Always fund the right account first.
Your next dollar always goes where it earns the most.
Accelerate your Financial Independence
Stop guessing where your next investment dollar goes
FIMaxer tells you the best funding order to maximize growth from every saved dollar. Personalized to your benefits and accounts.
Contribution tracker
2026
#1 401(k)/403(b) $24,500 / $24,500 Maxed
#2 HSA $1,830 / $4,400 On track
#3 Roth IRA $1,400 / $7,500 Behind
The problem
Multiple accounts. Changing rules.
Should I max my 401(k)/403(b) or fund a 529 next? What even is a mega backdoor Roth?
Funding them in the wrong order costs most households thousands per year.
Missed employer match
Often an immediate 50–100% return on those dollars, left on the table.
Unused tax advantages
HSA triple-tax advantage, backdoor Roth, ESPP discounts. Benefits that expire if you don't act.
Rules that keep changing
Did you know: SECURE 2.0 Act raised the catch-up contribution limit for ages 60–63 to $11,250 in 2025? Rules and limits change every year.
What you get
Less guessing. More maxing.
Never fall behind.
Know if you're falling behind on any limit before the deadline passes.
Understand every step.
Plain-English reasoning behind every recommendation.