roles in user behavior decision-making. This study tested the constructed structural equation model by survey data collected from individual carbon account users of Ant Forest. This research found that perceived altruistic usefulness, perceived egoistic usefulness, and perceived ease of use all have a positive relationship with users’ attitudes towards use; perceived behavioral control has a positive relationship with users’ willingness to use and actual usage; the willingness to use plays a mediating role in the positive relationship between usage attitude and actual usage. In addition, there is no statistically significant positive relationship between perceived pleasure and attitude, as well as between subjective norms and willingness to use. This study proposes corresponding suggestions for the design, development, operation, promotion, and academic research of personal carbon accounts and carbon trading platforms under the background of Carbon Inclusiveness from the empirical research results.