SavingMan

Build a clear CD ladder without keeping maturity dates in a spreadsheet. SavingMan records each certificate of deposit or term deposit with its exact balance, bank, annual rate, opening date, maturity date, and reminder schedule.

See upcoming principal and interest across the next 12 months. Color-coded maturity status and local reminders help you prepare before a CD renews or matures. Annual and semiannual interest-payment schedules are supported for savings bonds, CDs, and other fixed-income deposits. SavingMan shows each estimated payment date and amount, including calendar-aware month-end and leap-year handling. Interest-payment notifications can be controlled per deposit without affecting maturity reminders.

Reminders stay dependable as your CD ladder grows. SavingMan schedules the nearest maturity and interest dates first, fills later reminders as capacity becomes available, and checks the plan again after you reopen the app or restore notification permission. One chosen alert time applies consistently to both principal maturity and periodic interest.

When a bank quotes APY, switch the deposit to APY calculation instead of converting it to a simple annual rate. SavingMan uses actual term days—including leap days—to estimate compounded interest at maturity for 3-month, 6-month, and custom-term CDs. APY mode is limited to interest paid at maturity so interim payouts are not mistaken for compounding.

Your core deposit records work offline and stay on your device. JSON backup and restore are free. Saving Man Pro adds CSV import and export, the full Earnings Center, and optional private iCloud sync across iPhone and Mac.

Start a 30-day Pro trial with no automatic renewal or charge. Existing records remain available after the trial.

SavingMan is a personal record and reminder tool. It does not connect to bank accounts, provide financial advice, or replace bank services.