Profile & Goals
Define your 1–7 year financial goals. This is your bridge between daily life and long-term wealth — flexibility, safety, and growth all at once.
Total Goals
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Active medium-term goals
Total Needed
$0
Sum of all goal targets
Current Portfolio
$0
All mid-term accounts
Goal Coverage
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% of goals funded
Health Score
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Personal Information
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Monthly Cashflow & Savings Capacity
Enter your income and expenses above to see your savings capacity.
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Your 1–7 Year Goals
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Accounts & Holdings
Enter accounts appropriate for a 1–7 year horizon. Long-lock retirement accounts (401k, traditional IRA with 10+ year horizon) belong in the retirement planner. Roth IRA contributions and 529 plans are included here due to their flexibility.
Total Mid-Term
$0
All accounts combined
Liquid (Taxable)
$0
No penalties to access
Tax-Advantaged
$0
Roth, HSA, 529
Monthly Contributions
$0
Total added per month
Your Mid-Term Accounts
Account / Name
Type
Current Value
Monthly Contrib.
Return
Account Type Distribution
Projected Growth by Account (Next 7 Years)
Liquidity Spectrum — Access Without Penalty
Add accounts above to see your liquidity spectrum.
Goal Funding Analysis
See exactly which goals are on track, which are under-funded, and where the stressors are. Red means action required.
Fully Funded
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Goals on track
Partially Funded
0
Need more savings
Underfunded
0
Significant gap
Total Funding Gap
$0
Additional savings needed
Add goals and accounts to see funding analysis.
Goal Funding Status
Monthly Savings Required per Goal
Add goals to see monthly breakdown.
Priority × Timeline Matrix
Add goals to populate the priority matrix.
Allocation Architecture
A tiered, goal-based framework assigns the right account to each goal — matching risk, liquidity, and tax treatment to your specific timeline and needs.
Portfolio Health Score
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SCORE
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Recommended Allocation Mix
Complete goals and accounts to generate your recommended allocation.
Suggested Allocation by Goal Type
Tiered Bucket Framework
1
Safety Bucket — 0–2 Years
Cash, HYSA, CDs, Money Market — no risk, fully liquid
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Keep 3–12 months of all near-term goal funding here. This buffer prevents selling growth assets at a loss during short-term market dips.
2
Stability Bucket — 2–4 Years
Bonds, balanced funds, I-Bonds, conservative ETFs — modest growth + protection
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Mid-range goals benefit from some growth while maintaining downside protection. Target 3–5% real return with lower volatility.
3
Growth Bucket — 4–7 Years
Index funds, ETFs, growth stocks, REITs — equity-heavy for maximum growth
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Longer-horizon goals can absorb market volatility. Equity-heavy allocation targets 6–9% annual return. Roth IRA is ideal here — tax-free growth.
4
Opportunity Bucket — 529 / HSA / Tax-Advantaged
Tax-advantaged vehicles that serve dual purposes — growth + specific goal
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529 for college saves state taxes. HSA triples as emergency/retirement/medical fund. Maximize these before taxable accounts for specific-purpose goals.
Tax Optimization
Medium-term investing has unique tax considerations. The right account choice can save thousands over 3–7 years — and set you up for long-term tax efficiency.
Est. Tax Bracket
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Marginal federal rate
Cap Gains Rate
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Long-term ≥ 1 year
Tax-Free Growth
$0
Roth + HSA + 529
Est. Annual Tax Drag
$0
On taxable accounts
Tax Efficiency by Account Type
Add accounts to see tax efficiency breakdown.
Tax-Smart Sequencing Rules
Rule 1 — Hold > 1 Year: Always hold taxable investments for over 12 months. Short-term gains taxed as ordinary income; long-term rates are dramatically lower.
Rule 2 — Asset Location: Put high-growth assets in Roth IRA. Keep bonds and income in taxable (where you'll do tax-loss harvesting). REITs belong in Roth/HSA.
Rule 3 — Tax-Loss Harvesting: When a taxable position is down, sell and reinvest in a similar fund. Capture the loss to offset gains elsewhere — no wait, just swap similar funds.
Rule 4 — 529 First for College: State deduction on contributions + tax-free growth. Even a 1-year window is worth using if your state has deductions.
Rule 5 — HSA Triple-Tax: Contribute pre-tax, grow tax-free, withdraw tax-free for medical. After 65, withdraw for anything (ordinary income only). Ultimate vehicle for unexpected costs.
Tax Action Calendar — Medium-Term Horizon
⚡ Year 1 Actions
• Max HSA contributions ($4,300 single / $8,550 family)
• Maximize Roth IRA if eligible ($7,000 / $8,000 if 50+)
• Fund 529 for any education goals
• Identify tax-loss harvest candidates in taxable
• Document cost basis for all new positions
• Maximize Roth IRA if eligible ($7,000 / $8,000 if 50+)
• Fund 529 for any education goals
• Identify tax-loss harvest candidates in taxable
• Document cost basis for all new positions
🔄 Ongoing (Each Year)
• Review gain/loss positions in December
• Harvest losses to offset capital gains
• Rebalance in tax-advantaged accounts first
• Review RSU/option vesting and tax impact
• Evaluate Roth conversion opportunities
• Harvest losses to offset capital gains
• Rebalance in tax-advantaged accounts first
• Review RSU/option vesting and tax impact
• Evaluate Roth conversion opportunities
🏁 Pre-Goal Withdrawal
• Sell taxable positions in low-income years
• 0% LTCG if income < $47,025 (single 2024)
• Withdraw Roth contributions first (always tax-free)
• Use HSA for any qualified medical in that year
• Stage withdrawals over 2 tax years if large
• 0% LTCG if income < $47,025 (single 2024)
• Withdraw Roth contributions first (always tax-free)
• Use HSA for any qualified medical in that year
• Stage withdrawals over 2 tax years if large
Roth IRA vs. Taxable Brokerage — Side by Side (for medium-term goals)
| Feature | Roth IRA | Taxable Brokerage | HYSA / CDs | 529 (Education) |
|---|---|---|---|---|
| Contribution Limit | $7,000 / yr | Unlimited | Unlimited | Unlimited (gift tax after $18k) |
| Tax on Growth | Tax-free | Capital gains tax | Ordinary income | Tax-free (if qualified) |
| Penalty-Free Access | Contributions only, anytime | Anytime | Anytime (penalties on CDs) | Education expenses only |
| State Tax Deduction | No | No | No | Yes (most states) |
| Best Horizon | 4–7 years | 1–7 years | 1–2 years | Any (education use only) |
| Risk Level | Your choice | Your choice | Very Low | Your choice |
| Flexibility | Medium (contrib. only) | Very High | High | Low (non-edu = penalty) |
Your Action Plan
A prioritized, personalized set of actions to keep every goal on track — with special attention to stressors and gaps.
Add goals and accounts on tabs 1 and 2 to generate your personalized action plan.
Important Disclosure: This medium-term wealth plan is prepared by Start Your Finances Right for informational and educational purposes only. It does not constitute investment, tax, legal, or financial advice. All projections are estimates based on user-provided assumptions and may differ materially from actual outcomes. Investing involves risk, including possible loss of principal. Past performance is not indicative of future results. Tax rules are subject to change. Please consult a qualified financial advisor, CPA, or attorney before making financial decisions. This tool runs entirely in your browser — no data is transmitted or stored externally.