Waitlist open ยท 0%

Tell us your income. We tell you exactly where to put each dollar across 401k, Roth IRA, HSA, and backdoor.

Type your income and filing status. We show your full contribution split across 401k, Roth IRA, HSA, and backdoor in priority order, with the tax savings number.

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Bring a friend who'd use this. Each signup pulls the launch closer.

See it live

$4.99 lifetime ยท or $19 / month SaaS ยท no charge today

๐ŸŒ Web toolยทfinance

Built by someone who already shipped 30+ tools

30+
tools shipped
2,300
weekly Google impressions
35d
day-by-day streak
12
ranked in top-10

For a sense of what shipped looks like: relly.permissionlabs.com โ†—

What it does

Find your stack in four moves.

Click any card to jump to its deep dive below.

Who it's for

Built for these decisions.

If any of these are your question, this is the tool.

$120K W2 earner, no plan yet

Where do I put each dollar?

โ†’ See the priority order. 401k match, HSA, Roth IRA, then 401k to cap.

$220K dual-income couple

Are we phased out of Roth?

โ†’ Yes for direct contribution. Backdoor Roth path shown with the numbers.

Self-employed, side income

Solo 401k or SEP IRA?

โ†’ Both compared at your income with the dollar limit and tax saved per route.

FIRE chaser at 30

Should I max Roth or traditional?

โ†’ Bracket math projected to age 60. The cross-over year is marked.

The problem

Five accounts, four phase-outs, one priority order. Nobody hands it to you.

Every January the IRS bumps contribution limits and every January you forget the new numbers. The 2026 limits are not the same across 401k, IRA, HSA, and Roth. Your eligibility for each phases out at different income levels. The order matters: employer match first, HSA second if you have a HDHP, then Roth or traditional depending on your bracket, then mega backdoor if your plan allows it. NerdWallet shows one box per account in isolation. A CFP charges $300 an hour to do the math. Most people leave $4K to $12K of tax savings on the table every year because nobody hands them the priority order with their numbers plugged in.

What you'd get

Four pieces, one tool.

Each piece ships in the first build for waitlist members. SaaS upgrades layer on top.

01 ยท feature

Income to per-account dollar split

Enter income, filing status, employer match terms, and HDHP status. Output is a ranked list: dollar amount and account, in the order you should fund them. Employer match goes first because it is a 100 percent return. HSA next when eligible because triple tax advantage beats every other account. Then Roth or traditional based on your bracket. Then mega backdoor if your plan allows.

AI subscriptions detected
  • Cursor Pro
    $20/mo
  • Claude Pro
    $20/mo
  • GPT Plus
    $20/mo
  • Midjourney Standard
    $30/mo
  • GitHub Copilot
    $10/mo
  • Perplexity Pro
    $20/mo
  • ElevenLabs Creatortrial
    $22/mo
  • Replicate
    $25/mo
Monthly total$167
02 ยท feature

Eligibility phase-out checker

Roth IRA phases out from 161K to 176K for single in 2026, 240K to 250K for MFJ. HSA needs HDHP coverage. Employer match has a vesting and cap. Mega backdoor needs after-tax 401k plus in-service rollover. We check all four against your inputs and tell you which routes are open or closed before showing the split.

Scenario picker
03 ยท feature

Tax savings projection

Annual tax savings shown two ways. This year, the dollar amount you keep instead of paying in federal and state. Over 30 years, the projected balance difference between maxing in priority order versus default 401k only at the match. Most people see a 200K to 600K gap.

Drawdown chart
year 22$1.0My0y40
04 ยท feature

Saved scenarios and spouse view

Save scenarios by year, compare last year to this year, run what-ifs for a raise or a job change. Spouse view runs the optimization across both incomes together, accounting for shared HSA family limit and joint Roth phase-out. SaaS upgrade tier.

Saved scenarios
  • Default plan
    Survives 40y
  • 2008 stress
    Year 17
  • Aggressive draw
    Year 11
  • Conservative
    Survives 40y
  • + Save current scenarioSaaS
Why paid

Today's tools don't do this.

Missing the employer match alone leaves $3K to $9K on the table. Skipping HSA when eligible leaves $1K to $4K in tax savings. Wrong Roth versus traditional choice in your peak earning decade compounds to $100K plus by retirement. A CFP charges $200 to $500 an hour to walk you through this once.

โœ—Each account in isolation. No priority order, no eligibility cross-check, no projection.
Their pricing
โœ—The numbers in plain prose. Zero math, zero personalization, zero recommendation.
Their pricing
Vanguard / Fidelity calculators
โœ—Marketing funnels for their funds. Single-account scope. Will not tell you to use a different broker for your HSA.
Their pricing
โœ—Same math, $200 to $500. Annual review only. No what-if button.
Their pricing
Account Stack 2026
โœ“Five-account priority engine ยท Phase-out cross-check baked in ยท 30-year projection per scenario ยท Updated within 24 hours of IRS bump
$4.99
Price anchor
Compared to
1-hour CFP / fiduciary advisor
Their price
$200~500 / hour
What you get
Same priority math a fiduciary runs in their first hour, $4.99 once. Re-run it every January when the limits move.
โœ“
What you get now

Income to dollar split across 5 accounts in priority order. Eligibility check on Roth phase-out, HDHP for HSA, mega backdoor. This-year and 30-year tax savings number. Updated for 2026 IRS limits.

โ†—
What's coming

Saved scenarios, spouse view, year-over-year comparison, raise or job-change what-if. SaaS upgrade tier ($19/month).

ยท
What's not included

Account opening, fund picks, tax filing. We tell you the dollar amount and the account; you open it at your broker. We will not file your 1040.

Pricing

Which price would get you on the waitlist?

No charge today. The click tells me which tier is real demand. Early access price โ‰  launch price.

Join the waitlist

Want this built?

Drop your email. No charge, no spam. You're saying "yes, I'd actually use this." That's the signal I'm looking for.

Hi, I'm Hyunyoung.

Solo builder ยท Choppy Toast

This page is a quick vibe-coded probe to test demand and gather feature requests. The actual product, when it ships, will be a polished, hand-built tool, not this scaffold.

For a sense of what "polished and shipped" looks like, here's another product I built: relly.permissionlabs.com.

FAQ

Honest answers.

Then I wait. The waitlist stays live forever, no expiry. The faster you tell a friend who has never opened the IRS limit table, the faster it ships.

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5 more on the waitlist and I build this.

No charge today. Drop your email, lock in the early-access price, and you hear first when it ships.

Email me directly

Built by a real person. No silent vaporware.