There are 102 tools on this site and almost none of them are yours this
year. Ten questions — none of them asking for an amount — and this page puts the handful that
are in the order the deadlines actually fall. It ranks by whether a window closes and stays
closed, never by how much money is involved: a small thing you cannot fix next year beats a large
thing you can. Everything is computed in your browser and nothing you enter reaches any server.
Ten questions
The two thresholds this page applies itself
Deliberately only two. This page decides which tool is yours; the tool it
sends you to owns its own rule and its own citation. A second copy of a statutory threshold here
would be a second thing to keep current and a second thing to go quietly wrong.
Three to six months of essential spending is the usual liquidity baseline — and it is a convention, not a rule verified
Consumer-finance guidance commonly describes an emergency reserve of roughly three to six months of essential spending as a planning baseline before committing more money to longer-term investments. It is important to be clear about what this is: a widely-repeated convention, not a statutory requirement, and not a number anybody can be held to. It is used here only to decide whether your liquidity is worth looking at first — and for anyone whose right to remain is tied to a job, the relevant number is larger than the general-population figure, which is a separate question this router hands to the Visa-Adjusted Emergency Fund rather than answering itself.
CFPB — consumer guidance on saving for emergencies (planning convention, not a statutory threshold)primary sourceverified 2026-08-29
An employer match is compensation you only receive if you contribute — which is why it is ordered first verified
Where an employer offers a matching contribution to a retirement plan, that match is generally payable only in respect of what the employee actually contributes: contributing below the level the employer will match forgoes the unmatched portion for that period, and it is not recoverable later. That single mechanism is why a match sits ahead of other retirement questions in this router's ordering — not because the amount is larger than anything else, but because the opportunity is period-bound and does not come back. Plan rules, matching formulas and vesting schedules vary by employer and are set in the plan document, not by statute.
IRS — 401(k) plan overview, employer matching contributionsprimary sourceverified 2026-08-29
Nothing here is advice, and nothing here is a score. This page does not tell you
what to do, does not rate your household against anybody else's, and produces no number summarising
you — it reads ten answers and says which pages answer the questions those answers raise, soonest
deadline first. A blank answer is treated as unknown and never as a problem: skipping a question
removes its dimension from the board rather than counting it against you.
We already computed the public version — it is complete and stays free.
This board is a reading order, not a set of numbers. Answer these once and the Square keeps it standing — and inside, the household plan works the arithmetic your own figures imply, in your browser: Join DesiSquare and the Square remembers your dates, re-runs this
when the rules change, and puts a credentialed human one message away.