Time Value Calculator
For budget-conscious individuals, couples managing household finances, and young adults or teens learning financial literacy.
Time Value Calculator is an established finance app that is a paid app.
What makes this app unique?
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What Are The Key Features?
Calculates the exact number of work hours and minutes required to afford a purchase based on hourly rates.
Determines the true take-home hourly rate from a paycheck for more accurate financial planning.
Allows tracking of separate income rates for multiple earners within a household.
Visualizes costs as work hours, days, and percentage of daily wages.
Automatically saves user rates for quick future access.
How much does it cost?
- One-time purchase of $1.99
The app uses a low-friction, one-time purchase model, positioning itself as an affordable utility tool rather than a recurring subscription service.
Who Built It?
Providing tools for personal health tracking and mindful financial management. Helping users align their daily habits with biological and economic goals.
Portfolio
2
Apps
What other apps does Gretchen Rushing make?
Explore the full Gretchen Rushing report
Portfolio breakdown, audience, momentum, and every app published by Gretchen Rushing.
What do users think recently?
Analysis in progress, available soon
What is the competitive landscape for Time Value Calculator?
How's The Finance Market?
Market outlook for this category
Available very soon
The outtake for Time Value Calculator
Strengths to defend, gaps to attack
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
Key Takeaways
Time Value Calculator is an established finance app that is a paid app.
Where Is It Heading?
Trend analysis
Available very soon