SaveSpend3
Approximate saving or spending
Free · Designed for iPad. Not verified for macOS.
Helpful to plan and budget your money, SaveSpend3 calculates Savings, or Social Security Accumulation vs filing age, or Spending over time. Earnings/interest, inflation, and taxes are included in the calculations as appropriate. Monte Carlo random variation can optionally be applied to earnings/interest and/or inflation and averaged over multiple runs. Results can be viewed in a table or as a chart.
Separate tabs are provided to calculate Save, SSAccumulate, and Spend.
Save can easily calculate the growth effects of compound interest rates and yearly taxes and on your regular monthly savings. Compounding frequencies of daily, monthly, quarterly, semiannually, or annually can be selected in the Settings.
SSAccumulate similarly calculates compound growth but also takes into account inflation COLA adjustments to the SS amounts. The default 3 filing ages of 62, 66, and 70 can be adjusted by the user in the Settings.
Spend will calculate the remaining balance year after year given an initial principal amount and initial withdrawal amount per year. You can budget how long your money will last given its earnings rate per year and the inflation rate per year.
This is minimalist by design with no ads, no in-app purchases, no pro buy-up version, no data collection or profiling, no bells and whistles, and no fancy moving graphics to distract you, just numbers.
Note: Financial entertainment value only, fun playing with numbers. This uses simple yearly compounding, assumes constant interest, earnings, inflation, and taxes, and should NOT be used for accurate predictions.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
- Added Monte Carlo random variations can optionally be applied for earnings/interest and/or inflation and averaged over multiple runs.
- Added the ability to save results output to an external file.
- The Save amount can now have a percentage increase applied each year.
- The initial screen to select version V1 or V2 or V3 is gone, and V3 is the automatic default. V1 and V2 are now only selectable in Settings.
- Updated Help text.
- Bug fixes and UI and performance improvements.
The developer, 29Apps LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- 29Apps LLC
- Size
- 2.3 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - iPad
Requires iPadOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © Copyright 2024-2026 29Apps LLC, All rights reserved