FAQs

Next Dollar is for U.S. earners 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 can enter your situation and see the first exact move free. The $4.99 one-time Premium Bundle unlocks every remaining monthly target, the reasoning, adjustable projections, a persistent dashboard, and a customized Excel or Google Sheets compatible tracker.

No. You type only the numbers you choose to share. Next Dollar does not connect to a bank or brokerage. After you create an account, your saved plan is protected by authenticated access and database row-level security.

Your account gives you secure, cross-device access to the plan you purchased. It keeps your questionnaire, recommendations, projections, and progress together so you do not have to rebuild the plan when you return.

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. Sign in to your dashboard, edit the questionnaire, and Next Dollar recalculates the plan. Your updated answers and recommendations are saved automatically.

Yes. The Premium Bundle includes a customized .xlsx tracker. You can use it in Microsoft Excel or import it into Google Sheets.

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 a qualified professional.