Patent ID: 7962394

Claim:
A system for generating, on behalf of a user, at least one proposed contribution schedule for a savings plan that includes an employer matching funds program having a limit, the system comprising: a computer system comprising one or more computing devices; an input/output interface configured to receive input about a user desiring a savings plan contribution schedule, said input including information selected from one or more of the following categories: the user's salary, the user's expected raises, the user's expected annual raise date, at least one standard-of-living increase from the user's expected raises, the user's expected retirement date, an available retirement savings plan, an available employer matching-funds program, the user's current savings contribution schedule, and the user's savings portfolio value; a calculation engine implemented by the computer system, the calculation engine configured to: receive the user input; identify at least two different time periods in the user's savings horizon, including at least a first time period that ends when the user's savings contribution reaches a limit on the employer's matching funds program, and a second time period that begins when the user's savings contribution reaches the employer's limit for matching funds; and use the user input to generate a proposed savings contribution schedule in accordance with the user's desired standard-of-living increase, the proposed savings contribution schedule specifying different savings contributions for the at least two identified time periods, the proposed savings contribution schedule for presentation to the user via the input/output interface, the input/output interface further configured to receive an authorization from the user for the proposed savings contribution; a repository of client records configured to record the authorization in association with the user and the savings contribution schedule; and a contribution management application configured to receive information about the authorized savings contribution schedule and to trigger automatic changes to contributions to a savings plan in accordance with the authorized savings contribution schedule.