Comparison

FFCalc vs SpendWatch

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Financial freedom timeline calculation
  • Income and spending input
  • Current savings tracking
  • Projected savings charts
  • Yearly savings tables
  • Interest, tax, and inflation considerations
Features
Read full description

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/

About

SpendWatch

Features
Read full description

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

FFCalc4 screens
SpendWatch3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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.

UpkeepUpdate frequency

FFCalc ships an update monthly, SpendWatch every 3 months. The most recent releases landed on October 13, 2026 and May 14, 2026 respectively.

Scorecard3 real differences · 7 level
FFCalc versus SpendWatch: the parameters behind the verdict, then further details
ParameterFFCalcSpendWatch
PriceFreeFree
Rating4.5 (406 ratings) — better—
Positive reviews47.8% of reviews—
Number of ratings406 — better—
Update frequencyMonthly — betterEvery 3 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS26.016.0 — better
Further details — not scored
Size5 MB52 MB
Age rating4+17+
DeveloperVoglhuberRW 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 more
  • 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 more
  • 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

4 purchases

FFCalc

Subscriptions3
  • Weekly Plan3 Days trial$2.997 Days
  • Monthly$3.991 Month
  • Yearly$8.991 Year
One-time1
  • Lifetime$29.99
None

SpendWatch

No in-app purchases

Questions

Is FFCalc free?
FFCalc is free to download, with in-app purchases available.
Is SpendWatch free?
SpendWatch is free to download, with no in-app purchases.
Do FFCalc or SpendWatch have ads?
Neither FFCalc nor SpendWatch shows ads.
Which is updated more often, FFCalc or SpendWatch?
FFCalc ships an update monthly, and SpendWatch every 3 months. Most recently, FFCalc was updated on October 13, 2026 and SpendWatch on May 14, 2026.

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