See when you'll hit $100K, $500K, $1M — and when you can retire.
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Paycheck
Events
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At a Glance
Starting Net Worth
$0
Year 1 End
$0
Final Net Worth
$0
Annualized Growth
0%
incl. contributions
Asset Allocation (Today)
Asset Allocation (Final Year)
Each row shows projected year-end balance. Cash accounts grow at the savings yield rate; investment accounts grow at their assumed annual return. Capital loss carryover automatically claims up to $3,000/yr against ordinary income.
Year 1 Net
$0
Year 1 Take-Home
$0
Year 1 Expenses
$0
Year 1 Taxes
$0
Income vs. Expenses Over Time
Where Each Dollar Goes (Year 1)
Savings Rate Over Time
Net Worth Trajectory
Asset Composition Over Time
Your Wealth Milestones
Total Contributed
$0
over forecast period
Total Growth
$0
market gains + interest
Total Taxes Paid
$0
federal + state + FICA
Avg. Savings Rate
0%
% of take-home saved
Account Growth Comparison
Tax Burden Over Time
Contributions vs. Growth (Stacked)
New take-home
$2,205per paycheck
+$5 vs current
Adjust the sliders below to model your 401(k) contribution.
Contribution Breakdown
Pre-Tax (lowers taxable income)10%
Roth (tax-free growth)5%
Total deferral15%
Edit your numbers ▾
Auto-synced from your sidebar inputs. Edit any field below to override.
$0
Your current take-home already reflects today's taxes — these rates aren't subtracted again. They're used to estimate how much additional tax you'd save if you shift more money into pre-tax 401(k). Each dollar moved from paycheck to pre-tax avoids tax at your marginal rate.
Paycheck Impact
New take-home / paycheckvs. current $2,200
$2,205
Change per paycheckmoney in your pocket
+$5
Annual 401(k) contribution$24,500 IRS cap for 2026
$13,650
Annual tax savingsat combined marginal rate
+$2,106
Side-by-Side Comparison
Current
$2,200
per paycheck
Pre-tax 401(k)10%
Roth 401(k)12%
Total deferral22%
Per paycheck contrib$770
Annual contribution$20,020
Annual tax saved$2,427
New Scenario
$2,205
per paycheck
Pre-tax 401(k)10%
Roth 401(k)5%
Total deferral15%
Per paycheck contrib$525
Annual contribution$13,650
Annual tax saved$2,106
Net Difference Per Paycheck
+$5 to take-home · $6,370 less to 401(k) yearly
+$5
Estimates compare your "new" deferral rates against the "current" rates you have set today. Tax savings use marginal rate × increase in pre-tax contribution. Actual paycheck withholding may vary based on IRS withholding tables. This tool is informational — confirm specifics with a tax professional.
Events are one-time amounts that hit a specific year. They flow through cash and adjust your trajectory.
Recommended Improvements
Personalized recommendations to optimize your tax strategy and reach your goals faster.
Build Your Picture
Walk through each step to shape your financial story. Your data auto-saves in this browser.
1
About You
Age, start year, and how far ahead to project
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2
Money Coming In
Salary, side income, anything that pays you
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3
Money Going Out
Yearly expenses and how they grow with inflation
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Recurring expenses
Buffer for unexpected costs
Total monthly expenses$0
4
Where Your Money Lives
Cash, brokerage, 401(k), Roth, HSA — balances and contributions
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5
Behind the Numbers
Tax rates, growth assumptions, capital loss carryover