Citizens Pay vs SaveSpend3

Ready to manage your Citizens Pay accounts – anytime, anywhere – from the convenience of your mobile device! Enjoy all of these benefits: - 24/7 secure access to your Citizens Pay accounts in one place. - Go paperless with immediate access to your PDF statements. - Schedule a seamless one-time payment at any time, day or night. - Turn on Auto Pay to pay your monthly installment automatically from your bank account. - Stay on top of your account balance, transaction history, and purchase balance at any time.

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.