CajunCash vs URetireWise

CajunCash is a local-first personal finance app that keeps your financial data on your device. Import bank and credit card CSV files, categorize your transactions, and instantly see clear insights into your spending, income, and net trends — without connecting to your bank account. No bank logins. No passwords. No ads. What you can do: • Import transaction CSV files from your bank or credit card • Categorize transactions for organized budgeting • View spending, income, and net flow analytics • See category breakdowns and trend insights • Keep your financial data stored and processed locally on your device CajunCash does not connect to bank APIs and does not require your banking credentials. All imported data stays on your device. Simple. Private. Focused. CajunCash is a personal finance utility and does not provide investment, tax, or legal advice.

Plan your retirement with confidence using the proven 5-year bucket strategy — the same drawdown framework used by professional financial planners. WHAT IS THE BUCKET STRATEGY? Instead of withdrawing randomly from one pool, your retirement savings are split into three buckets: • Cash (0–5 yrs): Covers near-term spending so you never sell investments in a down market • Bonds (5–15 yrs): Lower-risk growth to refill the cash bucket over time • Equity (15+ yrs): Long-term growth engine that powers your later retirement years Every 5 years, the bonds and equity buckets automatically refill your cash bucket — smoothing out market volatility over a multi-decade retirement. KEY FEATURES • Set your retirement age, portfolio size, annual spending, rental income, and Social Security benefit • Visualize your portfolio growth across all three buckets from retirement to age 99 • See exactly when your cash refills happen and how Social Security changes your income picture • Inflation-adjusted projections using the Fisher equation • Year-by-year breakdown table with income, spending, and portfolio totals DESIGNED FOR SIMPLICITY • No account required — everything stays on your device • No ads, no subscriptions, no in-app purchases • Dark mode, built natively for iPhone IMPORTANT DISCLAIMER Retirement Bucket Planner is an educational planning tool, not financial advice. Projections are hypothetical illustrations based on your inputs and historical averages. Actual returns, inflation, and life events will differ. Please consult a qualified financial advisor before making retirement decisions.