Comparison

M vs Savings Goal

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

Head to head
About

M

Features
Read full description

Take control of your money with a lock savings app designed to help you build strong saving habits. This app works like a digital piggy bank. You lock your funds for a chosen period, and withdrawals are not allowed until the lock date is reached. This helps you stay disciplined and committed to your financial goals. You can save individually or as a group. Create a savings group, invite members, and contribute together toward shared goals. Group members can view each other’s contributions, promoting transparency and accountability. The app also allows transfers between savings accounts, making it easy to send funds from your savings to another member’s savings account when needed. Key Features: • Lock your savings until a selected date • Save individually or with a group • Create and manage savings groups • View group members’ contributions • Transfer funds between members’ savings accounts • Simple, focused, and easy to use Whether you’re saving alone or with friends, this app helps you stay committed and organized on your savings journey.

About

Savings Goal

This app helps you achieve your financial aspirations by breaking them down into manageable steps. Set personalized savings targets, track your progress visually, and receive timely reminders to stay motivated. Your financial data remains private and accessible offline.

Highlights
  • Set unlimited savings goals
  • Multi-currency support
  • Customizable deposit cadence
  • Smart reminders
  • Biometric lock for privacy
  • 100% offline functionality
  • CSV export of transaction history
Features
Read full description

Eos turns your savings goals into simple, visible habits. Set a goal - travel, purchase, project, emergency fund - pick a pace that fits you, drop deposits as you go. Eos handles the rest: progress tracking, reminders, streak count, clear stats. GOALS THAT FIT YOU Create as many goals as you want. Each has its name, target amount, currency, and deadline. A progress ring shows where you stand at a glance, no spreadsheet to decode. QUICK DEPOSITS Add an amount to a goal in two taps. Withdraw if needed. Every transaction is logged in a full, editable history. MULTI-CURRENCY Each goal keeps its own currency. Saving for a Tokyo trip in yen and a home down payment in dollars? No forced conversion, no exchange rates messing with your tracking. Each target stays in its own money. CADENCE & STREAK Pick your rhythm: daily, weekly, or monthly. Eos counts the consecutive periods where you stuck to it. The current period is always a grace period, no pressure, just motivation. SMART REMINDERS Get a notification at the right moment, at your chosen frequency. No spam, no useless pings. You decide when Eos talks to you. CLEAR STATS Visualize your deposits by month and by goal. A simple overview to understand where your savings effort goes. BIOMETRIC LOCK Enable Face ID or Touch ID to protect access to the app. Your financial data stays private even when you hand your iPhone to someone. 100% OFFLINE No account to create. No connection needed. All your data stays on your iPhone. No third-party trackers, no advertising, no behavioral analytics. CSV EXPORT Export your full deposit history as CSV for Excel, Numbers, or Google Sheets. Your data belongs to you, take it wherever you want. REFINED DESIGN A clean interface, careful typography, fluid animations. Eos is built to make you want to open the app, not to crush you under numbers. WHY EOS Most personal finance apps try to do everything: budgeting, expenses, investments, retirement. Eos does one thing well: help you reach your savings goals, one deposit at a time. No ads. No banners. No spam. Just you, your goals, and a tool to reach them. PREMIUM SUBSCRIPTION Core features are free. The Premium subscription unlocks unlimited goals, advanced stats, and premium themes. The Lifetime purchase also enables CSV export. Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your Apple ID account settings. Terms of use https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

M4 screens
Savings Goal4 screens

Verdict

The call

The clearest difference is in-app purchases: M at none against Savings Goal's 2. M also leads on update cadence (every 2 weeks vs every 2 months). On price, ads, device support and iOS requirement 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. Savings Goal sells 2 in-app purchases, starting at $9.99 per year. M asks for nothing beyond the download.

UpkeepUpdate frequency

M ships an update every 2 weeks, Savings Goal every 2 months. Both last shipped on October 31, 2026.

Scorecard2 real differences · 7 level
M versus Savings Goal: the parameters behind the verdict, then further details
ParameterMSavings Goal
PriceFreeFree
Rating—5.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyEvery 2 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Freemium
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.6
Further details — not scored
Size25 MB54 MB
Age rating4+4+
DeveloperKevin KenduiwaSPLURB

In-app purchases

None

M

No in-app purchases

2 purchases

Savings Goal

Subscriptions1
  • annual$9.991 Year
One-time1
  • Lifetime$17.99

Questions

Is M free?
M is free to download, with no in-app purchases.
Is Savings Goal free?
Savings Goal is free to download, with in-app purchases available.
Do M or Savings Goal have ads?
Neither M nor Savings Goal shows ads.
Which is updated more often, M or Savings Goal?
M ships an update every 2 weeks, and Savings Goal every 2 months. Most recently, M was updated on October 31, 2026 and Savings Goal on October 31, 2026.

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