Tax-Smart Account Chooser
Answer a few questions and get a ranked funding order — which accounts to fill first, with dollar targets and the reasoning for each rank, in plain language.
Educational content only — this is NOT tax advice. Tax rules are complex, change yearly, and depend on your full situation. The limits below are the 2026 IRS figures; always confirm current numbers at IRS.gov or with a qualified tax professional before acting.
Your situation
Enter match % and the salary % it applies up to.
Not tax advice. This tool gives a general educational funding order based on widely used planning principles. Your situation may differ — deductions phase out at higher incomes, state taxes matter, and rules change. Confirm 2026 limits and your eligibility at IRS.gov or with a qualified tax professional.
Go Deeper with the Book
Accounts are the containers; strategy is the game. Taxes Made Simple by Kimani Upshur, M.Ed. explains the tax system in plain language anyone can use.