Planning for the future is hard - we're here to help. Input your goals and lifestyle details, and Next Dollar will show you how to optimize your financial plan.
About 5 minutes No account needed $12 one-time
Where every dollar goes
Pick the situation closest to yours.
Your match and cash cushion come first.
Pick the situation closest to yours.
Your match and cash cushion come first.
Add what you save in Excel or Google Sheets.
| Account | Row | Annual target | Jan | Feb | |||
|---|---|---|---|---|---|---|---|
| 401(k) match | Plan | $6,000 | $500 | $500 | |||
| 401(k) match | Actual | $6,000 | $500 | $400 | |||
| Safety net | Plan | $1,200 | $100 | $100 | |||
| Safety net | Actual | $1,200 | $100 | $80 | |||
| PLANNED TOTALS | Plan | $7,200 | $600 | $600 | $600 | $600 | $2,400 |
Adjust savings, time, returns, taxes, and fees.
Rough estimate, not advice. Investing carries risk.
U.S. earners with money left to save each month who want an educational second opinion on cash, debt, 401(k), IRA, HSA, 529, and brokerage priorities. It is not designed for non-U.S. tax systems or complex business, equity-compensation, or estate planning.
You enter the full situation and see the first exact move free. The one-time unlock reveals every remaining monthly target, the reasoning, an adjustable forecast, setup checklist, and a personalized Excel/Google Sheets tracker.
No. You type the numbers you choose to share. Progress can stay in this browser. After checkout, Stripe stores an encrypted copy of the plan so the private re-access link can reopen it.
The current model uses reviewed 2026 federal contribution limits and phaseouts. Future-year limits are labeled estimates. The methodology page shows the assumptions and the app displays the applicable plan year.
Yes. The paying browser can revise answers without buying again, and the emailed private re-access link reopens the paid plan on another device. Treat that link like a password.
Stop before acting and send the inputs and unexpected result through the private contact form. Next Dollar is educational software and cannot see every employer-plan, tax, or household detail.
If you are not satisfied with the unlocked plan, request a full refund. Submit the checkout email through the contact form; requests are reviewed within three business days.
No. It is a rules-based educational estimate, not individualized financial, investment, tax, or legal advice. Confirm eligibility and important decisions with the relevant plan provider or qualified professional.
Read the methodology, terms, and refund policy.