RothRadar

RothRadar is a mobile + web AI-assisted planner that tells individuals exactly how to prioritize and fund tax-advantaged accounts (401(k), IRA/Roth IRA, HSA, 529) based on their real constraints: income limits, employer match rules, vesting, contribution deadlines, and tax bracket. Users connect payroll and brokerage data to see current-year contribution pace, projected year-end totals, and the cheapest adjustments to hit targets (e.g., “increase 401(k) by 2% for 6 paychecks, then switch to HSA”). It flags common costly mistakes—missing match, Roth vs traditional mismatch, HSA underuse, excess IRA contributions, and late-year scramble. It also generates a simple “tax-advantaged checklist” for the year and a one-page export for your CPA. This is not a robo-advisor; it’s a contribution optimization and compliance guardrail layer.