# Optimize Financial vs 99Fi

The clearest difference is update cadence: 99Fi at every 2 months against Optimize Financial's every 5 months. 99Fi also leads on iOS requirement (12.0 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

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

Optimize Financial ships an update every 5 months, 99Fi every 2 months. The most recent releases landed on October 20, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | Optimize Financial | 99Fi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/optimize-financial/id1604833168/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | — |
| Size | 61 MB | 46 MB |
| Requires iOS | 15.6 | **12.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Optimize Financial Inc.](https://appshunter.io/developer/1604833170) | [99Lan Inc](https://appshunter.io/developer/1790978696) |

## What reviewers say

### Optimize Financial

[App page](https://appshunter.io/ios/app/optimize-financial/id1604833168)

Access your financial plan, account details, and balances all in one place. Easily connect with your dedicated financial advisor for personalized support.

**Highlights:** View financial plan, Access account information, Check balances, Contact Personal CFO, Connect with OFI Team

**Features:** macOS Compatibility

**In-app purchases:** none


### 99Fi

[App page](https://appshunter.io/ios/app/99fi/id6740659848)

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Optimize Financial free?

Optimize Financial is free to download, with no in-app purchases.

### Is 99Fi free?

99Fi is free to download, with no in-app purchases.

### Do Optimize Financial or 99Fi have ads?

Neither Optimize Financial nor 99Fi shows ads.

### Which is updated more often, Optimize Financial or 99Fi?

Optimize Financial ships an update every 5 months, and 99Fi every 2 months. Most recently, Optimize Financial was updated on October 20, 2026 and 99Fi on October 11, 2026.

---

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