MobileTmoney vs SaveSpend3

MobileTmoney – The Smart Way to Travel Korea Your all-in-one transit card for buses and subways across Korea. Just tap your iPhone or Apple Watch and ride instantly. ■ Made for Travelers - Use public transportation across Korea with ease - No need to buy or carry a physical transit card - No sign-up required—start using it right away - Top up in the app using Apple Pay ■ Tap & Ride Anywhere - Ride buses and subways using your iPhone or Apple Watch - Simply tap your device—no need to open the app or wake your screen - Fast, secure, and contactless ■ Designed for Quick Access - Skip ticket machines and long lines - Works instantly when you're on the move - Check your balance and top up anytime in the app ■ Requirements - iPhone XS / XR or later with iOS 17.2 or later - Apple Watch Series 6 / SE (2nd gen) or later with watchOS 10.2 or later - A credit or debit card added to Apple Pay is required for top-up ■ Permissions To provide a smooth experience, the app may request: Optional Permissions - Phone: Account verification & customer support - Contacts: Recipient search for Send Balance - Location: Tracking for departure & arrival points - Camera: Card registration & QR code scanning Granting these permissions is optional—the app works without them, though some features won't be available. ■ Support - Customer Center: +82-1644-0088 (Weekdays 09:00–18:00, KST) - Email: mobileteam@tmoney.co.kr

Helpful to plan and budget your money, SaveSpend3 calculates Savings, or Social Security Accumulation vs filing age, or Spending over time. Earnings/interest, inflation, and taxes are included in the calculations as appropriate. Monte Carlo random variation can optionally be applied to earnings/interest and/or inflation and averaged over multiple runs. Results can be viewed in a table or as a chart. Separate tabs are provided to calculate Save, SSAccumulate, and Spend. Save can easily calculate the growth effects of compound interest rates and yearly taxes and on your regular monthly savings. Compounding frequencies of daily, monthly, quarterly, semiannually, or annually can be selected in the Settings. SSAccumulate similarly calculates compound growth but also takes into account inflation COLA adjustments to the SS amounts. The default 3 filing ages of 62, 66, and 70 can be adjusted by the user in the Settings. Spend will calculate the remaining balance year after year given an initial principal amount and initial withdrawal amount per year. You can budget how long your money will last given its earnings rate per year and the inflation rate per year. This is minimalist by design with no ads, no in-app purchases, no pro buy-up version, no data collection or profiling, no bells and whistles, and no fancy moving graphics to distract you, just numbers. Note: Financial entertainment value only, fun playing with numbers. This uses simple yearly compounding, assumes constant interest, earnings, inflation, and taxes, and should NOT be used for accurate predictions.