# 必灵-AI财务助手

> AI financial assistant for smart budgeting, expense tracking, and savings goals. (iPhone/iPad app by Hangzhou Yuancai Technology Co.,Ltd..)

- Source: https://appshunter.io/ios/app/ai/id6760445481 (this page in markdown: same URL + `.md`)
- Developer: [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102)
- Category: Utilities, Finance
- Price: Free
- Age rating: 9+
- Requires: iOS 13.0 · 54 MB
- Languages: American English
- Released: 2026-04-30
- Data updated: 2026-09-08
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/ai/id6760445481/reviews.md

## What is 必灵?

你的AI搞钱搭子

智能记账｜语音速记｜情绪账单
消费分析｜智能洞察｜预算规划
存钱目标｜省钱挑战｜资产管理

从记账到全新AI进化
让每一个搞钱梦，都必灵

## Key features

- Intelligent expense tracking
- Voice note expense recording
- Spending analysis and insights
- Budget planning
- Savings goal setting
- Asset management

## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/ai/id6760445481/reviews.md

### 1/5 — 绑定不了手机号啊！

*2026-07-02*

周围人也不行！🙅‍♀️🙅‍♀️验证码发不过来！！！

### 5/5 — 总算有个好玩的存钱应用了

*2026-06-11*

太适合我这种懒人了，每天听到钱叮当掉入玻璃罐时，一天都充满动力，圈粉圈粉，搞钱搞钱！！

## Frequently asked questions about 必灵

### What is 必灵-AI财务助手?

必灵-AI财务助手 is an AI-powered financial assistant designed to help users manage their money. It offers features like intelligent expense tracking, voice note recording for expenses, spending analysis, and budget planning.

### Is 必灵-AI财务助手 free to use?

Yes, 必灵-AI财务助手 is available for free. There are no in-app purchases or subscription fees required to use its core functionalities.

### What devices does 必灵-AI财务助手 support?

必灵-AI财务助手 is currently supported on iPhone and iPod devices. It is designed to run on iOS.

### How often is 必灵-AI财务助手 updated?

The app was last updated on August 25, 2026, with version 1.0.16. This indicates a relatively recent update, suggesting ongoing development and maintenance.

### What is the age rating for 必灵-AI财务助手?

必灵-AI财务助手 has an age rating of 9+. This means it is considered suitable for users aged 9 and above.

### Does 必灵-AI财务助手 have ads?

No, 必灵-AI财务助手 does not contain advertisements. Users can manage their finances without interruptions from ads.

### Can 必灵-AI财务助手 help me save money?

Yes, 必灵-AI财务助手 includes features like '存钱目标' (savings goals) and '省钱挑战' (saving challenges) to actively assist users in achieving their savings objectives.

### What kind of financial insights does 必灵-AI财务助手 provide?

The app offers '消费分析' (spending analysis) and '智能洞察' (intelligent insights) to help users understand their spending habits and make informed financial decisions.

## Version history (last 5 releases)

### 1.0.17 — 2026-09-01

必灵升级账单查询与管理体验：
1.账单更清晰：账单详情优化，收支、转账、退款一目了然
2.改账更方便：新增账单详情，可直接修改金额、时间、分类、备注等信息
3.聊天更顺手：支持长按复制，账单修改状态和历史对话衔接更自然

### 1.0.16 — 2026-08-25

上线AI 财务规划能力 
1.存钱规划：结合你的收入、支出和目标，帮你判断能不能存到、每月该存多少，并拆解成可执行计划
2.省钱规划：帮你找到值得调整的消费行为，算清能省多少，给出控制金额、减少频率等省钱方案
3.预算规划：工资怎么分、这个月还能花多少、旅行等专项预算怎么设置合适，都可以交给必灵帮你算清楚

### 1.0.15 — 2026-08-10

必灵-你的专属AI财务助手，支持可视化存钱目标管理、AI记账、智能分析等服务，帮你在预算超支、无感浪费发生前获得提醒与财务调整方案 ，陪伴你达成每一个财务目标。
1.语音识别优化
2.记账识别优化，支出转账识别、删除等

### 1.0.14 — 2026-08-02

必灵-你的专属AI财务助手，支持可视化存钱目标管理、AI记账、智能分析等服务，帮你在预算超支、无感浪费发生前获得提醒与财务调整方案 ，陪伴你达成每一个财务目标。
1.全新上线消费决策分析，和你一起判断该不该花、替代方案，必要时及时劝退
2.升级智能账单分析功能，全面洞察收支情况，提供温和可行的优化建议

### 1.0.13 — 2026-07-21

必灵-你的专属AI财务助手，支持可视化存钱目标管理、AI记账、智能分析等服务，帮你在预算超支、无感浪费发生前获得提醒与财务调整方案 ，陪伴你达成每一个财务目标。
1. 修复线上问题

## More apps by Hangzhou Yuancai Technology Co.,Ltd.

- [挖财记账-AI自动记账](https://appshunter.io/ios/app/ai/id1544045905)

All apps by Hangzhou Yuancai Technology Co.,Ltd.: https://appshunter.io/developer/1716886102

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-08.*