NPV Analytics vs Wallos

Make smarter investment decisions – with professional net present value analysis right on your iPhone and iPad. NPV Analytics calculates the Net Present Value (NPV), Internal Rate of Return (IRR), and break-even point of your investment projects. Whether it's real estate, a business idea, or a capital project – instantly see if an investment is worth it. What NPV Analytics does: • Net Present Value (NPV) calculation with adjustable discount rate • Internal Rate of Return (IRR) – automatically computed • Break-even analysis – when does your investment pay off? • Sensitivity analysis – how does your NPV react to changes in discount rate, investment, and cashflows? • Inflation analysis – nominal vs. real NPV • Debt financing with amortization schedule • Tax analysis with depreciation • Multiple cost centers per project with individual cashflows • Annual change rates for increasing or decreasing cashflows • 6 languages: English, German, French, Danish, Italian, Spanish • All major currencies – number format adapts automatically to your region Who is it for? Perfect for entrepreneurs, investors, real estate buyers, business students, and anyone facing a financial decision. No spreadsheet needed – your analysis is ready in seconds. All calculations run locally on your device. No data is sent to any server. Support & more information Imprint: https://npv-analytics.nordicdatahub.de/en/ Apple Customer Privacy Policy: https://www.apple.com/legal/privacy/ App Privacy Policy: https://npv-analytics.de/en/privacy-app.html Note: This app is for informational purposes only and does not replace professional financial or tax advice.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Subscriptions piling up, bills catching you off guard? Netflix, Spotify, iCloud+, ChatGPT Plus... The average person manages 5-10 subscriptions, but do you really know how much you're spending each month? Forgotten free trials, multi-currency confusion, scattered billing receipts — Wallos solves all of this. Core Features Smart Dashboard Instant overview: monthly total spend, upcoming bills, daily average. Beautiful glassmorphic design makes financial data crystal clear. Full-Cycle Tracking Supports monthly, yearly, weekly, daily billing. Auto-calculates next charge date and marks it on your calendar. Never miss a trial cancellation deadline again. Real-Time Multi-Currency Subscribe to US Apple Music (USD), UK ChatGPT (GBP), JP Nintendo (JPY)? Auto-fetches exchange rates and converts everything to your base currency for true cost visibility. Visual Analytics • Yearly trend chart - Spot your most expensive months instantly • Category pie chart - Entertainment, productivity, cloud storage at a glance • Top 5 ranking - Find your biggest subscription spenders • Price history - Netflix went from $9.99 to $15.99? Track every increase Home Screen Widgets Two beautiful iOS widgets: upcoming bills reminder + real-time stats. Control everything without opening the app. Pro Edition • iCloud Sync - Real-time sync across iPhone, iPad, Mac. Zero worries when switching devices • Unlimited Subscriptions - Free version limited to 5, Pro has no limits • App Lock - Face ID / Touch ID protects your financial privacy • CSV Export - One-tap backup or Excel analysis • Advanced Analytics - Custom date ranges, category comparisons, spending forecasts Refined Design Modern glassmorphism style, silky 60fps animations, perfect dark/light mode adaptation. Every pixel polished. Subscription management is no longer tedious — it's visually delightful. Privacy First • All data stored locally (SwiftData) • Optional end-to-end encrypted iCloud sync • Zero data collection, no ads, no tracking • Biometric app lock (Pro) Your financial data is yours alone. Real Scenarios Student Saves Money: Alex discovered he was paying for both Spotify and Apple Music. Canceled one, saved $240/year. Cross-Border Management: Sarah subscribes to US Notion + UK ChatGPT. Wallos auto-converted and revealed she was spending $15/month more than expected. Family Budget: Mrs. Johnson manages 12 family subscriptions. Calendar view gives her a week's advance notice. No more "broke at month-end." Trial Tracking: Tom tracks 7-day trials with Wallos, deciding before auto-conversion every time. No more accidental subscriptions. Why Wallos? Supports all billing cycles & currencies Auto rates + bill calculation + price tracking Glassmorphic design + fluid animations Local storage, privacy-first Free version robust, Pro even stronger Download Wallos now. Every dollar visible, every subscription accounted for! SUBSCRIPTION INFORMATION SubscriptionsWallos offers the following subscription options: • Monthly Pro - Auto-renewable subscription (1 month) • Yearly Pro - Auto-renewable subscription (1 year) • Lifetime Pro - One-time purchase for permanent access Subscription Details: • Payment will be charged to your Apple ID account at confirmation of purchase • Subscription automatically renews unless canceled at least 24 hours before the end of the current period • Your account will be charged for renewal within 24 hours prior to the end of the current period • You can manage and cancel subscriptions in your Account Settings after purchase • Any unused portion of a free trial period will be forfeited when purchasing a subscription LEGAL INFORMATION Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ By downloading and using this app, you agree to our Terms of Use and Privacy Policy.