# MagicBook vs 效度家

The clearest difference is review sentiment: 效度家 at 100% against MagicBook's 80%. On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. MagicBook sells 3 in-app purchases, starting at $0.99 per month and 效度家 sells 1 in-app purchase, starting at $9.99 per year. Whichever you choose, the download price is not the number that matters.

MagicBook ships an update weekly, 效度家 every 2 weeks. The most recent releases landed on October 2, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | MagicBook | 效度家 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/utilitymax/id6758595049/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | 80.0% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | **Weekly** | Every 2 weeks |
| Monetization | Freemium | Freemium |
| Size | 43 MB | 26 MB |
| Requires iOS | **17.0** | 18.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Appactively Inc](https://appshunter.io/developer/1723292162) | [南京星语恒创科技有限公司](https://appshunter.io/developer/1873860301) |

## What reviewers say

### MagicBook

[App page](https://appshunter.io/ios/app/magicbookextreme-savings/id6503676346)

Effortlessly manage your finances with this intuitive money manager and expense tracker. Log daily spending, plan bills, track subscriptions, and set budgets to achieve financial freedom with a clear personal ledger.

**Highlights:** Auto-log daily spending, Plan and track bills, Monitor subscriptions, Set monthly budgets, Clear personal ledger, Transaction history, Financial analysis

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $0.99 | per month |
| Yearly | $1.99 | per year |
| Lifetime | $4.99 | one-time |


### 效度家

[App page](https://appshunter.io/ios/app/utilitymax/id6758595049)

This app helps users plan their long-term finances and retirement. It analyzes assets, income, expenses, and social security to provide detailed financial reports and optimize tax strategies. Users can visualize their financial future and make informed decisions for wealth growth.

**Highlights:** 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

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 效度家年度会员 | $9.99 | per year |


## Frequently asked questions

### Is MagicBook free?

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

### Is 效度家 free?

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

### Do MagicBook or 效度家 have ads?

Neither MagicBook nor 效度家 shows ads.

### Which is updated more often, MagicBook or 效度家?

MagicBook ships an update weekly, and 效度家 every 2 weeks. Most recently, MagicBook was updated on October 2, 2026 and 效度家 on October 12, 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.*