Personal compiler · Plan of Jan 15, 2026
Your next dollar
Fund your HSA and IRA
$7,500
Remaining room this tax year, computed in this page.
Then $7500 to a Roth IRA: your marginal rate today is 10%, at or below the 15% you expect in retirement, so tax-free withdrawals later are worth more.
Two minutes
Open the HSA or IRA this step names and set the contribution. Not a fund.
How this was calculated
| 2026 IRA limit | $7,500 |
| IRA contributed year to date | −$0 |
| IRA room remaining | $7,500 |
IRS Pub 590-A, tax year 2026
The full sequence
- 1Cover your deductibleNot applicable
- 2Capture the full employer matchDone
How Capture the full employer match was calculated
How this was calculated Contribution needed for the full match (4%) $0 Currently contributing (0%) −$0 Additional contribution required $0 Employer match earned (50% of your contribution) $0 - 3Clear high-interest debtDone
- 4Build emergency reservesNot applicable
- 5Fund your HSA and IRANow · $7,500
How Fund your HSA and IRA was calculated
How this was calculated 2026 IRA limit $7,500 IRA contributed year to date −$0 IRA room remaining $7,500 IRS Pub 590-A, tax year 2026
- 6Max remaining retirement room$24,500
How Max remaining retirement room was calculated
How this was calculated 2026 elective deferral limit $24,500 Contributed year to date −$0 Remaining room $24,500 IRS, tax year 2026
- 7Invest toward your target rateNot applicable
- 8Prepay known future costsNot applicable
- 9Prepay low-interest debtNot applicable
Assumptions
Most people do not know their match formula. Check your 401(k) portal; a 6% match is worth more.
Using 4% at 50 cents on the dollar. Correct
Check it on a later file
Read a later statement to check whether the plan happened. We match the dated transfer and report kept, missed, or drifted — without scorekeeping or guilt.
When will you do this?
Pick a date and we will put the amount and the steps on a calendar invite. We never move money.
Next raise
Automate the transfer
These numbers leave no spare. Close the gap before automating a transfer.
We never move money.
Share this plan
This link puts your numbers in the address bar. They never reach our servers. It expires in 90 days. Raw transactions are not included.