--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Simple TVM" developer_entity: "Med One Marketing" bundle_id: "com.medonemarketing.simpletvm" app_store_id: "422382715" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2018-03-01" report_date: "2026-08-14" last_verified: "2026-08-14T00:00:00.000Z" report_version: "2.0" total_reviews: 10 overall_rating: 3.4 confidence: "low" confidence_score: 0 data_age_days: 3 momentum_velocity: "zombie" intelligence_version: 3 tags: ["finance", "free", "mobile app", "app review", "app analysis", "students", "individuals", "seeking"] canonical_url: "https://marlvel.ai/apps/simple-tvm" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Simple TVM Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 3.4 > **TL;DR:** Simple TVM is a finance app by Med One Marketing, rated 3.4/5 by 10 users, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Simple TVM is a finance app by Med One Marketing. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 3.4/5 (10 reviews) | | **Category** | Finance | | **Developer** | Med One Marketing | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0/1.0) | | **Data Age** | 3d | ## Metadata & Market Performance - **Publisher:** Med One Marketing - **Category:** Finance - **Target Audience:** Students and individuals seeking a basic tool for time value of money calculations. - **Platforms:** iOS - **Version Reviewed:** 2.0 - **Report Date:** 2026-08-14 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0/1.0) - **App Store ID (iOS):** 422382715 - **Bundle ID:** com.medonemarketing.simpletvm - **Performance Trend:** Declining - **Data Window:** Analysis based on signals collected up to 2026-08-14 ## Executive Snapshot **What it is:** Simple TVM is a specialized financial calculator for time value of money equations, designed for students and individuals on iOS. **Why users hire it:** The tool removes the cognitive friction of switching between input and output screens by displaying all financial values simultaneously during data entry. ## App DNA (Features & Intent) - **[Standard] TVM Calculation Engine:** Calculates loan payments, interest rates, present value, and future value using standard financial formulas. - **[Differentiator] Visual Value Display:** Displays calculated values directly above the input keys for reference during data entry. ## Market Position {#market-position} Simple TVM maintains a static presence in the Finance category with no updates since 2018. Its lack of recent development activity limits its ability to compete with modern, frequently updated financial utilities. ## Monetization Strategy - **Model:** Free - **Tiers:** Free - **Analysis:** Simple TVM operates as a free utility with no visible monetization or subscription gates. ## SWOT Analysis {#swot} **Core Strengths:** - Visual value display reduces cognitive load during data entry **Growth Levers:** - UI refresh could capture users seeking lightweight, ad-free alternatives ## Recent Changes (v2 → v3) {#recent-changes} The developer's strategic intent shifted from maintaining a legacy utility to planning for a product sunset. This pivot acknowledges that the eight-year development silence now functions as a brand liability rather than a static feature. **Overall trend**: Declining **Compared at**: 2026-08-14 ### High-impact changes - **[Shifted] Strategic intent pivot** (positioning) ### Medium-impact changes - **[Shifted] Threat profile update** (swot) - **[Shifted] Executive summary tone** (positioning) ## What's New - **Latest (v2.0, 8 years ago):** Version 2.0 introduces a complete Swift rewrite, UI redesign, and iPhone X compatibility. ## App Momentum (Zombie) {#momentum} - No updates for 101 months. - Last major release in 2018. > **Cadence:** 1 total versions · 1 majors in last 6 months · 3087 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Simple TVM is a finance app that is completely free. It holds a 3.4/5 rating from 10 reviews. > **Bottom Line:** Simple TVM serves a narrow, static need, but its eight-year inactivity makes it a candidate for sunsetting. Redirecting resources to higher-yield projects would better serve the developer's portfolio than maintaining a legacy utility that no longer receives feature updates. **Best for:** Students and individuals seeking a basic tool for time value of money calculations. ### PM Action Plan (Next Best Moves) - [ ] [SUNSET] Sunset the product because the eight-year update gap signals a lack of strategic intent → reduce brand drag ### Outlook: Declining The financial utility market is shifting toward tools that integrate with modern iOS features and offer frequent, iterative updates. Simple TVM's long-term inactivity leaves it exposed to platform-level deprecation, which will eventually force a sunset regardless of current user utility. - 🔴 The eight-year update gap indicates a total lack of maintenance, which will eventually trigger Apple's app store removal policies for abandoned software. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 3.4/5 | | Total Reviews | 10 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 2 analyzed | | Trend | Declining | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Simple TVM** (this app) | 3.4/5 | N/A | Med One Marketing | | [Polymarket](https://marlvel.ai/apps/polymarket) | 4.1/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.4/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.5/5 | n/a | Fidelity Investments | | [Kalshi: Trade Events & Sports](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.8/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** Med One Marketing ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/simple-tvm/id422382715?uo=4) - **Sources:** App store metadata. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.1/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.4/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.5/5 Rating - [*Kalshi: Trade Events & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.8/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) · 4.6/5 Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating - [*디지로카(롯데카드)*](https://marlvel.ai/apps/com-lcacapp) (lottecard) · 2.5/5 Rating - [*บเรนนี่ เงินสด*](https://marlvel.ai/apps/com-finance-rennycorpoth) (RENNY CORPORATION COMPANY LIMITED) · N/A Rating - [*ศรีสวัสดิ์*](https://marlvel.ai/apps/com-srisawad-mobileapplications) (Srisawad Power 2014 Company Limited) · 3.8/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0/1.0 (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:** 3 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/simple-tvm) Data licensed for AI Agent attribution under CC-BY-NC 4.0.