Your Personal Wealth Plan
Answer a few questions and get the three moves that matter most for you, in order, with your own numbers. Everything runs in your browser. Nothing you enter is saved or sent anywhere.
How the Personal Wealth Plan works
The Personal Wealth Plan answers the question most people get stuck on: where should I start? You enter your age, income, cash savings, monthly essentials, what you already have invested, what you invest each month, any high-interest debt, your employer's 401(k) match, whether you have an HSA-eligible health plan or an IRA, and how many kids you have. The plan ranks your next money moves in order and puts your own numbers on each one.
The order follows a standard sequence. First, a starter emergency fund of one month of essentials. Then claim your full employer match, which is an instant 50% to 100% return. Then pay off high-interest debt like credit cards. Then build a cushion of three months of essentials, raise your investing to 15% of your income, use tax-advantaged accounts in order (HSA, then IRA), check your fees, start a 529 plan for your kids, and match each account to when you will need the money.
Projections assume a 7% average annual return, compounded monthly, and a retirement age of 65. Everything runs in your browser. Nothing you enter is saved or sent anywhere.
Frequently asked questions
Where should I start investing?
For most people the order is: a small emergency fund (about one month of essential expenses), then contribute enough to your 401(k) to get the full employer match, then pay off high-interest debt, then build three to six months of savings while investing 15% of your income in low-cost index funds through tax-advantaged accounts. The Personal Wealth Plan applies this order to your own numbers.
How much of my income should I invest?
A common target is 15% of your gross income for retirement, including any employer match. If that is not possible yet, start with any amount you can keep up and raise it by 1% of pay every few months or with each raise.
Should I pay off debt or invest first?
Get your full employer 401(k) match first, since it is an immediate 50% to 100% return. After that, pay off high-interest debt such as credit cards, which commonly charge over 20% a year, before investing more. Paying it off is a guaranteed return that investing cannot promise.
How much does waiting a year to invest cost?
It depends on your age and how much you invest. With a 7% average return, skipping one year of $500 a month at age 30 can mean roughly $66,000 less by 65, because that money misses 35 years of compounding. The Personal Wealth Plan calculates this with your numbers.
Is the Personal Wealth Plan financial advice?
No. It is an educational, rule-based tool. Results are hypothetical projections, not guarantees, and do not consider every part of your situation.