Sunbit vs SaveSpend3

Sunbit is the Buy Now, Pay-over-time solution for everyday needs and services. Sunbit technology helps you buy what you need without stress. Available in thousands of locations nationwide. An app just for Sunbit customers: Manage your Sunbit Card: View account details, see your minimum payment due, transactions and balances. Make payments. View or download your monthly statements. Update or change your default debit or bank account information. Contact customer support. Sunbit Payment Plans Get instant access to easy tools for managing your plan 24/7. View your purchases and monitor your installment payments. View activity, make payments or pay off early. Update your default payment method. View payment history and payments due. The Sunbit app is free, but your mobile carrier’s message and data rates may apply. Some features are only available for eligible customers and accounts. To log in, Sunbit customers must have a user ID and password or create one in the app. Loans are made by, and the Sunbit Card is issued by, Transportation Alliance Bank, Inc., dba TAB Bank, which determines qualifications for and terms of credit. The Sunbit Card is issued pursuant to a license from Visa U.S.A. Inc. All access and use of the app is subject to and governed by the Sunbit Terms of Use and Privacy Policy. Any feedback? Contact us at feedback@sunbit.com

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.