Stop guessing where your next dollar should go.

A clear order for your money. Built around your situation.

Try a sample plan

Pick the situation closest to yours.

Your match and cash cushion come first.

Start with you

Base pay$60,000/yr
Monthly bills$2,600/mo
Savings goal$1,200/mo

See every answer behind this order

FilingSingle or filing on my own
Start dateToday, Oct 27, 2026
Base pay$60,000/yr
BonusNo bonus
AgeUnder 50
Savings goal$1,200/mo
Monthly bills$2,600/mo
Cash saved$5,000
Safety net size3 months
DebtNo debt
Plan at workYes
Employer match$3,000/yr · 100%
Work plan so far$1,500
Your own IRAOpen a Roth IRA
IRA so far$0
Health accountNo, or not sure

Savings Goal:$1,200/mo

1.Pre-tax 401(k) matchMonthly target$500Contributed so farYear-end target$3,000
Why: Your employer adds money when you contribute, so capture the match before funding unmatched accounts.
Target: $500/mo for full match
What to buy:
Target-date fund
Where:
Your employer's plan provider
2.Safety netMonthly target$700Contributed so farYear-end target$7,100
Why: A cash cushion covers surprise bills without taking on debt or selling investments.
Target: Save $700/mo until about $7,800.
What to buy:
HYSA
Where:
An FDIC-insured savings account

Built for U.S. personal-finance rules. You enter the numbers yourself. Educational estimates, not financial advice.

Next Dollar: Know where your money should go each month.