# Later Money: Savings Tracker — Savings rate & goals tracker

> Savings rate & goals tracker (iPhone/iPad app by Matheus Iser.)

- Source: https://appshunter.io/ios/app/later-money-savings-tracker/id6807197163 (this page in markdown: same URL + `.md`)
- Developer: [Matheus Iser](https://appshunter.io/developer/6807197165)
- Category: Finance, Education
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings
- Age rating: 4+
- Requires: iOS 15.0 · 39 MB
- Languages: American English
- Released: 2026-09-16
- Data updated: 2026-10-24

## What is Later Money?

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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Later Money Monthly Subscription | $2.99 | per month |
| Later Money Early Subscription | $14.99 | per year |


## Is Later Money safe?

Not enough ratings yet to assess Later Money.

## Is Later Money legit?

Later Money: Savings Tracker has limited verification signals. The AppsHunter Legitimacy Score for Later Money is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 3 releases)

### 1.0.2 — 2026-09-18

Routine bug fixes and performance optimization.

### 1.0.1 — 2026-09-17

Dollar amount format fixes and adds in-app review popup

### 1.0.0 — 2026-09-16

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-24.*