About Next Dollar
Next Dollar is independently built and maintained educational software and operated by Next Dollar. It is designed for U.S. personal-finance rules and currently uses reviewed 2026 federal limits. It turns the assumptions you enter into a model of which broad category may come next: cash savings, debt payoff, workplace retirement, IRA, HSA, 529, or a regular investing account.
What it does
- Shows an assumption-based priority order for common account categories.
- Explains the simplified rules and tax concepts behind the estimate.
- Shows a preview of the first move, then unlocks the full plan with a one-time payment.
- Creates optional share links, save-as-PDF copies, and downloadable trackers.
What it does not do
- It does not provide financial, investment, tax, legal, or fiduciary advice.
- It does not recommend buying or selling any specific security.
- It does not manage accounts, handle money, prepare tax returns, or review your full situation.
How it is maintained
Contribution limits and phaseouts live in a centralized, versioned rules file. The release test suite runs deterministic scenarios, property checks, tracker reconciliation, security checks, and midyear/catch-up cases. The applicable rule year is shown in the product; later-year limits are labeled estimates until official.
Next Dollar does not claim professional credentials it does not have. The methodology is published so customers and qualified reviewers can challenge assumptions and report results that look wrong.
Privacy posture
The questionnaire runs in the browser. Your answers can be saved on this device so you can resume, and share links can encode plan details after the URL's # symbol. Anyone with the full copied link may be able to reopen the plan, so only share it with people you trust.
Before acting
Account limits, tax rules, phase-outs, employer-plan features, and state rules can change. Before making a real investment, contribution, conversion, or tax decision, review the details with a qualified fiduciary adviser, CPA, attorney, or benefits professional who can consider your full circumstances.