# Factor vs Merfi AI

The clearest difference is ads: Factor at none against Merfi AI's shown. Factor also leads on review sentiment (71% vs 57%) and device support (3 vs 1). On price, update cadence, in-app purchases and monetization model there is nothing between them.

Both are free to download. Factor sells 8 in-app purchases, starting at $4.49 per month and Merfi AI sells 7 in-app purchases, starting at $9.99 per 7 days. Whichever you choose, the download price is not the number that matters.

Factor ships an update monthly, Merfi AI every 2 months. The most recent releases landed on October 12, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Factor | Merfi AI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.6 (31 ratings)](https://appshunter.io/ios/app/merfi-ai-ai-text-to-speech/id6461042016/reviews)** |
| Number of ratings | — | **31** |
| Positive reviews | **71.4% of reviews** | 57.1% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Freemium | Free with in-app purchases |
| Size | 50 MB | 43 MB |
| Requires iOS | **15.5** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Olekisy Roshchenko](https://appshunter.io/developer/928457458) | [Kawsar Ahmed](https://appshunter.io/developer/1609731564) |

## What reviewers say

### Factor

[App page](https://appshunter.io/ios/app/factor/id1470227882)

Access fresh news, analytical articles, professional journals, and books for accountants in Ukraine. Enjoy online and offline reading modes, with Pro access offering ad-free content and exclusive publications.

**Highlights:** Fresh news for accountants, Analytical articles, Professional journals, Online and offline modes, Pro-access with ad-free content, Search by keyword, Personalized collection of favorites

**Features:** Vision Pro support

**In-app purchases (8)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Держслужбовець (1 місяць) | $4.49 | per month |
| Оплата праці (1 місяць) | $4.99 | per month |
| Місцеве самоврядування (1 м.) | $5.49 | per month |
| Бухгалтер 911 (1 місяць) | $5.49 | per month |
| Бюджетна бухгалтерія (1 м.) | $7.99 | per month |
| Factor PRO (Monthly) | $9.99 | per month |
| Налоги и бухгалтерский учет 1м | $14.49 | per month |
| Factor PRO (Annual) | $99.00 | per year |


### Merfi AI

[App page](https://appshunter.io/ios/app/merfi-ai-ai-text-to-speech/id6461042016)

This app converts spoken words into text in real-time and can also read aloud scanned documents or typed text. It offers customizable audio settings and organized storage for your transcriptions and audio files.

**Highlights:** Real-time transcription, High voice-to-text accuracy, Customizable text-to-audio, Document scanning with read-aloud, User-friendly interface, Document storage and organization

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

**In-app purchases (7)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Subscription | $9.99 | per 7 days |
| Monthly Subscription | $12.99 | per month |
| Monthly Subscription | $14.99 | per month |
| Monthly Subscription | $19.99 | per month |
| Annual Subscription | $89.99 | per year |
| Annual Subscription | $99.99 | per year |
| Annual Subscription | $149.99 | per year |


## Frequently asked questions

### Is Factor free?

Factor is free to download, with in-app purchases available.

### Is Merfi AI free?

Merfi AI is free to download, with in-app purchases available.

### Do Factor or Merfi AI have ads?

Merfi AI shows ads; Factor does not.

### Which is updated more often, Factor or Merfi AI?

Factor ships an update monthly, and Merfi AI every 2 months. Most recently, Factor was updated on October 12, 2026 and Merfi AI on October 30, 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.*