效度家 vs FreeGrid

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

Most money apps tell you how much you spent. FreeGrid shows you what it cost. It turns your available funds and how fast you spend into one number you can see every day — Freedom Days: if you stopped earning today, how many days your money would let you live freely. The number comes straight from what you record. The longer you track, the more accurate it gets. No goals to set up front. Three ideas behind it: • See the cost: big purchases are spread into your daily average, so every decision shows its real weight. • Think long term: the longer you track, the less any single purchase swings the number. Start early, and big purchases later feel easier. • Earn more, spend wisely: every bit of income and every expense you skip lights up new squares on your grid. — What a new computer really costs — After a month of tracking, you spend 30 a day and have 10,000 in available funds: FreeGrid says you have 333 Freedom Days. Now you want a 6,000 computer. Other apps show your balance dropping by 6,000. FreeGrid spreads the cost into your daily average and shows the harder truth: Daily cost 30 → 96.7 Freedom Days 333 → 41 In your first three months, a large expense is spread over 90 days, so one purchase won't multiply your daily average. You can also run the purchase through Simulate before you buy. FreeGrid isn't telling you not to spend — it helps you spend with your eyes open. — Bills — Set rent, utilities and subscriptions as bills. They come out of your cash on their due date, and Freedom Days follow the calendar, so rent day no longer makes the number plunge. — Widgets — Put your Freedom Days on the Home Screen and Lock Screen, and see them without opening the app. — FreeGrid Pro (one-time in-app purchase, not a subscription) — These features need FreeGrid Pro. You can try it free for 7 days: • Your own expense categories • Split assets and cash into sub-accounts, and choose which count toward Freedom Days • The Money & Time view of your assets • Loans and installments, counted by their repayment schedule • Export and share your Freedom Card • Goals of your own: how many Freedom Days you want, compared directly with the days you have • Freedom Dashboard and My goal widgets Tracking, bills, Freedom Days, the grid, Simulate, the Freedom Days widget, and backup and restore are all free. Available in English and Chinese. Your records stay on your device; purchases and restores go through Apple.