Guide Roth vs Traditional: How to Actually Decide
Every explainer says "it depends on your future tax rate." Almost none of them tell you how to guess at that.
Investing & Retirement
Retirement accounts and the limits that govern them, plus where to open your first brokerage account. 401(k) and IRA limits are updated the day the IRS publishes them.
Calculators 5
Work out a number using the rates we publish.
- 401(k) Growth Calculator What contributions and a match compound into over a working life, and the two places the projection stops telling the truth.
- Net Worth Calculator: What You Own Minus What You Owe One number for your whole financial position, plus the version that matters in a crisis.
- Roth vs Traditional Calculator: Pay Tax Now or Later One question in disguise: will your tax rate be higher now, or later?
- FIRE Number Calculator: The Target and the Timeline Annual spending divided by a withdrawal rate, and the assumptions that number hides.
- Compound Interest Calculator: What Time Actually Does The size of the growth is not the interesting part. When it arrives is.
Guides 5
How a rule works, and what it means for you.
Guide 
Guide When You Can Deduct an IRA Contribution in 2026
You can always contribute to a traditional IRA. Whether you can deduct it is a different question entirely.
Guide 401(k) Catch-Up Contributions in 2026, by Age
Turning 50 raises your 401(k) ceiling. Turning 60 raises it again, and only for four years.
Guide IRA Contribution Limits for 2026, and the Phase-Outs
$7,500 for 2026, but whether you can deduct it depends on your income.
Guide 401(k) Contribution Limits for 2026, and Who Can Add More
$24,500 in 2026, and more if you are over 50, with a bigger window at 60.
Comparisons 3
Ranked picks, with the criteria stated first.
Comparison Best HSA Providers for 2026, Ranked by Fees
Fidelity’s HSA is the default if you can open your own account, since it charges no account fee and lets your full balance be invested with no cash minimum held back. Lively is a close alternative wit
Comparison Best Robo-Advisors for 2026, Ranked by Fee
Wealthfront if you want it fully automated, including tax-loss harvesting. If you are willing to buy one broad index fund and leave it alone, a plain Fidelity account costs less.
Comparison Best Brokers for Beginners in 2026, Ranked by Fees
Fidelity for almost every beginner: zero-fee index funds, no minimum, and it can hold your IRA too. Wealthfront if you would rather not choose funds at all. Robinhood only if a simple interface is wha