# 投资理财必会 vs M Budget

The clearest difference is rating: M Budget at 5.0 against 投资理财必会's 4.5. M Budget also leads on update cadence (every 2 weeks vs every 3 months) and review sentiment (100% vs 86%). 投资理财必会's advantage is iOS requirement (8.0 vs 17.2). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. 投资理财必会 sells 1 one-off in-app purchase and M Budget sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

M Budget holds the better App Store score, 5.0 against 4.5. Both are backed by a comparable volume of ratings — 2 and 1 respectively. Written reviews point the same way: 86% of 投资理财必会's written reviews are positive against 100% of M Budget's.

投资理财必会 ships an update every 3 months, M Budget every 2 weeks. The most recent releases landed on November 1, 2026 and October 31, 2026 respectively.

## The numbers

| Metric | 投资理财必会 | M Budget |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (2 ratings)](https://appshunter.io/ios/app/id690984273/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/m-budget-expense-tracker/id6780538389/reviews)** |
| Number of ratings | **2** | 1 |
| Positive reviews | 85.7% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 44 MB | 35 MB |
| Requires iOS | **8.0** | 17.2 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [世木 林](https://appshunter.io/developer/528007397) | [海燕 赵](https://appshunter.io/developer/6780315706) |

## What reviewers say

### 投资理财必会

[App page](https://appshunter.io/ios/app/id690984273)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $2.99 | one-time |


### M Budget

[App page](https://appshunter.io/ios/app/m-budget-expense-tracker/id6780538389)

This app helps you manage your finances with simple expense tracking, clear charts, and budget alerts. It prioritizes privacy with 100% on-device storage and no data collection. Track accounts, assets, and liabilities to gain better financial control.

**Highlights:** Fast expense and income logging, Calendar view for daily spending, Powerful statistical charts, Net worth tracking, Budget setting and alerts, Multi-account management, On-device data storage

**Features:** macOS Compatibility, Family Sharing, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| M Budget Pro | $14.99 | one-time |


## Frequently asked questions

### Is 投资理财必会 free?

投资理财必会 is free to download, with in-app purchases available.

### Is M Budget free?

M Budget is free to download, with in-app purchases available.

### Which has better reviews, 投资理财必会 or M Budget?

M Budget is rated higher. 投资理财必会 averages 4.5 out of 5 from 2 ratings, while M Budget averages 5.0 from 1 ratings.

### Do 投资理财必会 or M Budget have ads?

Neither 投资理财必会 nor M Budget shows ads.

### Which is updated more often, 投资理财必会 or M Budget?

投资理财必会 ships an update every 3 months, and M Budget every 2 weeks. Most recently, 投资理财必会 was updated on November 1, 2026 and M Budget on October 31, 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.*