# Xcent vs 效度家

Xcent and 效度家 are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Xcent sells 3 in-app purchases, starting at $2.99 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.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 4, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | Xcent | 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 | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | — | Freemium |
| Size | 16 MB | 26 MB |
| Requires iOS | **17.6** | 18.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Ghiulai Ionut](https://appshunter.io/developer/1071267994) | [南京星语恒创科技有限公司](https://appshunter.io/developer/1873860301) |

## What reviewers say

### Xcent

[App page](https://appshunter.io/ios/app/xcent-expense-tracker/id6747335078)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Premium Monthly | $2.99 | per month |
| Premium Yearly | $22.99 | per year |
| Family Package | $34.99 | per year |


### 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 Xcent free?

Xcent 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 Xcent or 效度家 have ads?

Neither Xcent nor 效度家 shows ads.

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

Xcent ships an update every 2 weeks, and 效度家 every 2 weeks. Most recently, Xcent was updated on October 4, 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.*