# 效度家-退休规划税务优化及家庭财务分析UtilityMax

> Professional financial planning app for long-term wealth and retirement. (iPhone/iPad app by 南京星语恒创科技有限公司.)

- Source: https://appshunter.io/ios/app/utilitymax/id6758595049 (this page in markdown: same URL + `.md`)
- Developer: [南京星语恒创科技有限公司](https://appshunter.io/developer/1873860301)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 2 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 26 MB
- Languages: American English
- Released: 2026-02-12
- Data updated: 2026-08-27
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/utilitymax/id6758595049/reviews.md

## What is 效度家?

掌控您的家庭财务规划

UtilityMax 是一款专业的财务规划应用，专为关注长期财富健康和退休生活的用户打造。通过输入您的税务、资产配置、收入、支出及社保信息，UtilityMax 能为您生成详尽的财务分析报告，帮助您清晰预见未来的财务状况、做出最优的理财决策。

核心功能：

智能税务优化：基于中国个人所得税规则，UtilityMax 可帮助您测算年度个税、识别可用扣除项，并模拟年终奖计税方式、专项附加扣除、个人养老金、税优健康险、公益捐赠等多种合法优化方案。系统将输出预计省税金额、现金流改善效果和可执行建议，让您更清楚地规划收入、扣除和税务安排。

终身财务轨迹图：利用动态迭代规划，直观模拟您从现在到未来的最优消费、储蓄、支出路径和其它财务规划图，让您一眼看清财富增长曲线和潜在的资金缺口和消费可能。

资产配置蒙特卡洛模拟： 采用机构级的风险分析模型，通过成千上万次市场波动模拟，利用蒙特卡洛原理生成您个性化配置的资产组合的收益可能分布，帮助您制定能够经受住市场考验的稳健计划。

社保与养老金分析：深入分析您的社保构成。可视化展示退休后每月预估养老金收入及其详细组成、预测和对比住房公积金的额度组合，帮您选择最优的社保使用策略，确保退休后的稳定现金流。

财务健康概览：全方位的财务体检报告。综合评估您的储蓄率、支出结构和资产配置，提供即时的财务健康打分和改进建议。

直观的数据大屏：通过终身消费、储蓄、预算等多维度图表，清晰呈现每一笔资金的最优流向，让复杂的财务问题变得简单易懂。

为什么选择 UtilityMax？
- 采用经济学理论和统计学模型，结合历史数据和强大的算法，给用户提供全面、合理的分析和建议。
- 尊重和保护用户的决策权，只给用户提供个性化的理财建议，不会以任何形式直接管理或使用用户的资金。
- 采用强大的数据加密和保护技术，确保用户的信息和隐私安全。承诺仅将用户数据用作提供个性化理财建议，不在任何非授权范围内使用用户数据。
- 借助多重工具，不断更新模型算法和数据，力求提供最新、最全面、最符合实际的理财建议。

立即下载 UtilityMax，开启您的科学理财之旅，为美好未来保驾护航！

订阅服务说明
效度家年度会员（Utility Max Pro）

• 订阅名称：效度家年度会员
• 订阅时长：1年（自动续订）
• 订阅价格：¥68/年（约 ¥5.7/月）

隐私政策：http://utmwealth.com/privacy
使用条款：http://utmwealth.com/terms

## Key features

- Smart tax optimization based on Chinese tax rules
- Lifetime financial trajectory visualization
- Monte Carlo simulations for risk analysis
- Social security and pension analysis
- Comprehensive financial health overview
- Intuitive data dashboard for spending and budgeting

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| 效度家年度会员 | $9.99 | per year |


## Recent user reviews (2 of 2)

All indexed reviews: https://appshunter.io/ios/app/utilitymax/id6758595049/reviews.md

### 5/5 — 非常专业

*2026-08-13*

非常好用

### 5/5 — 功能很实用的app，适合做长期财务规划

*2026-05-01*

这几天用下来感觉很不错，界面比较简洁，功能分类也很清楚，不会让人一打开就觉得复杂。社保报告、财务健康报告、退休后的消费和资产规划这些功能都挺实用的，给的都很详细，尤其适合想提前了解自己未来财务状况的人。
我觉得比较好的地方是，它综合了把社保、储蓄、消费和资产情况，放在一起分析，能更直观地看到长期规划的大概方向。
整体来说是一款比较专业但又不难上手的工具，适合家庭财务规划和退休准备使用。期待后续更多功能！

## Frequently asked questions about 效度家

### What is the annual subscription price for UtilityMax Pro?

The annual membership for UtilityMax Pro is ¥68 per year, which averages to approximately ¥5.7 per month. This subscription is set to auto-renew.

### Does UtilityMax offer a free trial for its premium features?

The provided data indicates a 'Free' price point for the base application and a subscription service for 'UtilityMax Pro'. Specific details on a free trial for the Pro version are not available in the description.

### How does UtilityMax ensure the security of user financial data?

UtilityMax employs robust data encryption and protection technologies to ensure user information and privacy are secure. User data is exclusively used to provide personalized financial advice and is not shared without authorization.

### What kind of financial analysis does UtilityMax provide?

UtilityMax provides comprehensive financial analysis including smart tax optimization, lifetime financial trajectory visualization, Monte Carlo simulations for risk assessment, and detailed social security and pension analysis.

### Can UtilityMax help with managing daily expenses and budgeting?

Yes, UtilityMax features an intuitive data dashboard that clearly presents optimal fund flows for lifetime consumption, savings, and budgeting across multiple dimensions, making complex financial matters easy to understand.

### What are the primary benefits of using UtilityMax for financial planning?

UtilityMax utilizes economic theories and statistical models with historical data and powerful algorithms to offer comprehensive analysis and advice. It respects user decision-making, only providing personalized recommendations without directly managing funds.

### How frequently is UtilityMax updated?

The application was last updated on 2026-06-10, indicating ongoing development and model algorithm updates to provide the most current and practical financial advice.

### Does UtilityMax have ads?

No, the application is not ad-supported. The 'hasAds' flag is false, meaning users can expect an ad-free experience.

## Version history (last 5 releases)

### 1.1.2 — 2026-08-19

· 全新上线，税务优化功能
- 支持录入工资薪金、劳务报酬、经营所得等多类收入信息
- 支持专项扣除、专项附加扣除及其他税前扣除项目的测算
- 新增不同收入与扣除方案的税负对比，帮助用户识别潜在优化空间
- 自动计算预计应纳税所得额、个人所得税及税后收入
- 针对信息缺失、数值异常及扣除项目冲突，增加了更清晰的错误提示
- 优化了税务信息录入与结果展示方式
- 提升了税务测算与报告生成的性能及稳定性

· 蒙特卡洛模拟新增股票支持
- 支持搜索并添加最多 10个中国 A 股代码至投资组合
- 优化了核心资产与股票的投资组合权重验证
- 针对无效股票代码、重复条目及权重总计，增加了更清晰的错误处理
- 优化了资产配置字段的百分比输入行为
- 提升了模拟设置与结果的性能及稳定性

### 1.1.1 — 2026-06-30

全新上线，税务优化功能。

### 1.1.0 — 2026-06-10

新增税务优化模块

### 1.0.6 — 2026-04-14

更新内容

- 蒙特卡洛模拟新增股票支持
- 支持搜索并添加最多 10 个中国 A 股代码至投资组合
- 优化了核心资产与股票的投资组合权重验证
- 针对无效股票代码、重复条目及权重总计，增加了更清晰的错误处理
- 优化了资产配置字段的百分比输入行为
- 提升了模拟设置与结果的性能及稳定性

### 1.0.5 — 2026-03-24

财务健康报告更改为免费报告

## More apps by 南京星语恒创科技有限公司

- [WhatRUDoing?](https://appshunter.io/ios/app/whatrudoing/id6759882322)

All apps by 南京星语恒创科技有限公司: https://appshunter.io/developer/1873860301

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*