SavingMan vs 3s Kakeibo

Keep term deposits, CDs, and fixed-rate bonds with defined maturities together in SavingMan. Track maturity dates and interest payment schedules, estimate contractual interest, and keep a record of withdrawals and renewals. Organize your CD ladder and eligible fixed-rate Treasury holdings privately on iPhone and Mac. • Complete records: Keep principal, currency, bank, rate or APY, term, deposit and maturity dates, interest schedule, family member, and notes together, with exact large-amount display. • Maturity and interest reminders: Track interest paid at maturity, monthly, quarterly, semiannually, or annually. Control interest reminders separately, then snooze a notification or open the matching record. • Clear earnings: Review estimated interest and the next 12 months of principal and interest cash flow. Optional interest-tax estimates separate pre-tax interest, estimated tax, and after-tax interest. Multi-currency summaries can use ECB reference rates. • Guided withdrawal and renewal: Preview an early or maturity withdrawal before saving it, handle full or partial amounts, and confirm new dates, terms, rates, and interest schedules when the bank changes renewal terms. • Traceable and correctable: Review all disposition history, the contract before each action, and the renewed contract. The latest eligible action can be undone safely inside the app. • Private and recoverable: Core data stays on your device. On Apple platforms, private iCloud sync keeps iPhone and Mac records aligned. Complete JSON backup is free. The macOS app adds a desktop sidebar, search, keyboard workflows, and light or dark appearance. SavingMan Pro unlocks unlimited records, CSV import/export, iCloud, calendar tools, the full Earnings Center, interest-tax estimates, and a separate earnings window. SavingMan does not connect to bank accounts or execute deposits, withdrawals, or investments. Interest, tax, exchange-rate, and withdrawal results are estimates based on your entries; confirm final amounts with the bank, issuer, and applicable local rules.

The number one reason expense trackers fail? You forget to log. 3s Kakeibo shrinks the distance to zero. Log an expense right from where you are — no app launch required: • Home Screen widget: tap a smart preset amount, done (interactive, iOS 17) • Lock Screen widget: see this month's total, tap to log • Action Button & Siri: just say "log with 3s Kakeibo" • Control Center (iOS 18): one swipe, one tap INSIDE THE APP, 3 SECONDS FLAT The keypad is ready the moment the app opens, your last category is pre-selected, and four preset amounts re-order themselves by how often you use them. Mis-tapped? Undo within 10 seconds. NO PAYWALL, NO TRIAL LIMITS • Unlimited history: view and edit every record you ever logged • Monthly reports: category breakdown, month-over-month, daily average • Up to 8 ledgers and custom categories (up to 24) • Full-history CSV export ADS, AND HOW TO REMOVE THEM A banner sits at the bottom of the History and Report tabs — never on the entry, editing or settings screens, and never while the keyboard is up. One optional one-time purchase, "Remove Ads", makes it disappear for good. It unlocks nothing else, because nothing else is locked. PRIVATE BY DESIGN Your records never leave your device. No accounts, no bank linking, and no analytics. The app works fully offline. Figures shown are informational, based on your own records — not financial advice.