TrackSmart vs Compound Interest

Your money, your finances and nobody else's business. TrackSmart is the budgeting app that never asks for your bank login. No account linking, no third-party data brokers, no servers holding your financial life. Your financial data stays on your device and in your own private iCloud. PRIVATE BY ARCHITECTURE, NOT BY PROMISE • No bank credentials required — ever • No account, no email, no sign-up • Your financial data lives on-device and in your private iCloud • On-device AI: your transactions are never sent to the cloud SEE YOUR WHOLE NET WORTH Track everything you own and owe in one place. Add assets and liabilities, log account values over time, and watch your net worth trend — alongside a beautifully redesigned account view with balance history, top categories, and credit-utilization at a glance. • Net-worth tracking with valuation history • Redesigned account detail — balances, statistics, and trends ON-DEVICE AI THAT UNDERSTANDS YOUR MONEY Powered by Apple Intelligence, TrackSmart generates plain-language summaries of your spending — what changed, what's unusual, and what deserves your attention — entirely on your device. • AI spending summaries generated locally, never in the cloud (AI summaries require a device with Apple Intelligence.) INSIGHTS DEEPER THAN A PIE CHART • Cash-flow forecast — see where you're headed, not just where you've been • Money Flow view — exactly where every dollar goes, income in to spending out • Spending breakdowns by category, merchant, and trend • Automatic subscription detection — catch the charges you forgot about • Unusual-spending alerts before they become a habit BUDGETS & GOALS THAT STICK • Monthly and category budgets with clear progress • Savings goals you can actually watch grow • Recurring transactions and smart categorization rules IMPORT WITHOUT LINKING • Import transactions straight from PDF statements — no Plaid, no bank connection • Export polished PDF reports for taxes or your own records LIVES ON YOUR HOME SCREEN Five widgets — Spending Summary, Budget Progress, Cash Flow, Net Worth, and Quick Add — keep your money one glance away. AVAILABLE IN ENGLISH AND SPANISH TrackSmart is fully localized — every screen, every insight, in both languages. START FREE Track multiple accounts, budgets, goals, and tags at no cost. Upgrade to Pro for unlimited everything, advanced insights, PDF import/export, and on-device AI spending summaries. Not sure yet? Turn on Demo Mode in Settings to explore the entire app with realistic sample data — no signup, and your own data stays untouched. No bank login. No data brokers. No catch. Just your money, finally private.

See exactly what time and steady deposits do to your money. Enter a starting amount, a rate, a monthly deposit and the years you are willing to wait — the future value and a full growth chart redraw the instant you change any assumption. Most calculators stop at one number. This one runs an exact month-by-month simulation in decimal arithmetic: interest credited annually, semi-annually, quarterly or monthly; deposits at the start or end of the month; nominal rate and effective annual rate (APY) stated separately instead of quietly conflated; even negative rates handled without breaking. Then it lets you save each projection as a named scenario and lay two of them over each other on one chart. WHAT YOU GET • Your future balance in three honest numbers — final value, what you put in, and the interest time added — recalculated the instant you move a slider • A growth chart that separates your own deposits from compound growth, so you can spot the year interest starts outworking your paycheck • The real answer to "does monthly compounding matter?" — nominal rate and effective APY shown side by side on every projection • An "in today's money" toggle that restates your 30-year balance using your own inflation assumption — never a forecast we invented for you • Saved scenarios with names and colours — house deposit at 4.5%, index fund at 7% — each reopening exactly as you left it • Side-by-side comparison: two growth curves overlaid on one chart, with final balance, deposits and interest lined up underneath PERFECT FOR • Savers deciding whether the high-yield account or the index fund wins over the next 15 years • Parents starting a college fund who want to see what 150 a month actually becomes by graduation • Anyone negotiating with their future self — one more year of deposits, one chart to prove what it buys • Students learning why a 7% nominal rate is not a 7% effective rate, with numbers they chose themselves WHY NOT JUST A SPREADSHEET? A spreadsheet makes you build the formula yourself, and one wrong cell compounds the error — literally — over 600 monthly rows. This app simulates every month in exact decimal arithmetic, lands interest precisely on compounding boundaries, and reproduces the textbook formulas to the cent. You move a slider; it does the maths. PRIVATE BY DEFAULT Everything runs on your device. No account, no sign-up, and your numbers are never uploaded anywhere. Amounts display in your own currency and your keyboard's own decimal separator just works. FULL ACCESS Full Access unlocks unlimited saved scenarios and side-by-side scenario comparison. It is offered as an auto-renewing Weekly or Yearly subscription, or a one-time Lifetime purchase. Prices are shown in the app before you commit; subscriptions renew unless cancelled at least 24 hours before the current period ends and can be managed in your App Store account settings. Download Compound Interest Calculator and find out what your monthly deposit is really worth ten years from now. Terms of Use: https://leanstudio.asia/terms-of-use Privacy Policy: https://leanstudio.asia/privacy-policy Support: support@leanstudio.asia