Frequently Asked Questions
Is this financial advice?
No. This is an educational tool based on the flowchart by u/happyasianpanda from r/personalfinance. It visualizes general principles. We do not know your specific tax situation, dependents, or local laws. Consult a CPA or fiduciary for personalized advice.
Why 2025/2026 Limits?
We default to forward-looking limits so you can plan your upcoming year. Tax limits (like 401k max) often change slightly each year due to inflation adjustments.
Where is my data stored?
Nowhere but here. Everything is stored temporarily in your browser's memory state while you run the session. If you refresh, it resets. We do not send your financial data to any server, database, or third party.
Why follow this order?
This "Order of Operations" is designed to mathematically optimize your wealth building. It prioritizes "free money" (employer match) and high-interest debt payoff > tax-advantaged growth > standard accounts.
Is this updated for 2025/2026?
Yes. We use the official IRS limits for 2025 where available, and projections for 2026 based on current inflation data.