# 必灵 vs Cost自动记账

The clearest difference is in-app purchases: 必灵 at none against Cost自动记账's 3. 必灵 also leads on iOS requirement (13.0 vs 15.5). Cost自动记账's advantage is update cadence (every 3 days vs every 8 days). On price, ads and device support there is nothing between them.

Both are free to download. Cost自动记账 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 8 days, Cost自动记账 every 3 days. The most recent releases landed on October 10, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | 必灵 | Cost自动记账 |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 8 days | **Every 3 days** |
| Monetization | Free | — |
| Size | 61 MB | 90 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 9+ | 4+ |
| Developer | [Hangzhou Yuancai Technology Co.,Ltd.](https://appshunter.io/developer/1716886102) | [Hefei Today Yi Xiu Technology Co., Ltd](https://appshunter.io/developer/6782234075) |

## 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


### Cost自动记账

[App page](https://appshunter.io/ios/app/cost/id6787337713)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pro Monthly | $0.99 | per month |
| Pro Yearly | $4.99 | per year |
| Lifetime Membership | $9.99 | one-time |


## Frequently asked questions

### Is 必灵 free?

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

### Is Cost自动记账 free?

Cost自动记账 is free to download, with in-app purchases available.

### Do 必灵 or Cost自动记账 have ads?

Neither 必灵 nor Cost自动记账 shows ads.

### Which is updated more often, 必灵 or Cost自动记账?

必灵 ships an update every 8 days, and Cost自动记账 every 3 days. Most recently, 必灵 was updated on October 10, 2026 and Cost自动记账 on October 13, 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.*