# 效度家 vs Retirement Planing

The clearest difference is monetization model: 效度家 at freemium against Retirement Planing's paid. Retirement Planing's advantage is iOS requirement (16.0 vs 18.0). On price, review sentiment, update cadence and ads there is nothing between them.

Both are free to download. 效度家 sells 1 in-app purchase, starting at $9.99 per year and Retirement Planing sells 1 one-off in-app purchase. 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 12, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | 效度家 | Retirement Planing |
| --- | --- | --- |
| 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 | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | **Freemium** | Paid |
| Size | 26 MB | 4 MB |
| Requires iOS | 18.0 | **16.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [南京星语恒创科技有限公司](https://appshunter.io/developer/1873860301) | [Libing Deng](https://appshunter.io/developer/911273977) |

## What reviewers say

### 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 |


### Retirement Planing

[App page](https://appshunter.io/ios/app/retirement-planing/id6761031181)

This app helps you plan for retirement by estimating your target assets, current savings gap, and required monthly savings. Track your progress over time and receive reminders to keep your plan updated.

**Highlights:** Estimate retirement target assets, Track current funding gap, Monitor monthly savings pace, View plan details and milestones, Receive annual review reminders, Store financial data locally

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Retired VIP | $3.99 | one-time |


## Frequently asked questions

### Is 效度家 free?

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

### Is Retirement Planing free?

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

### Do 效度家 or Retirement Planing have ads?

Neither 效度家 nor Retirement Planing shows ads.

### Which is updated more often, 效度家 or Retirement Planing?

效度家 ships an update every 2 weeks, and Retirement Planing every 2 weeks. Most recently, 效度家 was updated on October 12, 2026 and Retirement Planing on October 14, 2026.

---

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