Retire With Confidence: Accounts, Order, and the Number
Master the U.S. retirement system: which accounts to fund in which order, what your number is, and how to draw it down without fear.
For savers who want a plan, not predictions.
- Course step 6Master Your U.S. Retirement AccountsThe map: 401(k), IRA, Roth, HSA, and the order that wastes nothing.
- GuideRoth vs. Traditional: The One Question That Decides ItThe one question (your bracket now vs later) that decides the Roth debate.
- Free tool401(k) CalculatorProject the balance and never leave employer match on the table.
- Free toolRoth vs. Traditional CalculatorRun your own numbers on the Roth question.
- Free toolRoth IRA CalculatorProject what steady Roth contributions become, all of it tax-free.
- Free toolRetirement CalculatorThe headline: what you will have, and whether it is enough.
- GuideWhat Is Financial Independence? Your FIRE Number and the 4% RuleWhere the 25x rule comes from and what it assumes.
- Free toolRetirement Withdrawal CalculatorStress-test the drawdown years before you live them.
- Free toolSocial Security Claiming CalculatorSee what claiming at 62 vs 67 vs 70 does to the monthly check.
- Free toolRMD CalculatorKnow the withdrawals the IRS will require in your 70s.
See your whole financial picture, calmly
Stoia brings everything you own and owe into one clear view. Launching in 2026 on iOS, Android, and the web.
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