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.
Bring a friend who'd use this — each signup pulls the launch closer.
$4.99 lifetime · or $19 / month SaaS · no charge today
Built by someone who already shipped 30+ tools
For a sense of what shipped looks like: relly.permissionlabs.com ↗
Find your stack in four moves.
Click any card to jump to its deep dive below.
Built for these decisions.
If any of these are your question, this is the tool.
Where do I put each dollar?
→ See the priority order. 401k match, HSA, Roth IRA, then 401k to cap.
Are we phased out of Roth?
→ Yes for direct contribution. Backdoor Roth path shown with the numbers.
Solo 401k or SEP IRA?
→ Both compared at your income with the dollar limit and tax saved per route.
Should I max Roth or traditional?
→ Bracket math projected to age 60. The cross-over year is marked.
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.
Four pieces, one tool.
Each piece ships in the first build for waitlist members. SaaS upgrades layer on top.
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.
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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.
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.
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.
- Default planSurvives 40y
- 2008 stressYear 17
- Aggressive drawYear 11
- ConservativeSurvives 40y
- + Save current scenarioSaaS
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.
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.
Saved scenarios, spouse view, year-over-year comparison, raise or job-change what-if. SaaS upgrade tier ($19/month).
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.
Which price would get you on the waitlist?
No charge today. The click tells me which tier is real demand. Early access price ≠ launch price.
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 · 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.
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.
More upcoming tools.
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.
Built by a real person. No silent vaporware.