Tax-Advantaged Order

Rule-of-thumb contribution priority from match % and HSA eligibility (educational).

Tax Disclaimer

This calculator provides estimates based on general tax rules and may not reflect your specific situation. Tax laws vary by jurisdiction and change frequently. Consult a qualified tax professional or CPA for advice tailored to your circumstances.

Inputs

Employer match %

HSA-eligible HDHP?

Tab to move between fields

Results

Rule-of-thumb order

401(k) match → HSA → IRA → taxable

401(k) score140

HSA score65

IRA score25

How to Use This Calculator

Enter the employer match percentage on your 401(k) — always contribute enough to capture the full match first.
Indicate whether you have access to an HSA-eligible high-deductible health plan.
Review the suggested contribution order: 1) 401(k) up to match, 2) HSA if eligible, 3) IRA, 4) max 401(k), 5) taxable brokerage.
Use the priority scores to understand the tax advantage ranking of each account type.
This order maximizes tax efficiency by prioritizing free money (match), then tax-free accounts (HSA, Roth IRA), then tax-deferred.

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