Tax-Smart Allocation

Maximize your retirement savings by funding accounts in the optimal order

Tax-Advantaged
$30K
annual tax-sheltered savings
Tax Savings
$6K
22% marginal rate
Employer Match
$3K
free money from employer
Savings Rate
33.0%
of gross income
Your Info
$100K
30 yrs
yrs
65 yrs
yrs
$30K
8%
%
Employer Benefits
50%
%
6%
%
No cap
Where Your Money Goes
401(k) to Match
HSA
401(k) Max
Roth IRA
Priority Order
1401(k) to MatchPre-tax
$6,000 / $6,000

Get 50% employer match — it's free money

Maxed out
2HSATriple tax-free
$4,300 / $4,300

Tax-deductible, tax-free growth, tax-free medical withdrawals

Maxed out
3401(k) MaxPre-tax
$17,500 / $17,500

Pre-tax compounding reduces your taxable income now

Maxed out
4Roth IRAAfter-tax, tax-free growth
$2,200 / $7,000

Tax-free withdrawals in retirement, no RMDs

Employer adds $3,000/yr in matching contributions on top of your savings. This is free money — always contribute enough to get the full match.
Growth Projection
401(k)
HSA
Roth IRA
Taxable

Projected total at age 65: $6.1M