How we compute
How Rungline computes your plan
Same input, same output. Every dollar figure comes from the engine, not from a language model. You can open the arithmetic in one click.
On this device
Bank statements and tracker exports are parsed in your browser. Nothing you paste or drop is transmitted. We never move money.
Published limits
Contribution room uses IRS notices and revenue procedures for an explicit tax year. For 2026 that is Notice 2025-67, Rev. Proc. 2025-19, and Rev. Proc. 2025-32. Self-employed capacity cites Pub 560. A missing year fails loudly. We do not silently reuse last year's figures.
Labelled assumptions
When a figure is not known, the intake labels what it used. Instant mode uses the midpoint of an income band. An unknown employer match is 4% of pay at 50 cents on the dollar. Omitted YTD contributions are $0. SIMPLE room is the 3% match plus the generally applicable elective limit in that year's data file.
When we stop instead of guessing
This situation is special. To stay safe, we do not compute a recommendation in these cases. A CPA or tax advisor can help with that specific decision:
- IRA income limits where Roth rules change (phase-outs)
- W-2 plus 1099 income without a profit split
- A SIMPLE IRA stacked on a W-2 401(k)
- An S-corp without entered W-2 wages