SavingMan

Keep term deposits, CDs, and fixed-rate bonds with defined maturities together in SavingMan. Track maturity dates and interest payment schedules, estimate contractual interest, and keep a record of withdrawals and renewals. Organize your CD ladder and eligible fixed-rate Treasury holdings privately on iPhone and Mac.

• 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.