529 Tracker vs Bonsave

Finally — a 529 plan tracker that actually gets it. Not just an account balance app - but a complete tool to guide you through the entire process of how to correctly use your 529 education plan money!!! If you're saving for college or K-12 with a 529 plan, you already know the hard part isn't just saving. It's keeping track of what qualifies, when withdrawals happen, which receipts support each expense, and what information you may need when tax season arrives. 529 Tracker helps you organize your 529 expenses, withdrawals, receipts, scholarships, and reports in one place. No more spreadsheets. No more shoeboxes of receipts. No more guessing where the numbers came from. Just a clean, focused app built to help families stay organized year-round. Version 3.4 improves student-specific expense limits, calendar-year withdrawal matching, scholarship coordination, and AOTC-adjusted tax summaries. It also strengthens support for older saved records and verifies student-loan repayment history before saving new or edited entries. HERE'S WHAT YOU'LL LOVE • Ask the built-in AI Assistant questions in plain English about your tracked data, summaries, projections, alerts, and app features • See how much your tracked expenses make eligible for 529 withdrawal • Track expenses by category: tuition, room and board, books, technology, K-12 education, student loan repayments, and more • Snap a photo or attach a PDF receipt to transactions • Forecast your 529 balance year-by-year through graduation • Manage multiple students and 529 account balances • Reconcile Form 1099-Q against your tracked expenses • Generate PDF and CSV reports for your records or tax professional • Coordinate expenses with the American Opportunity Tax Credit (AOTC) • Get year-end reminders before the December 31 calendar-year deadline • Sync your data across iPhone, iPad, and Mac • Use built-in help and tutorials to learn each major workflow BUILT AROUND THE DETAILS THAT MATTER 529 Tracker is designed around IRS Publication 970 to help you organize: Cost of Attendance (COA) limits on room and board • Scholarship and grant reductions to qualified expenses • Calendar-year matching between expenses paid and withdrawals • Enrollment and housing requirements • K-12 annual limits • The $10,000 lifetime student loan repayment limit • AOTC coordination • Academic terms that span calendar years Keep expenses organized by student and payment year, even when an academic term crosses December and January. Clearer alerts help identify missing information that may affect eligibility. PERFECT FOR Parents and grandparents who: Have one or more students using a 529 plan • Want a clearer answer to “how much can I withdraw this year?” • Are done with spreadsheets, sticky notes, and tax-season scrambling • Want organized records for themselves or their tax professional • Care about staying on top of things year-round SUBSCRIPTION 529 Tracker is available as a monthly or annual subscription: Monthly: $5.99 • Annual: $54.99 Both plans unlock every feature, sync across your Apple devices, and include ongoing app updates. Cancel anytime through your Apple ID. PRIVACY We do not sell your data or use it for advertising. Your records are securely stored and synced using Firebase infrastructure. The optional AI Assistant uses Google Gemini through Firebase AI Logic to generate answers when you choose to ask a question. A QUICK NOTE 529 Tracker is an organizational tool, not a replacement for professional tax, legal, or financial advice. Calculations are based on the data you enter and are designed to help you organize information around current IRS guidance. Always consult a qualified tax professional for advice specific to your situation. WE'D LOVE TO HEAR FROM YOU Questions? Feedback? Feature ideas? Email us anytime at support@charliemikestudios.com. Built with care by Charlie Mike Studios. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Looking at your money shouldn't feel like work. Bonsave brings your accounts together and tells you what's going on, in plain language. Connect your accounts and meet Bonnie, your personal financial assistant. She delivers one focused insight every morning to help you build lasting wealth. Like tending a bonsai tree, a little attention each day adds up to something real. ONE INSIGHT, EVERY MORNING Bonnie watches your accounts and surfaces one observation each day. You might wake up to: "Your grocery spending is up 35% this month, mostly from a few larger trips." "You'll cross $100k net worth around June at your current pace. First time, by the way." "You're carrying $1,742 on your credit card at 21% APR. Paying it before the statement closes saves about $31." "Saturdays cost you about 2x what other days do, mostly food and shopping." Each insight is short, useful, and yours to keep. Browse by category, scroll back through your history, and thumbs up or down so Bonnie learns what's helpful to you. Want more? Ask Bonnie about any insight and she picks up the thread with your numbers. CHAT WITH BONNIE ANYTIME Have a question about your money? Use chat. Bonnie has your accounts, transactions, holdings, and budgets all loaded, so you can ask things like "what did I spend on coffee last month" or "am I saving enough" and get a real answer grounded in your actual data. EVERYTHING IN ONE VIEW Checking, savings, credit cards, and investment accounts in a single feed. Your net worth is one number that updates as your money moves, and any account is one tap from its full balance history. SPENDING THAT MAKES SENSE Transactions are automatically categorized using AI. Compare this month to last, notice the patterns you'd otherwise miss, and keep an eye on every recurring charge, including the ones that quietly raised their price. YOUR FULL PORTFOLIO Track stocks, ETFs, retirement accounts, and crypto. Add the harder-to-see stuff too, like real estate or private holdings, and it shows up alongside the rest. SEE WHERE YOU'RE HEADED Bonsave projects your net worth forward from your real income, savings, and investments, and shows the range of outcomes rather than one hopeful line. Set a retirement age or a financial independence target, and see the year you get there and how likely it is to hold. BUDGETS AND PRIORITIES Set monthly budgets and tell Bonnie what you're working toward. She factors both into every insight, so what she surfaces actually matters to you. MAKE IT YOURS Pick a colour theme and a matching app icon, and lock the app behind Face ID. PRIVACY YOU CAN ACTUALLY TRUST Account connections run through Plaid, the same provider used by Venmo, Robinhood, and Coinbase. Bonsave never sees your bank login. Your connection is encrypted in transit and at rest, and you can delete your account and everything in it, any time. Try it free. Your money is doing things every day. Bonsave helps you notice. Terms of Use (EULA): https://bonsave.app/terms Privacy Policy: https://bonsave.app/privacy