Abstract: A system and method which considers information such as amounts in one or more healthcare accounts of a consumer, limitations of a healthcare plan under which the consumer is covered, relevant tax rates for the consumer, rate(s) of return on investment for out-of-pocket fund(s) of the consumer, and rate(s) of return on investment for healthcare spending account(s) of the consumer to evaluate and inform the consumer how the consumer should spend the amounts in their healthcare accounts and/or out-of-pockets accounts to meet to-be-paid costs associated with a healthcare bill.