Early access

Free tool · Next Dollar Planner

Pay off debt or invest? See where your next dollar should go.

Enter your income, expenses and debts. You'll get a step-by-step order for your emergency fund, employer match, debt payoff, HSA, Roth IRA and 401(k), with dates for each step.

Monthly cash flow
Take-home is after taxes and any 401(k)/HSA you already contribute. Leave debt payments out of essentials; you'll list those below.
About you
Workplace benefits
of what you put in…
of your salary
Other saving and investing
What you put in now from your take-home pay. We'll check whether it's going in the right order.
Debts

See my plan ↓

Your order of operations

Each dollar left after essentials and minimum payments goes to the first step that isn't finished yet.

    Where your monthly cash goes, next 5 years

    Take-home pay minus essentials. As debts are paid off, their payments move into savings and investing.

      Hover or tap a bar for details

      Debt payoff

      Highest interest rate first (the avalanche method), compared with paying only the minimums.

      Want a plan that keeps up with you?

      JANE Wealth Management is building a full money toolkit. Join early access to get:

      • A budget custom built for your household that updates when your income or debts change
      • Monthly check-ins showing the step you're on
      • The next tools in the suite, before anyone else

      We save your name, email and the step you're on, so updates fit where you are. Privacy policy