# iSpend vs 效度家

The clearest difference is in-app purchases: iSpend at none against 效度家's 1. On price and iOS requirement there is nothing between them.

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

## The numbers

| Metric | iSpend | 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 |
| Update frequency | — | Every 2 weeks |
| Monetization | — | Freemium |
| Size | 4 MB | 26 MB |
| Requires iOS | **17** | 18.0 |
| Devices | — | **iPhone** |
| Age rating | 4+ | 4+ |
| Developer | [东严 陈](https://appshunter.io/developer/453662001) | [南京星语恒创科技有限公司](https://appshunter.io/developer/1873860301) |

## What reviewers say

### iSpend

[App page](https://appshunter.io/ios/app/ispend-smart-expense-tracker/id6758514814)

**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 iSpend free?

iSpend 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.

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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.*