# 利率通 vs Chat 4o

The clearest difference is price: 利率通 at Free against Chat 4o's $0.99. Chat 4o's advantage is update cadence (every 2 days vs fortnightly). On ads, in-app purchases, device support and iOS requirement there is nothing between them.

利率通 is free to download; Chat 4o costs $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.

利率通 ships an update fortnightly, Chat 4o every 2 days. The most recent releases landed on October 7, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | 利率通 | Chat 4o |
| --- | --- | --- |
| Price | **Free** | $0.99 |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/id6471359018/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Every 2 days** |
| Monetization | Free | — |
| Size | 33 MB | 4 MB |
| Requires iOS | **12.0** | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Shanghai Baier Information Technology Co., Ltd](https://appshunter.io/developer/1649095624) | [勇 刘](https://appshunter.io/developer/1687235692) |

## What reviewers say

### 利率通

[App page](https://appshunter.io/ios/app/id6471359018)

Calculate the true interest rates for various loan types, including mortgages, car loans, credit card installments, and personal loans. It also helps calculate deposit interest rates, providing detailed repayment plans and historical data for each loan.

**Highlights:** Mortgage interest rate calculation, Credit card installment rate calculation, Car loan installment rate calculation, Personal and consumer loan rate calculation, Deposit interest rate calculation, Detailed repayment history and plans

**Features:** macOS Compatibility

**In-app purchases:** none


### Chat 4o

[App page](https://appshunter.io/ios/app/chat-4o/id6502845509)

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

**In-app purchases:** none


## Frequently asked questions

### Is 利率通 free?

利率通 is free to download, with no in-app purchases.

### Is Chat 4o free?

Chat 4o costs $0.99, with no in-app purchases.

### Do 利率通 or Chat 4o have ads?

Neither 利率通 nor Chat 4o shows ads.

### Which is updated more often, 利率通 or Chat 4o?

利率通 ships an update fortnightly, and Chat 4o every 2 days. Most recently, 利率通 was updated on October 7, 2026 and Chat 4o on October 27, 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.*