--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Time Value Calculator" developer_entity: "Gretchen Rushing" bundle_id: "RushingCreative.Time-Value-Calculator" app_store_id: "6759534122" category: "Finance" primary_platform: "ios" primary_monetization: "Paid" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2026-02-27" report_date: "2026-04-05" report_version: "1.0" total_reviews: 0 confidence: "low" confidence_score: 0.1 data_age_days: 93 intelligence_version: 2 nemesis: "Worth It? - Cost in Hours" competitor_count: 11 tags: ["finance", "paid", "mobile app", "app review", "app analysis", "budget-conscious", "individuals,", "couples"] canonical_url: "https://marlvel.ai/apps/rushingcreative-time-value-calculator" license: "CC-BY-NC 4.0" last_verified: "2026-04-18T01:17:51.383Z" --- # Time Value Calculator App Audit > **TL;DR:** Time Value Calculator is a finance app by Gretchen Rushing, available on iOS. > > **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence. > **Key Insight:** Time Value Calculator is a finance app by Gretchen Rushing. ## Metadata & Market Performance - **Publisher:** Gretchen Rushing - **Category:** Finance - **Target Audience:** Budget-conscious individuals, couples managing household finances, and young adults or teens learning financial literacy. - **Platforms:** iOS - **Version Audited:** 1.0 - **Audit Date:** 2026-04-05 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.1/1.0) - **App Store ID (iOS):** 6759534122 - **Bundle ID:** RushingCreative.Time-Value-Calculator - **Data Window:** Analysis based on signals collected up to 2026-04-05 ## Executive Snapshot Time Value Calculator is a niche financial utility that converts purchase prices into work hours to promote mindful spending. It differentiates itself through an after-tax income calculator and family profile support, targeting budget-conscious households and young adults. While currently ranked #82 in Paid Finance, it faces a downward trend in visibility and lacks social proof. ## App DNA (Features & Intent) - **[Differentiator] Time-to-Work Conversion:** Calculates the exact number of work hours and minutes required to afford a purchase based on hourly rates. - **[Differentiator] After-Tax Calculator:** Determines the true take-home hourly rate from a paycheck for more accurate financial planning. - **[Differentiator] Family Profiles:** Allows tracking of separate income rates for multiple earners within a household. * *User Intent:* Users seek enhanced value through premium features. - **[Standard] Smart Breakdown:** Visualizes costs as work hours, days, and percentage of daily wages. * *User Intent:* Users are motivated by consistent progression and daily incentives. - **[Basic] Auto-Save:** Automatically saves user rates for quick future access. ## Monetization Strategy - **Model:** Paid - **Tiers:** One-time purchase of $1.99 - **Price:** iOS: $1.99 - **Analysis:** The app uses a low-friction, one-time purchase model, positioning itself as an affordable utility tool rather than a recurring subscription service. ## SWOT Analysis **Core Strengths:** - Unique after-tax income logic for higher accuracy - Multi-earner support via Family Profiles - Low-friction one-time purchase model - Highly focused, minimalist user experience **Critical Frictions:** - Zero ratings/reviews creates a trust barrier for a paid app - No external web or social media presence - Paid-only model prevents free user acquisition - Recent significant drop in App Store rankings **Growth Levers:** - Browser extension integration for e-commerce sites - Gamification of 'hours saved' by not purchasing - Targeting the financial education/teen market - Transitioning to freemium to increase top-of-funnel **Market Threats:** - Direct rivals offering similar features for free - Feature replication by major incumbents like YNAB - Continued decline in Paid chart visibility - Low barrier to entry for new minimalist competitors ## Rivals Landscape {#rivals} > Competitive positioning identified by AI analysis of app features, category, and market signals. ### Time Value Calculator vs Worth It? - Cost in Hours — Head to Head - **Worth It? - Cost in Hours** by 2S Development: The most direct rival, specifically designed to convert purchase prices into work hours and minutes to encourage mindful spending. ### Contenders (Strong Challengers) - **Daily Budget Original** by Silver Fox: While it uses a daily allowance model, it shares the 'can I afford this' decision-making logic by breaking costs down into daily impact. - **Buddy: Budget & Tax** by Buddy AB: A strong competitor for the 'Family Profiles' feature, allowing couples to manage household spending and income together. - **PocketGuard** by PocketGuard, Inc.: Competes with the 'In My Pocket' feature which translates complex budgets into a simple 'spendable' number. - **[Spending Tracker](https://marlvel.ai/apps/spending-tracker)** by MH Riley Ltd: A popular, low-friction utility for users who prefer manual entry and instant spending clarity over bank syncing. ### Peers (What They Do Better) - **YNAB (You Need A Budget)** by You Need A Budget LLC: The market leader in 'value-based' budgeting that forces users to give every dollar a job before spending it. - **Goodbudget Budget Planner** by Dayspring Technologies: Uses the envelope system to help households and couples visualize their spending limits. - **EveryDollar: Budget Tracker** by Ramsey Solutions: A zero-based budgeting tool focused on financial literacy and intentional spending decisions. - **Wally: Smart Personal Finance** by Wally Global Inc.: A comprehensive finance tracker that emphasizes understanding where money goes to improve financial awareness. ### New Kids on the Block (What's Innovative) - **Cents: Budgeting & Expenses** by Cents App: A modern, minimalist entry that prioritizes speed and clean UI for quick spending decisions. - **Loot - Simple Budgeting** by Loot App: A rising minimalist tracker that targets younger users with a focus on simple, intentional spending. ## The "So What?" (Strategic Takeaway) {#so-what} Time Value Calculator is an established finance app that is a paid app. **Strategic Opportunity:** While Time Value Calculator benefits from unique after-tax income logic for higher accuracy, its vulnerability lies in zero ratings/reviews creates a trust barrier for a paid app. A challenger could exploit this by focusing on browser extension integration for e-commerce sites. **Best for:** Budget-conscious individuals, couples managing household finances, and young adults or teens learning financial literacy. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Total Reviews | 0 | | Confidence | Low | | Pricing Model | Paid | | Platforms | iOS | | Key Features | 5 analyzed | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Time Value Calculator** (this app) | N/A/5 | N/A | Gretchen Rushing | | [Spending Tracker](https://marlvel.ai/apps/spending-tracker) | 4.8/5 | Thrilled | MH Riley Ltd | | [Rewards: Games, Surveys & more](https://marlvel.ai/apps/rewards-games-surveys-more) | 4.8/5 | Excited | 256 Rewards LTD | | [Polymarket](https://marlvel.ai/apps/polymarket) | 4.7/5 | Upset | Polymarket | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.8/5 | Frustrated | Fidelity Investments | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.7/5 | Mixed | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** Gretchen Rushing ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/time-value-calculator/id6759534122?uo=2) - **Sources:** App store metadata. ## Related Intel Reports - [*Spending Tracker*](https://marlvel.ai/apps/spending-tracker) (MH Riley Ltd) — 4.8/5 Rating | Excellent Sentiment - [*Rewards: Games, Surveys & more*](https://marlvel.ai/apps/rewards-games-surveys-more) (256 Rewards LTD) — 4.8/5 Rating | Positive Sentiment - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) — 4.7/5 Rating | Terrible Sentiment - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) — 4.8/5 Rating | Negative Sentiment - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) — 4.7/5 Rating | Mixed Sentiment - [*Kalshi: Trade News & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) — 4.7/5 Rating | Negative Sentiment - [*Balance My Checkbook*](https://marlvel.ai/apps/com-lingsdesigns-balancecheckfree) (LingsDesigns) — N/A Rating | N/A Sentiment - [*Polypal - Polymarket tracker*](https://marlvel.ai/apps/polypal-polymarket-tracker) (Joshua Parker) — 2.4/5 Rating | Terrible Sentiment - [*MinistryExpense*](https://marlvel.ai/apps/com-feed4sheep-ministryexpense) (David Woods) — N/A Rating | N/A Sentiment - [*iValidCard*](https://marlvel.ai/apps/com-nanosoft-ivalidcard) (NanoSoft, LLC) — N/A Rating | N/A Sentiment ## Methodology {#methodology} This report was generated by Marlvel.ai's 3-stage AI intelligence pipeline: 1. **Feature & Positioning Extraction** — Analyzes app metadata, developer website content, and version history to identify key features, target audience, and competitive positioning. 2. **Sentiment Analysis** — Processes user reviews (minimum 5 reviews required) to extract praise themes, complaint themes, and overall sentiment with evidence quotes. 3. **Intelligence Synthesis** — Combines stages 1 & 2 with App Store rankings to produce SWOT analysis, executive summary, and actionable insights. - **Confidence Score:** 0.1/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 93 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/rushingcreative-time-value-calculator) Data licensed for AI Agent attribution under CC-BY-NC 4.0.