Saveplan vs Total Money

Saveplan makes financial planning easy. Whether you're planning early retirement, saving for a major purchase, or just aiming for financial peace of mind, Saveplan gives you the clarity to make smarter decisions today. Saveplan works entirely offline: No accounts, no servers. Your data stays private on your device. PLAN YOUR FINANCIAL FUTURE WITH CONFIDENCE Saveplan isn't a budgeting app; it’s your personal financial flight simulator. We turn complex assets, liabilities, income, and expenses into clear, interactive charts. See how your total wealth evolves year by year, decades ahead. -Visualize Your Entire Journey: From your first investment to your last retirement withdrawal. -Plan for Milestones: Model goals like college savings, down payments, or funding a new business. -Long-Term Clarity: Clear projections help you understand exactly where you're headed. BUILD YOUR NET WORTH Understand your total wealth and financial position at any point in the future. -See the Big Picture: Track all assets (stocks, real estate, retirement funds) and liabilities (mortgages, loans, debt) in one dashboard. -Project Your Net Worth: See a clear graph of your net worth growing (or shrinking) year by year. -Identify Key Milestones: Discover the exact year you're projected to hit $1M, $2M, or any custom target. MASTER YOUR CASH FLOW A healthy net worth is built on positive cash flow. Get a crystal-clear view of how money moves through your life, helping you spot critical trends far in advance. -Track Yearly Totals: Focus on the big picture: total annual income vs. total annual expenses. -Spot Gaps in Advance: Identify future years where expenses might exceed income (e.g., college tuition, sabbaticals) and plan for them now. -Maximize Your Savings Rate: See how reducing an expense or increasing income translates into long-term wealth. -Plan for Irregularity: Model high-income and low-income years for a resilient plan. CREATE AND COMPARE SCENARIOS Explore multiple financial futures side-by-side and choose the optimal path. Test all your "what-if" questions without risk! -"What if I retire 5 years early?" -"What if I switch to a lower-paying job I love?" -"What if I buy an investment property?" -Create, name, and save multiple scenarios. Compare them on a single chart to find the path that best aligns with your life goals. EXPLORE YOUR TIMELINE The detailed Timeline view shows your entire financial evolution, year by year, turning abstract goals into concrete dates. -Annual Granularity: See a detailed breakdown for any specific year in your plan. -Identify Key Dates: Pinpoint the exact year a specific loan is paid off, when your investments cross a certain threshold, or when you reach financial independence. CUSTOMIZE YOUR PLAN Tailor Saveplan to match your unique goals and assumptions for maximum accuracy. -Global Settings: Choose currency and set a forecast range from 20 to 90 years. -Economic Assumptions: Adjust your baseline assumptions for investment returns and inflation rates. -Granular Control: Model one-time windfalls (inheritance, bonus) or major one-time expenses (wedding, new car). WHO IS SAVEPLAN FOR? -Long-Term Planners: Anyone who cares about their financial future, from 10 to 50+ years from now. -FIRE Aspirants: Those on a journey to Financial Independence, Retire Early. -Couples & Families: Plan for joint goals and see your combined financial future. -The "Financially Anxious": Replace financial fear and uncertainty with a concrete, actionable plan. BEYOND BUDGETING Most apps are budgets (past-focused, tracking every coffee). Saveplan is a simulator (future-focused, concentrating on big-picture decisions like your savings rate and investment strategy). Saveplan requires a monthly or yearly subscription to use. Free trials are available for each subscription option. Your financial future is worth planning for. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Your accounts, expenses and budgets — in one clear app. Total Money brings accounts, income, spending, budgets and reports together in one clear personal finance workspace. Record everyday operations, review previous months and understand your financial position without creating an online account. KEY FEATURES • Keep cash, debit and credit accounts in one place • Record income, expenses and transfers quickly • Work with multiple currencies • Set monthly budgets and income plans • Review cash flow, category progress and detailed reports • Search and filter your operation history • Arrange accounts and categories to suit you • Export your data in CSV format • Import CoinKeeper 2 CSV files when migrating PRIVATE BY DESIGN Your financial data is stored locally on your device. Total Money has no advertising or third-party tracking. Optional iCloud backups are encrypted before they leave the app and are stored in your private iCloud database. Designed for iPhone and iPad.