Unlike other money management app that are overloaded with features, have poor design, and require a subscription fee, Savings 3 is a no-frills money manager.

Savings 3 has a smart design that lets you accomplish everything you need to do financially without unnecessary features. Also, you only need to pay once for Savings 3 to use it forever. A refreshing change from the world of subscription software.

"Savings answers the call for a personal finance app that isn’t intimidating and difficult to use." – AppStorm

• All yours accounts, neatly organized
With Savings, you can pull all of your accounts (checking, credit card, cash, etc.) into a single app, so you always know your net worth and every transaction that comes in and out of your accounts. By entering and categorizing your transactions, you can analyze your spending habit and create a budget to keep your spending under control.

• Connects to your banks
With bank-grade security offered by Visa Inc., Savings can connect to your banks directly so transactions are downloaded automatically. We recommend that you still enter most transactions by hand; on automatic download, these transactions will automatically be cleared. Bank Connect is available in U.S. and Canada, and requires a $2.99/month subscription. You don't need Bank Connect to use Savings effectively.

• Companion iPhone app
Savings 2 for iPhone is an equally powerful finance app that can be used standalone or as a companion to the Mac app, so that you can enter transactions on the go, see charts, etc. To get it, go to

• Super fast transaction entry
We know entering transaction is something you do a lot, so we made it super fast with payee and category autocompletion. We also made it keyboard-friendly so you can enter data super fast.

• Gain financial insight through charts
Savings' "Breakdown chart" shows you where your money is going, by breaking down your expense (and income) by category. The "Trends chart" shows you up and down trends of your money. For example, see the trend of your overall balance to see if you are getting richer or poorer. You can compare multiple trends side-by-side.

• Never forget to pay a bill
Savings' "Scheduled transactions" feature lets you keep track of all of your recurring bills. Set reminders so you never forget to pay them, and when your bills are due, log the payment with a click of the mouse.

• Reconcile accounts
It's easy to reconcile accounts in Savings. Either do it manually by clicking the pending flag besides each transaction, or automatically by importing OFX, QIF or CSV file from your bank. If you use Bank Connect, you don't need to do anything – reconciliation happens automatically.

• Make a budget
The best way to control your spending is with a budget. With Savings, you can create a monthly or annual budget. Just set an estimate on each expense and income category and track your progress. If you are spending too fast, slow down or adjust your budget.

• iCloud sync
Secure iCloud sync ensures your data is always up-to-date on both your Mac and iPhone.

• Beautiful design
We love the beauty and simplicity of the Mac, so we designed a personal finance app that is equally as beautiful and a joy to use as your Mac.

• Your privacy is always protected
Your data is for your eyes only.

• Savings has more tricks up its sleeves...
Instant transaction search, batch edit multiple transactions, multi-currency support, Dark Mode, passcode protection, import data from Quicken and Microsoft Money, and more.

• Helpful support is just one email away
Got questions? Email anytime.

For privacy and terms of use for SavingsApp and the Bank Connect feature, please visit:

What’s New

Version 3.0.12

- Fixed a bug where the "Ends After" setting in scheduled transaction displays improperly.
- Fixed a bug where the "welcome message" for Scheduled does not dismiss properly.

Ratings and Reviews

4.2 out of 5
50 Ratings

50 Ratings

Pondwater2001 ,

Works well, great design, but text lacks adjustment

Good experience with Savings 3 usability, never any errors with information or transactions. The app contains just the right amount of features. I like the trends display a lot. I personally have not used the bank connection. Execellent visual layout -- not your eye-bending spreadsheet grid. The gray text notes line looks great.
Unfortunately, the text cannot be changed in any way. I personally have a hard time seeing the brighter green text and the red is so-so. Font size cannot be changed. Also, the transaction selection is unnecessarily harsh: black-to-white text color reversal with cobalt blue in whole box. Much subtler methods exist. For example, the app highlights each account with a simple gray band -- perfect.
For me, the text color is a deal-breaker and I had to move to another app that gives you great choice on text, but is much less elegant overall. I'd be right back with Savings if text color, size and highlighting could be adjusted.
Four stars for great design, just missing user adjustment on visuals.

Developer Response ,

Hi there, these are good feedback regarding color and design. We will look into fixing it in a future update. Thanks!

Khokomo ,

Great for Budgeting and tracking spending

This is a great App and has been extremely helpful to me in my new efforts to start budgeting my money better. You can label and track your spending so you can see where your money goes and see it in a graph. The visual really helps. You can make a budget for any time length and add various bank accounts and specify what form the money was in e.g. check, cash, card, etc. There is also an option to import transactions directly from your online banking accounts so you dont have so spend a lot of time manually entering everything. I started with the free version and upgraded for a small cost, it was well worth it.

0517FAA ,

Awesome, simple, reliable, & great support!

I am on my 9th year of freedom from the tyrany of trying to understand Quicken. Savings has been a great program for all of those 9 years, keeping my family budget simple, reliable, and accurate. When I've managed to make a mistake, the Savings support team has been quick and friendly to get me back on my way. This company cares about their product and I've gone through a number of upgrades over these 9 years, all of them steps forward. I hope to stay with the program for more than 9 more years!

App Privacy

The developer, Savings 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 Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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