# 必灵 vs 不拖

The clearest difference is review sentiment: 不拖 at 100% against 必灵's 50%. 必灵's advantage is iOS requirement (13.0 vs 17.6). On price, update cadence, ads and in-app purchases there is nothing between them.

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

必灵 ships an update every 9 days, 不拖 every 6 days. The most recent releases landed on October 24, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | 必灵 | 不拖 |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 days | **Every 6 days** |
| Monetization | Free | — |
| Size | 61 MB | 5 MB |
| Requires iOS | **13.0** | 17.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 9+ | 4+ |
| Developer | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) | [强 王](https://appshunter.io/developer/1882372799) |

## What reviewers say

### 必灵

[App page](https://appshunter.io/ios/app/ai/id6760445481)

This AI-powered assistant simplifies financial management with intelligent expense tracking, voice note capabilities, and insightful spending analysis. It helps users plan budgets, set savings goals, and manage assets effectively.

**Highlights:** Intelligent expense tracking, Voice note expense recording, Spending analysis and insights, Budget planning, Savings goal setting, Asset management

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

**In-app purchases:** none


### 不拖

[App page](https://appshunter.io/ios/app/id6761042128)

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

**In-app purchases:** none


## Frequently asked questions

### Is 必灵 free?

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

### Is 不拖 free?

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

### Do 必灵 or 不拖 have ads?

Neither 必灵 nor 不拖 shows ads.

### Which is updated more often, 必灵 or 不拖?

必灵 ships an update every 9 days, and 不拖 every 6 days. Most recently, 必灵 was updated on October 24, 2026 and 不拖 on October 28, 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.*