Later Money: Savings Tracker

Later Money is a private savings tracker built on two simple ideas: know your real savings rate, and see what any purchase truly costs your future self. Everything stays on your phone. SAVINGS RATE, IN REAL DOLLARS Set your income and a target savings rate, and Later Money shows what that means in real dollars per month — then tracks what you've actually put away against it. No red states, no scolding. It tells you what you'd need to contribute to stay on track and leaves the conclusion to you. TRUE COST OF OWNERSHIP Every purchase is shown as the retirement money it really costs. A $2,000 laptop decades from retirement isn't $2,000 — it's thousands in foregone retirement, in today's dollars. See the trade-off before you spend. GOALS IN BETWEEN Track the things you're saving for, each with a progress bar, a required monthly pace, and its true cost spelled out. MORE - Retirement and goal buckets with optional recurring contributions - All projections in today's (inflation-adjusted) dollars, labeled as estimates - Home-screen widgets for your savings rate and each goal - One gentle monthly check-in — a confirmation, not data entry PRIVATE BY DESIGN Everything stays on your device. No accounts, no bank logins, no tracking, nothing ever leaving your phone. HONEST NUMBERS, NEVER ADVICE Later Money shows estimates to help you think. It is not financial, investment, or tax advice. Later Money is a subscription with a 7-day free trial, then $2.99/month or $14.99/year. Payment is charged to your Apple ID at confirmation of purchase. The subscription auto-renews unless canceled at least 24 hours before the end of the current period; manage or cancel anytime in your App Store account settings. Terms of Use (Apple Standard EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://matheuskiser.github.io/later-money/privacy