SavingMan vs Maturity Ledger

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.

Maturity Ledger helps you manage fixed-term assets, calculate interest, and stay on top of maturity dates. It supports term deposits, large-denomination CDs, savings bonds, structured deposits, and more. Keep principal, interest rates, and maturity dates in one place. Automatically calculate simple interest, compound interest, and annualized returns, review upcoming cash flows, and receive reminders before your assets mature. No bank connection is required. You can keep track of personal and family deposits while retaining full control of your data. 【Manage Every Deposit in One Place】 • Record principal, interest rate, interest start date, maturity date, interest payout schedule, financial institution, currency, holder, and more. • Import photos or PDFs of deposit certificates. Maturity Ledger processes them entirely on your device and helps fill in the details, reducing manual entry. 【Understand Interest and Actual Returns】 • Calculate simple interest, compound interest, and periodic interest payments. View daily accrued interest, projected cash flows, and interest at maturity. • Additional benefits such as interest bonuses, cashback, reward points, and estimated gift values can also be included. Compare the actual performance of different assets using overall annualized return and XIRR. 【Get Reminded Before Maturity】 • Use the maturity calendar and local notifications to keep track of assets approaching maturity. • After an asset matures, record the maturity outcome, confirm that the funds have been received, or quickly create a renewal based on the original entry. This gives every asset a complete history. 【Plan Upcoming Cash Flows】 • The dashboard shows current principal, total accrued interest, upcoming maturities, and currency allocation. • Reports provide a clear view of upcoming cash flows, projected and actual returns, term distribution, sources of return, and maturity outcomes, helping you plan ahead. 【Manage Family and Multi-Currency Assets】 • Organize family deposits by holder, record assets in different currencies, and convert them using reference exchange rates. • View the overall distribution of personal and family deposits in a single ledger. 【Privacy First — Your Data Stays Under Your Control】 • No account registration required • No connection to bank accounts • Photos and PDFs are processed entirely on your device • Optional iCloud data sync • Amount masking, privacy protection in the app switcher, and Face ID or device passcode lock • CSV export, JSON backup, and restore The free version supports up to 5 active holdings, 1 holder, and basic maturity reminders. Upgrade to Pro to unlock unlimited holdings, multiple family members, multiple reminder schedules, and full analytics and reports. 【Important Information】 • Maturity Ledger is intended solely for personal record-keeping, calculations, and reminders. It does not provide banking or transaction services, nor does it recommend or sell financial products. • Returns, exchange rates, and other calculated results are estimates. Actual amounts are subject to the product agreement and final settlement by the relevant financial institution. • Nothing in this app constitutes investment, tax, legal, or insurance advice. Privacy Policy: https://wwmmkk.github.io/Maturity-Ledger/Privacy%20Policy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/