Comparison

养老金 vs 文心

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

养老金

Calculate your estimated retirement pension and social security contributions. Understand your take-home pay and how long it will take to recoup your contributions. Offers detailed and accurate calculations compared to similar apps.

Highlights
  • Pension calculation
  • Social security calculation
  • Detailed contribution breakdown
  • Recoupment period estimation
  • Accurate financial projections
  • VIP membership options
Features
Read full description

【养老金计算】 交了这么多年的养老金,到退休之后到手的退休金还能维持体面的生活吗?具体又能领取到多少养老金呢?到底领多少年才能回本呢?养老金是否划算?使用 "养老金" 即可计算出你所有关心的数据,相比市场上同类产品,我们做得更详细,计算更准确。 【社保计算】 为什么每个月到手的工资,总是与实际工资数不符?使用社保计算,即可查看个人与公司实际缴纳了多少社保,了解为什么每个月工资总是会少一些。 【VIP 会员】 - 付款: 用户确认购买并付款后记入iTunes账号。 - 取消续订: 如需取消续订,请在当前订阅到期24小时以前,手动在iTunes/Apple ID 设置管理中关闭自动续订功能。 - 续订: 苹果iTunes账户会在到期前24小时内扣款,扣款成功后订阅周期顺延相应期限。 - 会员协议:https://www.kdocs.cn/l/cbPOPTT96TZ3 - 服务条款:https://www.kdocs.cn/l/cg77rvmFKkiJ

About

文心

This AI assistant leverages advanced language models for Chinese knowledge Q&A, creative writing, and logical reasoning. It offers multimodal AI capabilities, including video, image, and voice processing, with features like AI group chat, multimodal search, and AI-generated presentations.

Highlights
  • AI group chat (beta)
  • Multimodal search
  • Chinese writing assistance
  • AI PPT generation
  • Video generation
  • Creative image editing
Features
Read full description

文心 App 产品介绍 文心是百度旗下的全能AI助手,深耕中文知识问答、文学创作与逻辑推理,同时具备视频、图片、语音等多模态能力。 最新版本全新推出「任务托管」功能,一键托管任务,自动编排并交付全场景专业成果,让AI替你完成更专业可靠的工作。 【版本亮点】 任务托管:一键托管,自动规划并执行多步骤任务,交付全场景专业成果 界面简洁:更清晰、更聪明、更好用 强大搜索:支持文字、语音、图片、视频、文档等多种输入方式 中文写作:可撰写、改写、润色文档,提供丰富模板 视频通话:随时随地实时畅聊,支持多种方言识别与回复 魔法创作:创意图片、一键P图、让图片动起来、一句话生成视频等创意玩法 打通微信:聊天记录中的文件可直接同步上传 AIPPT:输入主题即可一键生成PPT,支持中英双语、定制篇幅与受众 【功能详情】 任务托管,专业交付 复杂工作交给文心,你只需提出需求,剩下的全由它自动完成。 无论是撰写一份市场分析报告、制作一份汇报PPT,还是整理数据、生成可视化图表,文心都能自动搜集资料、分析处理、编排内容,最终交付结构完整、可直接使用的专业成果。全流程无需分步操作,任务一键托管,成果按时送达。 全能搜索,一应俱全 搜地图导航、医疗健康、专业百科、影视小说、表格导图……想问什么都可以,支持语音提问、图片提问、视频提问、文档提问。 值得信赖的中文写作 无论是汇报材料、讲话稿、工作总结,还是教案、小说,文心都能根据场景进行撰写、改写、润色,并深入查证资料与事实,让创作更放心。 有趣的魔法创作 一键P图拯救废片、让静态图片动起来、一句话生成图片或视频等多种创意玩法,随时随地释放灵感。 更懂方言的视频通话 能识别河南话、东北话、粤语等多种方言,还能用方言回复,沟通更亲切自然。 文件上传更省心 支持从微信聊天记录直接同步文档,再也不用到处找“下载的文件在哪”。 AIPPT一键生成 只需一个主题,即可自动生成完整PPT。可定制篇幅、目标受众,支持中英双语,内置上百个场景模板。 【联系我们】 使用中如遇任何问题,可在App内通过“我-设置-帮助/反馈”进行反馈。每一个反馈都将帮助文心持续进步。 隐私政策:https://yiyanapp.baidu.com/app/protectionrule/ios

Screenshots

养老金3 screens
文心4 screens

Verdict

The call

The clearest difference is rating: 养老金 at 4.8 against 文心's 2.6. 养老金 also leads on update cadence (every 6 days vs every 2 weeks). 文心's advantage is ads (none vs shown) and ratings volume (167 vs 4). On price, in-app purchases, monetization model and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. 养老金 sells 2 in-app purchases, starting at $2.99 per month and 文心 sells 6 one-off in-app purchases. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

养老金 holds the better App Store score, 4.8 against 2.6. That said, the two scores are not equally well evidenced: 文心 has 167 ratings behind it against 4, so its average is the more settled of the two.

UpkeepUpdate frequency

养老金 ships an update every 6 days, 文心 every 2 weeks. The most recent releases landed on November 3, 2026 and November 5, 2026 respectively.

Scorecard4 real differences · 6 level
养老金 versus 文心: the parameters behind the verdict, then further details
Parameter养老金文心
PriceFreeFree
Rating4.8 (4 ratings) — better2.6 (167 ratings)
Positive reviews—32.5% of reviews
Number of ratings4167 — better
Update frequencyEvery 6 days — betterEvery 2 weeks
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size79 MB300 MB
Age rating4+17+
DeveloperChengdu Cangmo Technology Co., LtdBeijing Baidu Netcom Science & Technology Co.,Ltd

Customer experience

养老金

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

文心

All ratings166 ratings
Positive37.3%
Neutral6.0%
Negative56.6%
Written reviews80 reviews
Positive32.5%
Neutral7.5%
Negative60.0%

In-app purchases

2 purchases

养老金

Subscriptions2
  • 养老金VIP$2.991 Month
  • 养老金计算$12.996 Months
6 purchases

文心

One-time6
  • 能量值1元$0.99
  • 能量值5元$1.99
  • 能量值10元$2.99
Show 3 more
  • 能量值50元$6.99
  • 能量值100$14.99
  • 能量值500元$69.99

Questions

Is 养老金 free?
养老金 is free to download, with in-app purchases available.
Is 文心 free?
文心 is free to download, with in-app purchases available.
Which has better reviews, 养老金 or 文心?
养老金 is rated higher. 养老金 averages 4.8 out of 5 from 4 ratings, while 文心 averages 2.6 from 167 ratings.
Do 养老金 or 文心 have ads?
养老金 shows ads; 文心 does not.
Which is updated more often, 养老金 or 文心?
养老金 ships an update every 6 days, and 文心 every 2 weeks. Most recently, 养老金 was updated on November 3, 2026 and 文心 on November 5, 2026.

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