| 摘要 |
Embodiments of the invention are directed to systems, methods, and computer program products for assessing an impact of using funds from different accounts to pay for financial events in retirement planning for a user. The system is configured to receive information associated with a group of accounts, electronically monitor the information, initiate presentation of a spend user interface to the user, receive a user selection of a financial event, calculate a financial event cost, determine one or more payment disbursement accounts from the group of accounts, calculate a payment disbursement ratio, and electronically present the payment disbursement ratio to the user. |
| 主权项 |
1. A system for assessing an impact of using funds from different accounts to pay for financial events in retirement planning for a user, the system comprising:
at least one non-transitory storage device; at least one processor; and at least one module stored in said storage device and comprising instruction code that is executable by the at least one processor and configured to cause said at least one processor to:
receive information associated with a group of accounts, wherein the group of accounts comprises accounts associated with a user, and wherein the information comprises a type of account for each account in the group of accounts and an amount of funds in the group of accounts;initiate electronic presentation of a spend user interface to the user, wherein the spend user interface is provided on a user device and comprises at least a plurality of selectable retirement time periods;receive, via the spend user interface, a user selection of a first retirement time period of the plurality of selectable retirement time periods;calculate an amount of spendable funds associated with the user for the first retirement time period, wherein the amount of spendable funds is calculated based on the amount of funds in the group of accounts, an amount of outgoing funds, and an amount of incoming funds for the first retirement time period;electronically present, via the spend user interface, a plurality of selectable financial event options that could occur for the user at a future time;receive, via the spend user interface, a user selection of a financial event from the plurality of selectable financial event options, wherein the financial event selected by the user results in a possible expense for the user;calculate a financial event cost associated with the possible expense of the financial event, wherein calculating the financial event cost comprises:
initiating electronic presentation of an event information user interface to the user, wherein the event information user interface is provided on the user device and comprises at least selectable options associated with the financial event and enables the user to input financial event information associated with the financial event, wherein the event information comprises one or more predetermined questions associated with the financial event; andreceiving, via the event information user interface, the financial event information input by the user, wherein receiving the financial event information comprises a response to the one or more predetermined questions;electronically present, via the spend user interface, a calendar comprising selectable options associated with a plurality of possible dates of occurrence for the financial event, wherein the plurality of possible dates of occurrence for the financial event are within the first retirement time period; andreceive, via the spend user interface, a selected possible date of occurrence from the plurality of possible dates of occurrence for the financial event;determine two or more payment disbursement accounts from the group of accounts to be used to pay the financial even cost based on the account information, the financial event, the financial event cost, and the selected possible date of occurrence;determine a payment disbursement ratio based on at least the two or more payment disbursement accounts with an interest rate module and the selected possible date of occurrence, wherein the interest rate module is configured to assess an interest rate associated with each payment disbursement account of the two or more payment disbursement accounts, wherein the payment disbursement ratio comprises an amount of funds from each of the two or more payment disbursement accounts to be used to pay a portion of the financial event cost;calculate a new amount of spendable funds based on the financial event cost, the selected possible date of occurrence, the first retirement time period, and the two or more payment disbursement accounts to be used to pay the financial event cost;initiate presentation of an updated spend user interface to the user, wherein the updated spend user interface is provided on the user device and comprises:
the new amount of spendable funds;the two or more payment disbursement accounts used to pay the financial event cost; andthe plurality of selectable retirement time periods;receive, via the updated spend user interface, a user selection of a second retirement time period from the plurality of selectable retirement time periods that is different from the first retirement time period;calculate an adjusted amount of spendable funds based on the financial event cost, the selected possible date of occurrence, the second retirement time period, and the two or more payment disbursement accounts; andinitiate electronic presentation of an adjusted spend user interface to the user, wherein the adjusted spend user interface is provided on the user device and comprises:
the adjusted amount of spendable funds; andthe two or more payment disbursement accounts used to pay the financial event cost. |
