# 养老金 vs 文心

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.

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.

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.

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.

## The numbers

| Metric | 养老金 | 文心 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (4 ratings)](https://appshunter.io/ios/app/id1665412016/reviews)** | [2.6 (167 ratings)](https://appshunter.io/ios/app/ai/id6446882473/reviews) |
| Number of ratings | 4 | **167** |
| Positive reviews | — | 32.5% of reviews |
| In-app purchases | Yes | Yes |
| Ads | Yes | **No** |
| Update frequency | **Every 6 days** | Every 2 weeks |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Size | 79 MB | 300 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Chengdu Cangmo Technology Co., Ltd](https://appshunter.io/developer/1668641241) | [Beijing Baidu Netcom Science & Technology Co.,Ltd](https://appshunter.io/developer/372585298) |

## What reviewers say

### 养老金

[App page](https://appshunter.io/ios/app/id1665412016)

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:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 养老金VIP | $2.99 | per month |
| 养老金计算 | $12.99 | per 6 months |


### 文心

[App page](https://appshunter.io/ios/app/ai/id6446882473)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 能量值1元 | $0.99 | one-time |
| 能量值5元 | $1.99 | one-time |
| 能量值10元 | $2.99 | one-time |
| 能量值50元 | $6.99 | one-time |
| 能量值100 | $14.99 | one-time |
| 能量值500元 | $69.99 | one-time |


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