Your personalized investment roadmap

Enter your details and get the exact dollar amounts per account, in the right order — based on BudgetDog's proven priority framework.

Important note

This calculator reflects a generalized framework based on BudgetDog's investment account priority order. It's designed to give you a strong starting point — not a one-size-fits-all answer. Inside BudgetDog Academy, we personalize this framework to your specific goals, income situation, tax picture, and timeline. Use this as your foundation and bring your numbers to your coaching session for a plan built around you.

Your situation

Gross annual income

Your age

Employer plan type

Employer match (%)

Target savings rate (%)

Health coverage

I have an ESPP (Employee Stock Purchase Plan) with a guaranteed discount I'm enrolled in a High Deductible Health Plan (HDHP) — HSA eligible

Employer HSA contribution ($/year)

If your employer contributes to your HSA, enter that amount here — it reduces what you can contribute.

You're 50+ — catch-up contributions unlocked.
Your employer plan limit increases by $7,500 to $31,000 total. Your IRA limit increases by $1,000 to $8,500 total. Both applied automatically below.

You're 60–63 — SECURE Act 2.0 enhanced catch-up applies.
Your employer plan catch-up is $11,250 (not the standard $7,500), bringing your total limit to $34,750. Applied automatically below.

You're 55+ — HSA catch-up unlocked.
You can contribute an extra $1,000/year to your HSA on top of the standard limit. Applied automatically below.

Your allocation

Priority order — step by step

How to set this up