# 还款管家 vs 效度家

The clearest difference is in-app purchases: 还款管家 at none against 效度家's 1. 还款管家 also leads on iOS requirement (13.0 vs 18.0). 效度家's advantage is update cadence (every 2 weeks vs every 4 months). On price, ads and device support there is nothing between them.

Both are free to download. 效度家 sells 1 in-app purchase, starting at $9.99 per year. 还款管家 asks for nothing beyond the download.

还款管家 ships an update every 4 months, 效度家 every 2 weeks. The most recent releases landed on October 16, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | 还款管家 | 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 | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 weeks** |
| Monetization | — | Freemium |
| Size | 27 MB | 26 MB |
| Requires iOS | **13.0** | 18.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Beijing Jifeng Technology Small Store](https://appshunter.io/developer/1296718780) | [南京星语恒创科技有限公司](https://appshunter.io/developer/1873860301) |

## What reviewers say

### 还款管家

[App page](https://appshunter.io/ios/app/id6756836394)

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

**In-app purchases:** none


### 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 还款管家 free?

还款管家 is free to download, with no in-app purchases.

### Is 效度家 free?

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

### Do 还款管家 or 效度家 have ads?

Neither 还款管家 nor 效度家 shows ads.

### Which is updated more often, 还款管家 or 效度家?

还款管家 ships an update every 4 months, and 效度家 every 2 weeks. Most recently, 还款管家 was updated on October 16, 2026 and 效度家 on October 12, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*