# 保险师 vs 鲸算师

The clearest difference is in-app purchases: 鲸算师 at none against 保险师's 10. 鲸算师 also leads on iOS requirement (11.0 vs 13.0). 保险师's advantage is update cadence (every 2 weeks vs monthly). On price, rating, ratings volume and ads there is nothing between them.

Both are free to download. 保险师 sells 10 one-off in-app purchases. 鲸算师 asks for nothing beyond the download.

On the App Store both sit at effectively the same score — 5.0 for 保险师 against 5.0 for 鲸算师. Both are backed by a comparable volume of ratings — 1 and 2 respectively.

保险师 ships an update every 2 weeks, 鲸算师 monthly. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | 保险师 | 鲸算师 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/id981360164/reviews) | [5.0 (2 ratings)](https://appshunter.io/ios/app/id1492846119/reviews) |
| Number of ratings | 1 | **2** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | — | Free |
| Size | 368 MB | 30 MB |
| Requires iOS | 13.0 | **11.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [WEIEASE Insurance Brokers Co., Ltd.](https://appshunter.io/developer/1494677897) | [TianJin Tinkers Computer information Technology Co.,Ltd](https://appshunter.io/developer/1090009453) |

## What reviewers say

### 保险师

[App page](https://appshunter.io/ios/app/id981360164)

**Features:** macOS Compatibility

**In-app purchases (10)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 大会员尝鲜卡 | $0.99 | one-time |
| 大会员尝鲜卡 | $2.99 | one-time |
| 大会员升级 | $2.99 | one-time |
| 短视频会员 | $2.99 | one-time |
| 计划书会员 | $34.99 | one-time |
| 展业会员365天 | $39.99 | one-time |
| 新媒体会员365天 | $39.99 | one-time |
| 计划书会员 | $39.99 | one-time |
| 短视频会员 | $59.99 | one-time |
| 大会员365天 | $69.99 | one-time |


### 鲸算师

[App page](https://appshunter.io/ios/app/id1492846119)

This app offers a suite of financial calculators for investments and loans, alongside a simple and intuitive expense tracker. It helps users understand real interest rates and manage their finances with clear visualizations and customizable categories.

**Highlights:** IRR, NPV, TVM, loan, and mortgage calculators, Save and share calculation results, Quick and simple expense tracking, Professional income/expense charts, Customizable spending categories, Calendar view for daily summaries

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is 保险师 free?

保险师 is free to download, with in-app purchases available.

### Is 鲸算师 free?

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

### Which has better reviews, 保险师 or 鲸算师?

保险师 and 鲸算师 are both rated 5.0 out of 5 on the App Store, from 1 and 2 ratings respectively.

### Do 保险师 or 鲸算师 have ads?

Neither 保险师 nor 鲸算师 shows ads.

### Which is updated more often, 保险师 or 鲸算师?

保险师 ships an update every 2 weeks, and 鲸算师 monthly. Most recently, 保险师 was updated on November 6, 2026 and 鲸算师 on November 3, 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.*