Most people miss $1,000–$5,000/year in employer match and HSA tax savings — without knowing it. Enter 6 numbers to find yours.
Takes about 60 seconds. Uses 2026 IRS limits.
W-2 or self-employment income before any deductions
For federal income tax brackets
e.g., 50 = “50% match”
e.g., 6 = “up to 6%”
Educational estimate only — not financial or tax advice. See footer for sources.
Your employer's matching contribution is a guaranteed 50–100% return on every dollar — up to a cap. We show you exactly how much free money you're leaving on the table.
HSA contributions are pre-tax in, grow tax-free, and come out tax-free for medical expenses. At a 22% marginal rate, every $1,000 under-contributed costs you $220 in unnecessary taxes.
Whether to pay taxes now (Roth) or later (Traditional) depends on your current bracket vs. your expected retirement income. We give you a directional recommendation in seconds.
We look up the actual IRS contribution limits every year — not outdated guesses. The 2026 limits were set in IRS Notice 2025-67 (401k/IRA) and IRS Rev. Proc. 2025-19 (HSA). Tax brackets are from IRS Rev. Proc. 2025-32 (incorporates the One Big Beautiful Bill Act).