# SaveSpend3 — Approximate saving or spending

> Approximate saving or spending (iPhone/iPad app by 29Apps LLC.)

- Source: https://appshunter.io/ios/app/savespend3/id6746460033 (this page in markdown: same URL + `.md`)
- Developer: [29Apps LLC](https://appshunter.io/developer/1817021563)
- Category: Finance, Entertainment
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 2 MB
- Languages: English
- Released: 2025-05-29
- Data updated: 2026-07-27
- User reviews in markdown: https://appshunter.io/ios/app/savespend3/id6746460033/reviews.md

## What is SaveSpend3?

Helpful to plan and budget your money, SaveSpend3 calculates Savings, or Social Security Accumulation vs filing age, or Spending over time. Interest, earnings, inflation, and taxes are included in the calculations as appropriate. Results can be viewed in a table or as a chart.

Separate tabs are provided to calculate Save, SSAccumulate, and Spend.

Save can easily calculate the growth effects of compound interest rates and yearly taxes and on your regular monthly savings. Compounding frequencies of daily, monthly, quarterly, semiannually, or annually can be selected in the Settings.

SSAccumulate similarly calculates compound growth but also takes into account inflation COLA adjustments to the SS amounts. The default 3 filing ages of 62, 66, and 70 can be adjusted by the user in the Settings.

Spend will calculate the remaining balance year after year given an initial principal amount and initial withdrawal amount per year. You can budget how long your money will last given its earnings rate per year and the inflation rate per year.

This is minimalist by design with no ads, no in-app purchases, no bells and whistles, and no fancy moving graphics to distract you, just numbers.

Note: Financial entertainment value only, fun playing with numbers. This uses simple yearly compounding, assumes constant interest, earnings, inflation, and taxes, and should NOT be used for accurate predictions.


## Version history (last 5 releases)

### 3.4.1 — 2026-07-26

- The Feedback screen subject and message fields must be non-blank after trimming whitespace.
- The Feedback screen now dismisses the keyboard either when tap blank or text areas or when swipe downwards.
- Save, SSAccumulate, and Spend functions now dismiss the keyboard either when tap blank or text areas or when swipe downwards.
- Added a clear button on the main home screen following the version picker.
- Updated the Copyright date.
- Minor UI improvements.

### 3.4.0 — 2025-12-07

- Added a new Help screen and an icon on the V3 screen. This provides some built-in explanation of the 3 app versions and how to use V3. The Save and SSAccumulate nd Spend tabs are explained, as well as Settings.

### 3.3.101 — 2025-11-07

This minor release has new screenshots reflecting recent updates like the note expander.  No new features.

### 3.3.1 — 2025-10-31

- Minor UI/UX change to put the warning note into a popup dialog revealed by a text link click.  This is required the first time the app is run and optional thereafter.
- Fixed a navigation bug when a version screen was entered multiple times with the remember version option turned on.

### 3.3 — 2025-07-29

- Improves the algorithm for calculating Save (only, not SSAccum nor Spend) results. It introduces compounding frequencies of daily, monthly, quarterly, semiannually, and annually for Save which can be selected in the Settings. The accrued interest for each months contributions are calculated accordingly.
- The Show Code overlay now also closes when screen is tapped outside of the overlay.

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## More apps by 29Apps LLC

- [Random Saying](https://appshunter.io/ios/app/random-saying/id6746695667)
- [TapMe Quickly](https://appshunter.io/ios/app/tapme-quickly/id6746731193)
- [Function Fitter](https://appshunter.io/ios/app/function-fitter/id6748284369)
- [Math Quickly](https://appshunter.io/ios/app/math-quickly/id6748826958)
- [Sunny Brooks](https://appshunter.io/ios/app/sunny-brooks/id6749376915)

All apps by 29Apps LLC: https://appshunter.io/developer/1817021563

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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 2026-07-27.*