Abstract: In an example, a computer-implemented method includes associating a network-connected device of a user with a financial account of the user, the financial account being provided by a financial services provider. The method also includes determining one or more cost factors associated with the network-connected device, at least one of the one or more cost factors being based on cost data that is sourced from a plurality of second network-connected devices that are comparable to the network-connected device and indicative of maintenance costs associated with the plurality of second network-connected devices. The method also includes determining a rate of contribution for the financial account based on the one or more cost factors associated with the device, and outputting the rate of contribution.