SavingMan

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.