Payment milestones for improved financial health

A computer-readable storage medium configured to store computer-executable instructions that, when executed by a computing device, cause the computing device to perform operations comprising:

• determining whether a first schedule was selected to reduce a previous amount;
• in accordance with a determination that the first schedule was selected to reduce the previous amount, determining a second schedule to reduce a total amount in one period less than a number of periods presented associated with the previous amount;
• in accordance with a determination that the first schedule was not selected to reduce the previous amount:
• determining a current utilization of a first amount allocated to an account of a user;
• determining whether the current utilization of a value is greater than a first threshold;
• and
• in accordance with a determination that the current utilization of the value is greater than the first threshold, determining a third schedule for reducing the total amount associated with the account of the user in a first time period;
• and
• presenting, by the computing device, a graphical representation of a plurality of milestones on a graphical user interface, wherein the plurality of milestones comprises at least the total amount and the third schedule.

A system, comprising:

• one or more memories configured to store computer-executable instructions;
• and
• one or more processors are configured to access the one or more memories and collectively execute the computer-executable instructions to at least:
• determine whether a first schedule was selected to reduce a previous amount;
• in accordance with a determination that the first schedule was selected to reduce the previous amount, determine a second schedule to reduce a total amount in one period less than a number of periods presented associated with the previous amount;
• in accordance with a determination that the first schedule was not selected to reduce the previous amount:
• determine a current utilization of a first amount allocated to an account of a user;
• determine whether the current utilization of a value is greater than a first threshold;
• and
• in accordance with a determination that the current utilization of the value is greater than the first threshold, determine a third schedule for reducing the total amount associated with the account of the user in a first time period;
• and
• presenting, by a computing device, a graphical representation of a plurality of milestones on a graphical user interface, wherein the plurality of milestones comprises at least the total amount and the third schedule.