Repeat Fire · Account Optimizer
Contribution order
Tax-Advantaged Account Optimizer
You've got a dollar amount to invest this month. This tells you which bucket it should hit first — match, then triple-tax-free, then tax-advantaged, then taxable — so nothing free gets left on the table.
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Educational, not tax advice. Contribution limits and phase-outs change yearly and depend on your full situation. Verify current figures at IRS.gov or with a tax professional before acting.
Your numbers
Fill in what you know — defaults are reasonable placeholders.
Amount available to invest this month
$
Annual gross salary
$
Employer 401(k) match e.g. 50% up to 6% of salary
% match
% cap
HSA eligible (enrolled in a qualifying HDHP)
Self-only
Family
Not eligible
IRA contributions allowed at your income direct Roth/Traditional, not backdoor
Yes
No — over the limit
Strategy how to weigh liquidity vs. tax savings
Tax-efficient (ladder)
Liquidity-first
Current age / target FIRE age
Adjust contribution limits
401(k) annual limit
$
IRA annual limit
$
HSA limit (self-only)
$
HSA limit (family)
$
Where this month's money goes
Filled tiers are maxed for the month; the rest overflows down.