Software as a service (SAAS) services featuring software for managing, allocating, and withholding funds into dedicated benefits savings accounts for purposes including health insurance premiums, taxes, emergency savings, retirement, paid time off, and other savings goals, for enabling employer, platform, and enterprise partners to make defined contributions into such benefits savings accounts on a one-time, recurring, or conditional basis, for administering and tracking benefits contributions programs for large distributed and; Software as a service (SAAS) services featuring software for independent or full-time workforces, for integrating with workforce payment and payroll systems to facilitate automated funding, goal-setting, and reporting for portable benefits accounts