Everything the free sequencer computes, rendered as paper you keep: your filled plan, the click-by-click walkthroughs, the 30-day plan, the full tables, the card deck, the workbook.
Two minutes. Ten plain questions. Your order.
Tell it your situation — age, the money in hand, the debt and its rate, the match at work, the accounts already open. It returns the standard published order of money steps with your numbers in every step, the reason for each step in one sentence, and every hard word one tap from its plain-words card.
This tool shows the standard published order of money steps using your numbers. It is education, not advice about you.
It runs entirely in your browser. Nothing you type is sent anywhere or stored.
It uses the order this site settled on after comparing the famous published frameworks openly — the community Prime Directive order, with the 5–10% APR debt band shown explicitly instead of buried. The full comparison, disagreements included, is on the Orders, Compared pages.
Its figures are the 2026 IRS census: 401(k) limit $24,500 with an $8,000 catch-up at 50+ and the $11,250 super catch-up at ages 60–63; IRA limit $7,500 with a $1,100 catch-up at 50+; Roth phase-outs of $153,000–$168,000 (single) and $242,000–$252,000 (married filing jointly); HSA $4,400/$8,750; health FSA $3,400. 2026 figures: IRS Notice 2025-67 and IR-2025-111 (Nov 13, 2025); HSA: Rev. Proc. 2025-19; health FSA: Rev. Proc. 2025-32. Checked October 23, 2026.
What it will never do: name a stock, a fund, or a ticker for you, set your mix, or tell you what to buy. Anyone who does that from your situation is acting as your adviser. This tool teaches the order and the mechanics — the choosing stays yours, with the decoder cards beside you.