IRAThrottle

IRAThrottle is a mobile + web app (traditional + light AI) that monitors your year-to-date contributions across IRA, Roth IRA, HSA, and 401(k) sources and warns you before you overfund and create a tax mess. Users connect payroll providers and brokerages, then the app normalizes contributions (including employer vs employee, catch-up eligibility, and mid-year job changes) into a single “remaining room” dashboard. It generates proactive alerts (e.g., “Next paycheck will exceed HSA limit by $214”) and provides step-by-step fix checklists for common mistakes like excess IRA contributions, mistaken Roth eligibility, or double HSA funding. It also produces a clean export for your CPA: contribution totals, dates, sources, and recommended corrective actions. The AI portion is limited to explaining rules in plain English and drafting the correction instructions; it does not replace tax advice.