System and method for determining a bonus payment for a retirement income plan

Abstract

A computer-implemented method for generation of a periodic bonus payment amount for a user that has a personalized income plan, comprising the steps of obtaining, by a processor, information about a paycheck spending plan for the user, including information about a current real amount of the paycheck, a user's investment portfolio, including an actual return on the investment portfolio and an expected return on the investment portfolio, storing the paycheck spending plan information in a computer memory; determining, by a processor, a two bonus payment options, based at least in part on the current real amount of the paycheck, the actual return on the investment portfolio and the expected return on the investment portfolio, wherein the bonus payment amount is determined to be the greater of the two options; providing to a user, via a user interface, information about the bonus payment.

Dependencies are inferred from the claim text.