The Numbers
The figures household money actually runs on — each one sourced, dated, and linked to the guide that explains it. Below the board: calculators that run entirely in your browser. Nothing you type leaves this page.
Elective deferral limit; catch-up adds $7,500 at 50+. Source: IRS. Source · Our guide
Shared across traditional and Roth; $8,000 at 50+. Source: IRS. Source · Our guide
$30,000 married filing jointly. Source: IRS. Source · Our guide
Per depositor, per institution, per ownership category. Source · Our guide
$8,550 family; extra $1,000 at 55+. Source: IRS. Source · Our guide
Chapter 7 bankruptcy: 10 years. Source: CFPB. Source · Our guide
Earnings above it aren't taxed for Social Security. Source: SSA. Source · Our guide
Equifax, Experian, TransUnion — free at the official site. Source · Our guide
Above it, no Earned Income Tax Credit. Source: IRS. Source
The Calculators
What a recurring monthly amount becomes over time at a steady annual return. Illustration only — real returns vary year to year.
Assumes end-of-month contributions compounded monthly. See how compounding actually works.
Enter up to three balances. Same total monthly payment, two orderings — highest rate first vs. smallest balance first.
Avalanche (rate first)
Snowball (balance first)
The mechanics and the psychology: avalanche vs. snowball, honestly compared.
Months of essential expenses, scaled to how replaceable your income is.
Why the range beats the slogan: how much emergency fund you actually need.