YOUR MONEY, WITH A PLAN

Your money. One step at a time.

Build your monthly plan, then explore your next steps.

SAMPLE PROFILEYou’re viewing example numbers. Replace them with your own, or start fresh.

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Start with your month.

Enter what you receive and what you pay. Your remaining cash updates as you go.

AFTER SPENDING & PLANNED SAVINGSIn balance

$225/ month

Money still available after your monthly plan.

Take-home income$1,800

Spending + debt$1,450

Planned savings$125

Savings and debt are set in . They are already included in this result.

Where your money goes

Monthly

Amounts reflect your monthly plan.

YOUR NEXT MOVE

Give the extra money a job.

You have room left in your plan. Try raising your goal contribution to see the timeline change.

Give your money a purpose.

Keep your goal and emergency money separate, then check your debt timeline.

Your assigned cash savings

Goal balance + emergency balance. These are separate amounts, not the same dollars counted twice.

After spending and both savings contributions: per month remains.

Your savings goal

TIME TO YOUR TARGET

20 months

At $125 a month, starting with $500.

$500 saved$3,000 goal

12-month projection & assumptions

Projected savings in 12 months$2,000

Uses only money assigned to this goal. Emergency savings are kept separate. No interest, withdrawals, or investment returns assumed.

Your safety cushion

EMERGENCY FUND TARGET

$3,645

Based on your own monthly essentials.

Parents pay some bills? This target covers only expenses you pay yourself. It does not estimate what you would need if that support stopped.

Emergency fund balance

Emergency savings cover0.4 months

Time to selected target

12-month projection & assumptions

Emergency balance in 12 months

Contributions continue for the full illustration, even after the target is reached. No interest or withdrawals assumed. Essentials include housing, food, transport, bills, and your debt payment. Only your emergency balance counts toward this target; your goal balance does not.

Your debt timeline

ESTIMATED TIME TO PAY OFF

14 months

With your current monthly payment.

Estimated interest$0

Total paid$0

Payoff assumptions

Monthly interest, end-of-month payments, a fixed APR, and no new charges or fees. Actual lender terms may differ.

How to read this plan

Income minus living expenses and the debt payment gives your available cash. Subtract both your goal and emergency contributions to find what remains. Savings projections only appear when that contribution fits your budget. The goal projection uses only the goal balance and contribution. The emergency projection uses only the emergency balance and contribution. Assign each dollar once; the tool cannot check your real bank balances.

The emergency fund is a target you select, not a personalized recommendation. Debt estimates describe the entered payment even when your budget cannot support it; budget warnings show that separately. Calculations use unrounded values, while displayed dollars are rounded.

This is an educational planning tool. It does not connect to bank accounts or provide tax or investment recommendations.

EXPLORE WHEN YOU’RE READY

See what time could change.

Explore investing, then learn where a Roth IRA fits.

HYPOTHETICAL SCENARIO

Try a growth scenario

This separate scenario does not change your budget. Use money beyond your cash savings goal; do not count the same contribution twice.

What time could change

40-year illustration

ILLUSTRATED ENDING VALUE · START NOW

Money you put in

Illustrated gain / loss

If you wait 5 years

Start nowStart laterContributions · start now

View yearly milestones

Illustrated balances at selected years
Year	Start now	Start later	Contributed now

How this illustration is calculated

Assumes a constant effective annual return, converted to a monthly rate, with month-end contributions. Waiting means fewer contributions by the same ending year; any starting amount stays in cash at 0% until that start. No fees, taxes, inflation, withdrawals, or annual IRA limits are applied. Actual returns vary and losses are possible.

Hypothetical results. Returns vary, and investments can lose value.

Before you invest

Based on your budget

These checks highlight questions to resolve, rather than deciding for you.

Do you have qualifying compensation this year?

What this check does and doesn’t assess

Monthly budget support and annual IRA compensation are different. Some other income can qualify; see the IRS rules below. This check does not calculate Roth eligibility.

Roth IRA, in plain English

2026 rules

A Roth IRA is a retirement account that can hold investments. Contributions are not tax-deductible; qualified withdrawals are tax-free. Opening the account does not automatically invest its cash.

2026 combined IRA limit · under age 50$7,500

Or your qualifying compensation for the year, if lower. This limit covers all traditional and Roth IRAs together. Filing status and income can reduce Roth eligibility.

Family gifts alone do not create compensation. A parent can help fund your contribution if you have sufficient qualifying compensation and meet the other rules. Spousal IRA rules may also apply.

Roth IRA vs. a regular brokerage account

Feature	Roth IRA	Taxable brokerage
Purpose	Retirement, with tax rules	General investing
Tax treatment	Qualified withdrawals are tax-free	Investment income and realized gains may be taxable
Contributions	Compensation, annual and income limits	No IRA contribution limits
Access	Withdrawal rules depend on contribution and earnings history	No retirement-age withdrawal requirement

How to get started when you’re ready

Confirm your qualifying compensation and remaining annual IRA contribution room.
Compare account fees, investment choices, and account minimums at providers.
Choose a Roth IRA account explicitly if that is your intended account type.
Fund the account within your limits, then choose investments that fit your goals and risk tolerance.

You can learn and open an account without committing to a large contribution. Money for near-term needs needs separate consideration.

IRS sources & income limits

IRS rules checked October 2, 2026. Contribution limits · Roth basics · Compensation & income limits · Withdrawal rules

For 2026, single/head-of-household Roth income phaseout: $153,000–$168,000 modified AGI. Other filing statuses differ. IRS 2026 update. This guide is not a full tax eligibility review.

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