Roth Wizards vs Spend Pulse

Roth Wizards helps parents employ their children, track real work, and fund custodial Roth IRAs. Every dollar your child earns can grow tax-free for decades, potentially reaching millions by retirement. Why Parents Love Roth Wizards: Save on Taxes — Deduct your child's wages as a business expense (if you have a business) Build Wealth — Every dollar earned can go into their Roth IRA, growing tax-free Stay Compliant — Built on IRS Publication 15 and IRC Section 3121(b)(3)(A) CPA-Ready — Generate W-2 and W-3 forms, plus year-end audit binders Track Everything — Log jobs, hours, photos, and payments in one place Perfect For: Business Owners — Hire your kids for real business tasks (marketing, photography, data entry) and deduct wages Household Work — Pay for legitimate household projects (yard work, photo organization, tutoring siblings) even without a business Tax-Smart Families — Turn "helping out" into documented earned income Key Features: Job Logging — Log real work with photos, hours, and pay rates Photo Documentation — Attach before/after photos to prove work was substantial Payment Tracking — Track which jobs are paid and how much you owe Roth Contribution Limits — See exactly how much you can contribute each year (up to $7,500 for 2026) Tax Forms — Generate W-2 and W-3 forms automatically CPA Exports — One-click downloads with all documentation your accountant needs EIN Support — Get help applying for your Employer Identification Number Smart Suggestions — Age-appropriate job ideas with fair market rates How It Works: Pick a job your child can help with (business or household) Log the time and pay them Match that income with a custodial Roth contribution Relax—Roth Wizards stores every detail for tax time Real Example: Pay your teen $3,000 for product photography. If you're in a 30% tax bracket, you save ~$900 in taxes. That same $3,000 goes into their Roth IRA and can grow to over $3M by age 65—all tax-free. Compliance Built-In: Every workflow aligns with IRS guidance on hiring your own children. We help you: Document real work (not routine chores) Track earned income for Roth IRA eligibility Generate proper payroll documentation Stay within contribution limits No Business? No Problem. Even without a business, your kids can earn real income for legitimate household work. Every dollar they earn can go toward a Roth IRA—building the same tax-free wealth. The only difference? You won't get a tax deduction, but your child still gets a financial future. Simple Pricing: Choose the plan that fits your family. Many parents save hundreds in taxes each year—often covering the cost in one weekend of documented work. Important: Roth Wizards is a record-keeping tool and does not provide tax, legal, or financial advice. Consult a qualified CPA or tax professional for guidance specific to your situation. Start building your child's tax-free future today. Download Roth Wizards and turn helping out into real earnings and long-term savings. Privacy & Security: All data is stored securely in your private iCloud account. We never share your information with third parties. Terms of Use: https://rothwizards.com/terms Privacy Policy: https://rothwizards.com/privacy

Your money, in real time. Spend Pulse is the privacy-first money tracker for people who want real clarity — not another app begging for your bank password. No linking. No data selling. Just a fast, beautiful way to see exactly where your money goes. NO BANK LINKING — EVER Your security is guaranteed because we never touch your bank. Nothing to re-authenticate every week, nothing to leak. You log what matters in seconds, and your data stays yours. WHY MANUAL TRACKING WINS Automation makes you passive. Spend Pulse makes you aware. Logging with our quick-entry keypad — or scanning a receipt — builds a mindful-spending habit that auto-import apps can't teach. KEY FEATURES Fast, focused entry A dedicated amount keypad, smart category and merchant suggestions, and one-tap income or expense logging. Receipt scanning built in Snap a receipt and let on-device text recognition pull the amount, merchant, and date automatically — then search your receipts later. Insights that actually explain A clean analytics hub with Overview, Spending, Income, and Assets — cash-flow trends, top categories and merchants, budget health, income sources, net worth, and debt payoff, all with clear value labels. AI Analyst Get a holistic read on your income, spending, debt, and savings — in plain language, not just charts. Prefer to go fully manual? Turn it off anytime in Settings. Made for couples & households Track shared bills without merging bank accounts. Instant sync across devices, see who paid for what, and keep personal spending private within a shared group. Budgets that match your payday Don't get paid on the 1st? Set your budget cycle to reset on your actual payday, so your numbers match real life. Everything in one place Accounts, monthly budgets, custom categories, recurring bills, one-time and recurring income, debt payoff, and savings/investment goals — plus Financial Goals like an emergency fund, net-worth target, and debt-free date. Travel ready Built-in multi-currency support so you can spend abroad and track at home. Privacy Mode Blur every amount with one tap for glances in public. Native iOS design Full dark mode, fluid animations, and haptics that feel right at home on iPhone. OUR PRIVACY PROMISE We access no banks. We sell no data. We're funded by people like you — not advertisers. Take back control of your financial life. Download Spend Pulse and start your 1-Month Free Trial. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/