Free calculator

The Next $100 Calculator

Stop guessing what to fund first. Put in your income, your debt and your employer match, and get your order of operations plus exactly where your next $100 goes.

How to use it

  1. Enter your income and how much you can put toward goals.
  2. Add your savings, your debts and your 401(k) match.
  3. Get your steps, your split and when each goal is done.

Your numbers

Sample numbers. Replace them with yours.

Income

$

Before taxes

$/mo

Optional

$

What’s left after bills and minimum payments.

Savings

$
$

Rent, food, bills

Debts

Leave the minimum blank and we’ll estimate it.

401(k) match

%
% of pay
% of pay

Example: “100% up to 4%” or “50% up to 6%.” No match? Put 0.

More options

Filing and age set your Roth IRA eligibility and your 2026 limits.

See my plan
Your split

Your next $100 goes to

    Your order of operations
      Your milestones

        What your money does over time

          How this works

          Every dollar fills the steps in order. When a step is full, the rest spills to the next one.

          1. Starter emergency fund: $1,000 or one month of essentials, whichever is smaller.
          2. Employer match: raise your 401(k) to the percent your employer matches. It’s free money.
          3. High-interest debt (8% or more): highest rate first. Your minimums keep going on everything.
          4. Full emergency fund: 3 months of essentials (slide to 6).
          5. HSA if your health plan qualifies: up to $4,400 just you, $8,750 family (+$1,000 at 55+).
          6. Roth IRA: up to $7,500 ($8,600 at 50+). The limit shrinks for single incomes from $153,000 to $168,000 ($242,000 to $252,000 married, jointly). We use your yearly income as a stand-in for the IRS’s income measure.
          7. 401(k) toward the max: up to $24,500 of your own money ($32,500 at 50+).
          8. Debt at 4–8%: pay it off, invest, or split it. Your call.
          9. Brokerage and other goals: whatever is left.

          Debt under 4% gets its regular payment only. Payoff dates use monthly interest (rate ÷ 12) and assume you keep paying your minimums. When a debt is gone, its old minimum joins your goal money. Empty take-home is estimated at 75% of income ÷ 12, and empty essentials at half of take-home. 401(k) amounts are what goes into the account. Taxes, raises and investment growth are left out.

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          The fine print

          Educational only, not financial advice. This is a simple guide to help you decide what to fund first. Your situation may call for a different order.

          Limits are the IRS’s 2026 limits: 401(k) $24,500 (plus $8,000 at 50+), IRA $7,500 (plus $1,100 at 50+), Roth IRA income phase-out $153,000–$168,000 single and $242,000–$252,000 married filing jointly, HSA $4,400 self-only and $8,750 family. Sources: IRS Notice 2025-67 (announced Nov. 13, 2025) and IRS Rev. Proc. 2025-19, both on irs.gov.