# 美篇 vs ReFi算账

The clearest difference is in-app purchases: ReFi算账 at none against 美篇's 24. ReFi算账 also leads on ads (none vs shown) and rating (5.0 vs 4.8). 美篇's advantage is ratings volume (3.7K vs 1) and iOS requirement (13.0 vs 15.0). On price, update cadence and device support there is nothing between them.

Both are free to download. 美篇 sells 16 in-app purchases, starting at $2.99 per month. ReFi算账 asks for nothing beyond the download.

ReFi算账 holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: 美篇 has 3.7K ratings behind it against 1, so its average is the more settled of the two.

美篇 ships an update every 9 days, ReFi算账 every 2 weeks. The most recent releases landed on October 20, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | 美篇 | ReFi算账 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (3.7K ratings)](https://appshunter.io/ios/app/id987570993/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/refi/id6761893170/reviews)** |
| Number of ratings | **3.7K** | 1 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | Yes | **No** |
| Update frequency | **Every 9 days** | Every 2 weeks |
| Monetization | Freemium | **Free** |
| Size | 201 MB | 134 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 9+ | 17+ |
| Developer | [Nanjing Lanjingren Network Technology Co., Ltd.](https://appshunter.io/developer/987570992) | [Beijing Financial World Technology Co.,Ltd.](https://appshunter.io/developer/923934026) |

## What reviewers say

### 美篇

[App page](https://appshunter.io/ios/app/id987570993)

This app is a community for mature adults to share their lives and connect with like-minded individuals. Create engaging content with templates, music, and fonts, and share your creations across social media. Build your personal brand and become a featured creator.

**Highlights:** Content creation with templates, music, and fonts, Interest-based social networking, Easy sharing to social media, Personal blog and portfolio creation, Ad-free reading for members, High-resolution image uploads for members

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

**In-app purchases (16)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 美篇连续包月会员 | $2.99 | per month |
| 美篇连续包月会员 | $3.99 | per month |
| 美篇连续包月会员 | $4.99 | per month |
| 美篇连续包月会员 | $6.99 | per month |
| 美篇连续包季会员 | $9.99 | per 3 months |
| 美篇连续包年会员 | $24.99 | per year |
| 美篇连续包年会员 | $29.99 | per year |
| 美篇连续包年会员 | $29.99 | per year |
| 美篇连续包年会员 | $39.99 | per year |
| 美篇连续包年会员 | $39.99 | per year |
| 1个月美篇会员 | $6.99 | one-time |
| 1个月美篇会员 | $9.99 | one-time |
| 2年美篇会员 | $34.99 | one-time |
| 1年美篇会员 | $39.99 | one-time |
| 2年美篇会员 | $39.99 | one-time |
| 2年美篇会员 | $59.99 | one-time |

**What reviewers like**

- 💻 Convenient and easy to use
- 🎨 Versatile design options
- 🗓️ Great for recording life events
- 🤝 Helpful for sharing with friends
- 🌟 Excellent platform for creative expression

**What reviewers complain about**

- 🔒 Requires Chinese phone number to use
- 🔍 Difficult for overseas users to access
- 🎵 Limited music/audio options
- 🖼️ Occasional issues with image/video uploads

**Reported bugs**

- Occasional crashes or freezes
- Inconsistent performance on older devices

**Requested features**

- Expand music/audio library
- Improve accessibility for overseas users
- Add more layout and design options
- Enhance video integration capabilities
- Provide offline storage/backup options


### ReFi算账

[App page](https://appshunter.io/ios/app/refi/id6761893170)

This AI-powered financial planning tool creates a dynamic family balance sheet, tracking assets, liabilities, income, and expenses. It uses AI to analyze financial data, providing clear insights and actionable planning advice for families. The app aims to help users understand their current financial situation and plan for the future.

**Highlights:** Dynamic family asset-liability balance sheet, AI financial data analysis, Personalized financial planning advice, Track assets, liabilities, income, and expenses, Clear financial record keeping, Financial data interpretation and support

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

**In-app purchases:** none


## Frequently asked questions

### Is 美篇 free?

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

### Is ReFi算账 free?

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

### Which has better reviews, 美篇 or ReFi算账?

ReFi算账 is rated higher. 美篇 averages 4.8 out of 5 from 3.7K ratings, while ReFi算账 averages 5.0 from 1 ratings.

### Do 美篇 or ReFi算账 have ads?

美篇 shows ads; ReFi算账 does not.

### Which is updated more often, 美篇 or ReFi算账?

美篇 ships an update every 9 days, and ReFi算账 every 2 weeks. Most recently, 美篇 was updated on October 20, 2026 and ReFi算账 on October 8, 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.*