--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Time Value of Money Calculator" developer_entity: "Igor Shtygashev" bundle_id: "com.igor.tvm" app_store_id: "1246450193" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2019-12-22" report_date: "2026-09-21" last_verified: "2026-09-21T00:00:00.000Z" report_version: "1.3.2" total_reviews: 5 overall_rating: 2 sentiment: "Frustrated" sentiment_score: 25 confidence: "low" confidence_score: 0.3 top_praise_theme: "The core concept of a present value calculator provides a useful starting point for financial planning" top_complaint_theme: "Lack of a help feature makes complex financial options difficult for non-expert users to understand" review_sample_size: 5 total_review_count: 5 analyzed_review_count: 5 data_age_days: 55 momentum_velocity: "zombie" intelligence_version: 2 tags: ["finance", "free", "frustrated sentiment", "mobile app", "app review", "app analysis", "finance", "students", "professionals"] canonical_url: "https://marlvel.ai/apps/time-value-of-money-calculator" 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. --- # Time Value of Money Calculator Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 2 · Sentiment Frustrated - **Recent focus**: Lack of a help feature makes complex financial options difficult for non-expert users to understand (top complaint) · The core concept of a present value calculator provides a useful starting point for financial planning (top praise) > **TL;DR:** Time Value of Money Calculator is a finance app by Igor Shtygashev, rated 2/5 by 5 users, with Frustrated user sentiment (25/100), available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Time Value of Money Calculator faces Frustrated user sentiment (2/5 from 5 reviews), with users reporting lack of a help feature makes complex financial options difficult for non-expert users to understand as the primary concern. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 2/5 (5 reviews) | | **User Mood** | Frustrated | | **Category** | Finance | | **Developer** | Igor Shtygashev | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0.3/1.0) | | **Data Age** | 55d | ## Metadata & Market Performance - **Publisher:** Igor Shtygashev - **Category:** Finance - **Target Audience:** Finance students or professionals requiring a basic calculator for time value of money computations on iOS devices. - **Platforms:** iOS - **Version Reviewed:** 1.3.2 - **Report Date:** 2026-09-21 - **Signal Count:** 5 reviews analyzed - **Confidence:** Low (0.3/1.0) - **App Store ID (iOS):** 1246450193 - **Bundle ID:** com.igor.tvm - **Data Window:** Analysis based on signals collected up to 2026-09-21 ## Executive Snapshot **What it is:** Time Value of Money Calculator is a single-function finance utility for iOS users to compute present and future value variables. **Why users hire it:** The tool serves users needing a simplified, ergonomic interface for basic financial planning, though it currently lacks the advanced fields required for professional utility. ## App DNA (Features & Intent) - **[Standard] Time Value of Money Calculator:** Calculates financial variables including present value, future value, and interest rates via a single-function interface. - **[Basic] Ergonomic Interface:** Natural layout designed for inputting financial variables on iOS. ## Market Position {#market-position} Time Value of Money Calculator occupies a stagnant position in the Finance category, with a 2.0-star rating across 5 reviews. The lack of updates since 2019 effectively removes the tool from active market competition. ## Monetization Strategy - **Model:** Free - **Tiers:** Free - **Analysis:** The app is distributed as a free utility with no visible monetization or subscription tiers. ## 🔴 User Sentiment (Low Confidence: 5 of 5 reviews analyzed) {#user-sentiment} - **Overall Rating:** 2/5 - **Platform Split:** iOS 2.0/5 (5 ratings) - **Overall Sentiment:** Frustrated ### Top Praises - **The core concept of a present value calculator provides a useful starting point for financial planning** ### Top Complaints (Impact Areas) - **Lack of a help feature makes complex financial options difficult for non-expert users to understand** ## SWOT Analysis {#swot} **Core Strengths:** - Single-function interface reduces cognitive load for basic computations ## What's New - **Latest (v1.3.2, 6 years ago):** Minor code updates for stability and maintenance. ## App Momentum (Zombie) {#momentum} - Dormant for over 6 years. - No feature updates since 2019. > **Cadence:** 1 total versions · 0 majors in last 6 months · 2465 days since last update ## The "So What?" (Strategic Takeaway) {#so-what} Time Value of Money Calculator is a finance app that is completely free. It holds a 2/5 rating from 5 reviews. > **Bottom Line:** Time Value of Money Calculator is functionally obsolete due to missing core financial variables and a total lack of development activity,. Sunset the project to avoid further brand drag in the Finance category. **Best for:** Finance students or professionals requiring a basic calculator for time value of money computations on iOS devices. ### PM Action Plan (Next Best Moves) - [ ] [SUNSET] Sunset the app because it has been dormant for over six years → eliminate support costs. ### Outlook: Declining The financial utility market has consolidated around actively maintained tools that provide comprehensive solving capabilities. Time Value of Money Calculator remains exposed to total irrelevance, as its lack of development prevents it from meeting basic user expectations for financial planning. - 🔴 The six-year development gap ensures the app remains functionally inferior to current market alternatives, leading to continued user churn. - 🔴 Negative sentiment regarding missing interest rate and payment fields confirms the tool no longer serves its intended financial planning purpose. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 2/5 | | Total Reviews | 5 | | Sentiment | Frustrated (25/100) | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 2 analyzed | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Time Value of Money Calculator** (this app) | 2/5 | Frustrated | Igor Shtygashev | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.5/5 | n/a | Atlas Reality, Inc. | | [Banksola: Budget Planner](https://marlvel.ai/apps/banksola-budget-planner) | 4.6/5 | Mixed | Quickdollarapp, Inc | | [코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)](https://marlvel.ai/apps/coinone-co-kr-official) | 3.1/5 | N/A | Coinone | | [다트맨 - 전자공시 푸시알림](https://marlvel.ai/apps/com-coreasset-stockhunter) | 2.1/5 | N/A | ORBIS Investment Advisors Co., Ltd. | | [디지로카(롯데카드)](https://marlvel.ai/apps/com-lcacapp) | 2.5/5 | N/A | lottecard | ## Company Profile - **Developer:** Igor Shtygashev ## Data Sources & Links - **App Store ID:** 1246450193 - **Sources:** App store metadata, User reviews. ## Related Intel Reports - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.5/5 Rating - [*Banksola: Budget Planner*](https://marlvel.ai/apps/banksola-budget-planner) (Quickdollarapp, Inc) · 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 - [*しんきんバンキングアプリ*](https://marlvel.ai/apps/jp-shinkin-ib-banking) (The Shinkin Banks Information System Center Co Ltd) · 3.3/5 Rating - [*1099 Tax Calculator*](https://marlvel.ai/apps/1099-tax-calculator) (NESHOP NEPAL) · 1.0/5 Rating - [*10bII+*](https://marlvel.ai/apps/10bii) (Anishu, Inc.) · 2.0/5 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:** 0.3/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 5 - **Data Sources:** user reviews, 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:** 55 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/time-value-of-money-calculator) Data licensed for AI Agent attribution under CC-BY-NC 4.0.