SavingMan

This update expands SavingMan from maturity reminders into more complete deposit lifecycle management: • More dependable reminders: Principal maturity and periodic-interest reminders now share one repairable queue. On iOS and macOS, snooze for 1 hour, 6 hours, or 1 day, or open the matching record. • Clearer earnings: Add monthly and quarterly interest schedules alongside maturity, semiannual, and annual options. APY, month-end, leap-year, and short final-period calculations are handled more completely. Optional tax estimates show pre-tax interest, estimated tax, and after-tax interest. • Easier withdrawals: A guided flow explains full or partial early and maturity withdrawals, estimated proceeds, possible interest adjustments, fees, and the remaining principal plan. • Flexible renewals: Split the maturity total between withdrawal and renewal. Renewal starts on the old maturity date by default, while new terms, rates, and interest schedules can be entered when bank conditions change. • Traceable history: Review every withdrawal and renewal, the contract before the action, and the new contract. Eligible latest actions can be undone and are clearly marked as reversed. • Safer data management: iCloud and JSON backup retain disposition history and contract snapshots. Cleaning up ended contracts does not delete the current renewed contract, and a backup option appears before permanent deletion. • Better Mac experience: Improved desktop layout, search, keyboard workflows, and light/dark themes. Pro users can open Earnings Center in its own window and summarize currencies using ECB reference rates.