SavingMan vs Financial Calculator Suite

Have CDs at more than one bank? Keep maturity dates and interest payments together in SavingMan, so you can see what is due next without checking each record separately. Manually record CDs, term deposits and fixed-rate bonds with defined maturities, estimate contractual interest, and keep withdrawal and renewal history. Start free with up to 10 active contracts, basic reminders and complete JSON backup. Free iPhone and iPad widgets show upcoming dates. Pro adds unlimited records, private iCloud sync across iPhone, iPad and Mac, and the full Earnings Center for planning principal and interest cash flow, plus CSV, calendar tools and optional tax estimates. Pro is a one-time purchase with no subscription. A 30-day free trial does not automatically renew or charge you. • 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. • A quick glance from your Home Screen: Free iPhone and iPad widgets show upcoming principal maturities and interest payment dates with countdowns. Tap to open the matching deposit. Small widgets show one event; medium widgets show three. Add SavingMan through the Home Screen widget gallery. Names and amounts are hidden by default and optional in app Settings; Privacy Lock keeps them hidden. The system controls widget refresh timing; opening the app updates its data.

Financial Calculator Suite is your all-in-one financial toolkit for iOS. Calculate mortgages, auto loans, credit card APR payoffs, 401(k) retirement growth, mutual fund SIPs, stock options, and 160+ world currencies instantly. Built natively with SwiftUI and Swift Charts. Zero sign-up, works offline, zero ad tracking. 39 COMPREHENSIVE FINANCIAL TOOLS LOANS & CREDIT CALCULATORS - Mortgage Calculator: P&I, property tax, insurance, PMI & HOA. - Auto Loan Calculator: Monthly payment, trade-in value & sales tax. - Car Lease Calculator: Depreciation, money factor (APR) & residual. - Credit Card APR & Payoff: Payoff timeline & min payment trap comparison. - 0% Balance Transfer: Transfer fee costs & net interest savings. - Loan Comparison: Side-by-side comparison of 2 loans. - Mortgage Refinance: Monthly savings & closing cost break-even. - Interest-Only Loan: Compare promo interest-only vs. amortized payments. - Loan Affordability: Max loan budget based on income & DTI. - Amortization Schedule: Payment-by-payment principal & interest charts. - Extra Payment Calculator: Interest saved & time cut off loan. - Student Loan Repayment: Standard vs. Income-Driven Repayment (IDR). - True Mortgage APR: True APR factoring points & closing fees. RETIREMENT & SAVINGS - Retirement & 401(k) Planner: Nest egg growth, employer match & withdrawals. - SIP (Systematic Investment Plan): Long-term wealth creation. - Inflation Impact Calculator: Future purchasing power & cost of living. - Emergency Fund Planner: 3-to-12 month expense reserves. - CD / Fixed Deposit: Maturity value, APY yield & interest growth. - Paycheck Tax Estimator: Take-home pay after tax & 401(k) deductions. INVESTMENT & YIELD - Simple & Compound Interest: Daily, monthly, quarterly & annual compounding. - Rental Property Yield: Gross yield, net yield & Cap Rate. - Bond Yield & Duration: Current yield, YTM & duration. - Return on Investment (ROI): Total return & annualized ROI. - Net Present Value (NPV): Discounted cash flow analysis. - Present Value (PV): Current worth of future lump sum cash flows. - TVM Solver (HP-12C Style): Solve for unknown N, I/YR, PV, PMT, FV. - Internal Rate of Return (IRR): IRR for cash flow series. - Live Currency Converter: Convert 160+ world currencies offline. BUSINESS, TRADING & PERSONAL - Tip & Split Bill: Custom tip % & equal per-person splits. - Break-Even Analysis: Sales volume & revenue to break even. - Rule of 72: Years or rate needed to double investment. - Discount & Sales Tax: Final price after discounts & sales tax. - Asset Depreciation: Straight-Line, Declining Balance & SYD. - Margin & Markup: Gross profit, margin %, and markup %. - Stock Option Pricing: Black-Scholes Call/Put values & Greeks. - Crypto & Trading P&L: Trade profit/loss, ROE & liquidation. KEY FEATURES - 100% Privacy Focused: Zero sign-up, zero ad tracking. - Multi-Currency Support: Switch currency symbols (USD, EUR, GBP, NPR, INR, JPY, CAD, AUD) across all tools. - Interactive Swift Charts: Visual pie charts & growth curves. - History & Sharing: Save calculations locally via SwiftData & share reports. - Fast & Native: Built with SwiftUI for instant offline calculations.