Seed: Everyone Can Plan

Seed is a beautiful, full-featured financial planner that makes it easy to set up initial finances and layer life events for up to 40 years. Designed for those ages 18 and older. The benefit of planning is that it helps you make better decisions. Better decisions help save more money. More money gives you more choices and gives you the chance to achieve your goals. Requires subscription to complete a plan. Access to financial calculators does not require subscription. QUICK: Create plan in minutes SECURE: All user data resides on the device and is encrypted. Nothing is shared or sent to the cloud. EVERYONE: Any income level and for ages 18+ AFFORDABLE: Long term financial plan without paying for professional AD FREE HOW IT WORKS Add current finances. Set goals. Add future events. Review every month ADD CURRENT FINANCES Income: Salary, state pensions, income streams from investments, pension plans, and rental income. It estimates your taxes from your gross income. You can add up to two adults. Expenses: It estimates a monthly budget based on your total income at startup. Assets: House and vehicles (up to 5 each). Employer and individual retirement accounts per adult. Savings account. Debt: Mortgage, vehicle, student, and credit loans (up to 5 each). SET GOALS Create personal, professional, and financial goals and actions, timing, and progress. Financial goals display progress based on your data. ADD FUTURE EVENTS Buy or sell a future house or vehicle: adds assets, loans, and expenses. Child care: add future daycare expenses and salary changes. Add a partner: add adult, salary, and expense changes. Job change: add future salary change. Retirement: adjusts salary and expenses, future income streams from retirement accounts, private pension or rental income, and state pension. Long-term funds: Education, Investment, and Emergency funds. One-time: unlimited amount of income and expense events. OTHER FEATURES Summary: Report on your retirement, net worth, savings, emergency funds, goals, tasks, life insurance, and will status. Calculators: Home affordability, Savings, Rent or Buy, Life insurance needs, and more. Erase all data and restart. Redo any time: Erase all data and restart. Support for 14 languages + 23 countries + voice support WHY A SUBSCRIPTION? You get the latest rates for taxes, inflation, cost of living, asset class performance, and retirement account regulations. This financial data helps create the most accurate estimates of your plan. Additionally, new features are added quarterly. NOTE This app provides no financial advice. Information provided is general and should NOT be construed as providing legal, accounting, or tax advice. Should you have any specific questions or issues in these areas, please consult your legal, tax, or accounting advisor. The financial results and calculations are derived based on assumptions and information provided by you. These assumptions and information will change over time. Some of the information presented is based on current tax rules and legislation which are subject to change. Hence, you must review your financial plan regularly to ensure it is up-to-date and addresses your current needs. It is also important to look at a few different scenarios to understand the impact of various assumptions on your planning objectives. iPhone is Portrait mode only. IPad is both Portrait and Landscape modes. Terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ US Patent pending