Next Dollar

Stop guessing where your next dollar should go.

Planning for the future is hard. Share your goals and financial starting point, and Next Dollar will organize a practical plan around them.

See sample
Monthly priority order$1,200/mo
  1. 1Pre-tax 401(k) (employer match)Monthly amount$300/mo$1,200 contributed$3,600 match target
    Projected by year-end: $3,600 toward match target.    Details
    Why:Full employer match available
    Target:$300/mo for full match
    $1,200 contributed$3,600 match target
    Projected by year-end: $3,600 toward match target.
    What to buyTarget-date fund
    WhereYour employer's plan provider
  2. 2HSAMonthly amount$400/mo$1,500 contributed$4,400 annual limit
    Projected by year-end: $4,400 contributed.    Details
    Why:HSA eligible · $4,400/yr limit
    Target:$367/mo to HSA
    $1,464 contributed$4,400 annual limit
    Projected by year-end: $4,400 contributed.
    What to buyGlobal stock index
    WhereYour HSA provider
  3. 3Roth IRAMonthly amount$500/mo$0 contributed$7,500 IRA limit
    Projected by year-end: $4,300 contributed.    Details
    Why:Eligible for a Roth IRA: Fund the Roth IRA next · $7,500/yr IRA limit
    Target:$533/mo to Roth IRA
    $0 contributed$7,500 IRA limit
    Projected by year-end: $4,264 contributed.
    What to buyGlobal stock index
    WhereA low-cost brokerage

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Pick the situation closest to yours.

Your match and cash cushion come first.

Start with you
  • Base pay$60,000/yr
  • Monthly bills$2,600/mo
  • DebtNo debt
See every answer behind this order
  • FilingSingle or filing on my own
  • Start dateToday, Sep 12, 2026
  • Base pay$60,000/yr
  • BonusNo bonus
  • AgeUnder 50
  • Monthly savings goal$1,200/mo
  • Monthly bills$2,600/mo
  • Cash saved$5,000
  • Safety net size3 months
  • DebtNo debt
  • Plan at workYes
  • Employer match$3,000/yr · 100%
  • Work plan so far$1,500
  • Your own IRAOpen a Roth IRA
  • IRA so far$0
  • Health accountNo, or not sure
Monthly priority order$1,200/mo
  1. 1Pre-tax 401(k) (employer match)Monthly amount$400/mo$1,500 contributed$3,000 match target
    Projected by year-end: $3,000 toward match target.    Details
    Why:Full employer match available
    Target:$375/mo for full match
    $1,500 contributed$3,000 match target
    Projected by year-end: $3,000 toward match target.
    What to buyTarget-date fund
    WhereYour employer's plan provider
  2. 2Safety netMonthly amount$700/mo$5,000 saved$7,800 target
    Projected by December: $7,800 saved.    Details
    Why:Cash reserves are below the target: Fund the safety net before investing more
    Target:Save $700/mo until about $7,800.
    $5,000 saved$7,800 target
    Projected by December: $7,800 saved.
    What to buyHYSA
    WhereAn FDIC-insured savings account
  3. 3Roth IRAMonthly amount$100/mo$0 contributed$7,500 IRA limit
    Projected by year-end: $500 contributed.    Details
    Why:Roth eligible · $7,500/yr limit
    Target:$125/mo to Roth IRA
    $0 contributed$7,500 IRA limit
    Projected by year-end: $500 contributed.
    What to buyGlobal stock index
    WhereA low-cost brokerage
Built for U.S. personal-finance rules. You enter the numbers yourself. Educational estimates, not financial advice.