# 必灵 vs 小新退休

The clearest difference is in-app purchases: 必灵 at none against 小新退休's 3. 必灵 also leads on iOS requirement (13.0 vs 17.0). 小新退休's advantage is update cadence (every 2 days vs every 9 days). On price, ads and device support there is nothing between them.

Both are free to download. 小新退休 sells 3 in-app purchases, starting at $1.99 per month. 必灵 asks for nothing beyond the download.

必灵 ships an update every 9 days, 小新退休 every 2 days. Both last shipped on November 5, 2026.

## The numbers

| Metric | 必灵 | 小新退休 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/id6761747058/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 9 days | **Every 2 days** |
| Monetization | Free | — |
| Size | 98 MB | 10 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 9+ | +4 |
| Developer | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) | [建新 李](https://appshunter.io/developer/1784835216) |

## 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


### 小新退休

[App page](https://appshunter.io/ios/app/id6761747058)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 月度会员 | $1.99 | per month |
| 年度会员 | $12.99 | per year |
| 终生会员 | $24.99 | one-time |


## Frequently asked questions

### Is 必灵 free?

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

### Is 小新退休 free?

小新退休 is free to download, with in-app purchases available.

### Do 必灵 or 小新退休 have ads?

Neither 必灵 nor 小新退休 shows ads.

### Which is updated more often, 必灵 or 小新退休?

必灵 ships an update every 9 days, and 小新退休 every 2 days. Most recently, 必灵 was updated on November 5, 2026 and 小新退休 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.*