Ernie: Stop Impulse Buys
Save Money, Save Time
Free · Designed for iPad. Not verified for macOS.
See the true cost of every purchase in hours of your life. Skip the impulse buy, watch your savings grow.
**THE PROBLEM**
That $200 purchase isn't just $200.
It's 8 hours of your life you'll never get back.
It's $1,400 you won't have at retirement.
Every impulse buy has two hidden costs: the time you worked to earn it, and the future wealth you'll never see. Ernie shows you both.
**WHAT ERNIE DOES**
Before you buy anything, Ernie reveals the true cost:
1. **Time Cost**: How many hours you'd have to work
2. **Opportunity Cost**: What that money could become if invested until retirement
That $50 coffee maker? 2 hours of work today, or $350 in your retirement account.
Suddenly, "I can afford it" becomes "Is it worth it?"
**HOW IT WORKS**
1. Tell us your hourly rate, birthday, and when you want to retire
2. Enter the price of something you're tempted to buy
3. See both costs: hours of work AND lost retirement growth
4. Decide: buy it, skip it, or save it for later
Ernie does the math. You make better choices.
**THE DUAL COST CALCULATION**
Most apps show you one number. Ernie shows you two:
**Time Cost** = Price / Your Hourly Rate
"This costs 8 hours of your life"
**Opportunity Cost** = Price invested at 7% until retirement
"This could be $1,400 when you retire"
When you see both numbers together, impulse purchases lose their power.
**KEY FEATURES**
- Dual Cost Display: See time cost AND retirement opportunity cost
- Personalized Projections: Based on YOUR age and retirement timeline
- Investment Growth Charts: Watch how your savings compound over time
- Maybe Later List: Save items to reconsider when the impulse fades
- Smart Reminders: Get notified to reconsider saved items
- Savings Dashboard: Track items skipped, hours saved, and future wealth gained
**WHY IT WORKS**
$200 feels affordable.
8 hours of work makes you pause.
$1,400 in lost retirement savings makes you walk away.
That's the power of seeing both costs.
**YOUR FUTURE SELF WILL THANK YOU**
Every impulse you skip becomes:
- Hours you didn't spend working for stuff you don't need
- Money that compounds for decades
- Real progress toward retirement, a home, or financial freedom
Skip 3 impulse buys a month. In 30 years, that's over $100,000 in retirement wealth.
**PRIVACY FIRST**
Your income, age, and financial goals stay on your device. No accounts. No data selling. No ads. Just you and your future.
**QUICK SETUP**
Enter your birthday, retirement goal, and income (hourly, salary, or paycheck - we'll calculate the rest). Setup takes 2 minutes. The impact lasts a lifetime.
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Download Ernie. See what you're really giving up.
Ratings & Reviews
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The developer, Luis Roberto Rampolla Martinez, 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 Linked to You
The following data may be collected and linked to your identity:
- Identifiers
- Usage Data
- Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Luis Roberto Rampolla Martinez
- Size
- 40.2 MB
- Category
- Finance
- Compatibility
Requires iOS 15.1 or later.
- iPhone
Requires iOS 15.1 or later. - iPad
Requires iPadOS 15.1 or later. - iPod touch
Requires iOS 15.1 or later. - Mac
Requires macOS 12.0 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
- © 2026 Luis Rampolla