FFCalc vs SpendWatch
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FFCalc
This app helps you determine how long you need to save until financial independence. Input your income, expenses, and current savings to receive personalized retirement timelines. Visual charts and tables illustrate your projected savings growth year by year.
- Financial freedom timeline calculation
- Income and spending input
- Current savings tracking
- Projected savings charts
- Yearly savings tables
- Interest, tax, and inflation considerations
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With the Financial Freedom Calculator - FFCalc you can find out how long you have to save until you are financially free. Just enter some data about income, spendings and your current savings and this app will calculate how long you need to keep this income until you can retire or do whatever you want. You also get nice charts and tables with your available savings for each year. Terms of service: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
SpendWatch
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Isn't tapping a phone or credit card way too easy? Do you ever look at your bank account at the end of the month wondering where all you're money goes? SpendWatch introduces a little friction in the spending process, bringing your finances to the front of mind. Simply create expense categories with an allotted budget, then as you make purchases, log them in the app. With charting and other tools, this app allows you to watch your spending over time. Do you have shared finances with your partner? SpendWatch allows users to link together to enter expenses onto a shared ledger. Now you can track your household budget all in one place. Visit https://spend-watch.com for more information.
Screenshots
Verdict
The clearest difference is in-app purchases: SpendWatch at none against FFCalc's 4. SpendWatch also leads on iOS requirement (16.0 vs 26.0). FFCalc's advantage is update cadence (monthly vs every 3 months). On price, ads and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. FFCalc sells 4 in-app purchases, starting at $2.99 per 7 days. SpendWatch asks for nothing beyond the download.
FFCalc ships an update monthly, SpendWatch every 3 months. The most recent releases landed on October 13, 2026 and May 14, 2026 respectively.
| Parameter | FFCalc | SpendWatch |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (406 ratings) — better | — |
| Positive reviews | 47.8% of reviews | — |
| Number of ratings | 406 — better | — |
| Update frequency | Monthly — better | Every 3 months |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 26.0 | 16.0 — better |
| Further details — not scored | ||
| Size | 5 MB | 52 MB |
| Age rating | 4+ | 17+ |
| Developer | Voglhuber | RW Software Solutions LLC |
Bugs and requests
FFCalc
Reported bugs
7 issues- Inaccurate monthly savings calculation
- Compound interest seems off
- Unclear inflation calculation frequency
- Unclear contribution timing
- Retirement expense calculation incorrect
Show 2 moreShow fewer
- App crashes
- Incorrect results with large numbers/long periods
Requested features
9 requests- Add monthly income support
- Add interest rate inputs
- More clarity on compounding
- Option to add income during retirement
- Add tax cost calculation
Show 4 moreShow fewer
- Add dark mode support
- Option to input monthly savings directly
- Ability to change earn rate during retirement
- Ability to change earn rate before retirement
SpendWatch
Not enough reviews yet to summarise bugs or requests.
In-app purchases
FFCalc
- Weekly Plan3 Days trial$2.997 Days
- Monthly$3.991 Month
- Yearly$8.991 Year
- Lifetime$29.99
SpendWatch
No in-app purchases
Questions
Is FFCalc free?
Is SpendWatch free?
Do FFCalc or SpendWatch have ads?
Which is updated more often, FFCalc or SpendWatch?
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