Comparison

效度家 vs Trezzi

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

效度家

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
Read full description

掌控您的家庭财务规划 UtilityMax 是一款专业的财务规划应用,专为关注长期财富健康和退休生活的用户打造。通过输入您的税务、资产配置、收入、支出及社保信息,UtilityMax 能为您生成详尽的财务分析报告,帮助您清晰预见未来的财务状况、做出最优的理财决策。 核心功能: 智能税务优化:基于中国个人所得税规则,UtilityMax 可帮助您测算年度个税、识别可用扣除项,并模拟年终奖计税方式、专项附加扣除、个人养老金、税优健康险、公益捐赠等多种合法优化方案。系统将输出预计省税金额、现金流改善效果和可执行建议,让您更清楚地规划收入、扣除和税务安排。 终身财务轨迹图:利用动态迭代规划,直观模拟您从现在到未来的最优消费、储蓄、支出路径和其它财务规划图,让您一眼看清财富增长曲线和潜在的资金缺口和消费可能。 资产配置蒙特卡洛模拟: 采用机构级的风险分析模型,通过成千上万次市场波动模拟,利用蒙特卡洛原理生成您个性化配置的资产组合的收益可能分布,帮助您制定能够经受住市场考验的稳健计划。 社保与养老金分析:深入分析您的社保构成。可视化展示退休后每月预估养老金收入及其详细组成、预测和对比住房公积金的额度组合,帮您选择最优的社保使用策略,确保退休后的稳定现金流。 财务健康概览:全方位的财务体检报告。综合评估您的储蓄率、支出结构和资产配置,提供即时的财务健康打分和改进建议。 直观的数据大屏:通过终身消费、储蓄、预算等多维度图表,清晰呈现每一笔资金的最优流向,让复杂的财务问题变得简单易懂。 为什么选择 UtilityMax? - 采用经济学理论和统计学模型,结合历史数据和强大的算法,给用户提供全面、合理的分析和建议。 - 尊重和保护用户的决策权,只给用户提供个性化的理财建议,不会以任何形式直接管理或使用用户的资金。 - 采用强大的数据加密和保护技术,确保用户的信息和隐私安全。承诺仅将用户数据用作提供个性化理财建议,不在任何非授权范围内使用用户数据。 - 借助多重工具,不断更新模型算法和数据,力求提供最新、最全面、最符合实际的理财建议。 立即下载 UtilityMax,开启您的科学理财之旅,为美好未来保驾护航! 订阅服务说明 效度家年度会员(Utility Max Pro) • 订阅名称:效度家年度会员 • 订阅时长:1年(自动续订) • 订阅价格:¥68/年(约 ¥5.7/月) 隐私政策:http://utmwealth.com/privacy 使用条款:http://utmwealth.com/terms

About

Trezzi

Organize and track personal or family deposits with maturity dates, interest rates, and reminders. This privacy-focused tool offers local storage and iCloud backup, without requiring account registration or bank credentials.

Highlights
  • Deposit record management
  • Multiple holder support
  • Maturity reminders
  • Multi-currency support
  • Earnings overview
  • Local backup and restore
  • iCloud backup
Features
Read full description

Trezzi is a deposit and fixed savings manager designed to help you organize and track your personal or family deposits more clearly. Manage maturity dates, interest rates, currencies, and reminders in a simple and privacy-focused experience. FEATURES • Deposit record management Track banks, amounts, interest rates, terms, and maturity dates • Multiple holders Support for personal, family, or shared deposit management • Maturity reminders Set multiple reminder schedules to avoid missing maturity dates • Multi-currency support Manage deposits in different currencies • Earnings overview View expected returns and deposit summaries • Export and restore Local backup and restore support • iCloud backup Automatic backup through iCloud PRIVACY FIRST Trezzi does not require account registration. Your deposit data is stored locally on your device by default and remains under your control. The app does not require bank account credentials or online banking access. When iCloud backup is enabled, data is synced only through your personal Apple iCloud account. Trezzi is not a banking, investment, or financial trading service. It is a personal deposit tracking and reminder tool. Privacy Policy: https://static.trezzi.top/privacy Terms of Use: https://static.trezzi.top/terms

Screenshots

效度家4 screens
Trezzi4 screens

Verdict

The call

The clearest difference is update cadence: Trezzi at every 6 days against 效度家's every 2 weeks. Trezzi also leads on iOS requirement (16.0 vs 18.0). On price, rating, review sentiment and ratings volume there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. 效度家 sells 1 in-app purchase, starting at $9.99 per year and Trezzi sells 2 in-app purchases, starting at $3.99 per year. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for 效度家 against 5.0 for Trezzi. Both are backed by a comparable volume of ratings — 1 and 1 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

效度家 ships an update every 2 weeks, Trezzi every 6 days. The most recent releases landed on October 12, 2026 and October 6, 2026 respectively.

Scorecard2 real differences · 8 level
效度家 versus Trezzi: the parameters behind the verdict, then further details
Parameter效度家Trezzi
PriceFreeFree
Rating5.0 (1 ratings)5.0 (1 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings11
Update frequencyEvery 2 weeksEvery 6 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFree with in-app purchases
DevicesiPhoneiPhone, iPad — better
Requires iOS18.016.0 — better
Further details — not scored
Size26 MB21 MB
Age rating4+4+
Developer南京星语恒创科技有限公司一伟 郑

Customer experience

效度家

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Trezzi

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

效度家

Subscriptions1
  • 效度家年度会员$9.991 Year
2 purchases

Trezzi

Subscriptions1
  • Trezzi Pro Annual$3.991 Year
One-time1
  • Trezzi Pro Lifetime$7.99

Questions

Is 效度家 free?
效度家 is free to download, with in-app purchases available.
Is Trezzi free?
Trezzi is free to download, with in-app purchases available.
Which has better reviews, 效度家 or Trezzi?
效度家 and Trezzi are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.
Do 效度家 or Trezzi have ads?
Neither 效度家 nor Trezzi shows ads.
Which is updated more often, 效度家 or Trezzi?
效度家 ships an update every 2 weeks, and Trezzi every 6 days. Most recently, 效度家 was updated on October 12, 2026 and Trezzi on October 6, 2026.

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