# 必灵 vs 储流光

The clearest difference is in-app purchases: 必灵 at none against 储流光's 3. 必灵 also leads on iOS requirement (13.0 vs 15.1). On price, update cadence, ads and device support there is nothing between them.

Both are free to download. 储流光 sells 3 in-app purchases, starting at $0.99 per month. 必灵 asks for nothing beyond the download.

必灵 ships an update every 9 days, 储流光 every 2 weeks. The most recent releases landed on November 5, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | 必灵 | 储流光 |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | **Every 9 days** | Every 2 weeks |
| Monetization | Free | — |
| Size | 98 MB | 141 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 9+ | 4+ |
| Developer | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) | [超 彭](https://appshunter.io/developer/6780713604) |

## 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


### 储流光

[App page](https://appshunter.io/ios/app/id6781571752)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 储流光 Pro 月卡 | $0.99 | per month |
| 储流光 Pro 年卡 | $7.99 | per year |
| 储流光 Pro 永久版 | $9.99 | one-time |


## Frequently asked questions

### Is 必灵 free?

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

### Is 储流光 free?

储流光 is free to download, with in-app purchases available.

### Do 必灵 or 储流光 have ads?

Neither 必灵 nor 储流光 shows ads.

### Which is updated more often, 必灵 or 储流光?

必灵 ships an update every 9 days, and 储流光 every 2 weeks. Most recently, 必灵 was updated on November 5, 2026 and 储流光 on October 28, 2026.

---

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