# Richart Life vs SHIN理想記帳

The clearest difference is rating: SHIN理想記帳 at 4.8 against Richart Life's 1.9. SHIN理想記帳 also leads on monetization model (ad-supported vs free with in-app purchases). Richart Life's advantage is ratings volume (21 vs 5). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SHIN理想記帳 holds the better App Store score, 4.8 against 1.9. Both are backed by a comparable volume of ratings — 21 and 5 respectively.

Richart Life ships an update every 4 weeks, SHIN理想記帳 every 3 weeks. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Richart Life | SHIN理想記帳 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.9 (21 ratings)](https://appshunter.io/ios/app/richart-life/id1185371908/reviews) | **[4.8 (5 ratings)](https://appshunter.io/ios/app/shin/id1616469322/reviews)** |
| Number of ratings | **21** | 5 |
| Positive reviews | 17.1% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Ad-supported** |
| Size | 250 MB | 98 MB |
| Requires iOS | **13.0** | 13.2 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Taishin International Bank](https://appshunter.io/developer/388917173) | [KINGWAY MEDIA CO., LTD.](https://appshunter.io/developer/1861368921) |

## What reviewers say

### Richart Life

[App page](https://appshunter.io/ios/app/richart-life/id1185371908)

This app integrates various financial and lifestyle services, including credit card management, loyalty point redemption, and mobile payments. It aims to provide a comprehensive and convenient platform for managing daily financial activities and accessing exclusive offers.

**Highlights:** Integrated lifestyle services, Mobile payment support, Loyalty point redemption, Credit card management, Real-time transaction notifications, Coupon access

**Features:** Apple Wallet, iPhone Duo support

**In-app purchases:** none


### SHIN理想記帳

[App page](https://appshunter.io/ios/app/shin/id1616469322)

This finance app helps users manage their money through a unique proportional budgeting method, allowing them to allocate income into living, investment, and savings accounts. It also categorizes spending as 'wants' or 'needs' to promote smarter financial decisions and provides detailed reports.

**Highlights:** Proportional budgeting method, Allocate income to living, investment, savings, Categorize spending as 'wants' or 'needs', Consumption analysis reports, Cloud automatic data upload, Customizable category icons, Daily journaling reminders

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Richart Life free?

Richart Life is free to download, with no in-app purchases.

### Is SHIN理想記帳 free?

SHIN理想記帳 is free to download, with no in-app purchases.

### Which has better reviews, Richart Life or SHIN理想記帳?

SHIN理想記帳 is rated higher. Richart Life averages 1.9 out of 5 from 21 ratings, while SHIN理想記帳 averages 4.8 from 5 ratings.

### Do Richart Life or SHIN理想記帳 have ads?

Neither Richart Life nor SHIN理想記帳 shows ads.

### Which is updated more often, Richart Life or SHIN理想記帳?

Richart Life ships an update every 4 weeks, and SHIN理想記帳 every 3 weeks. Most recently, Richart Life was updated on October 29, 2026 and SHIN理想記帳 on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*