Not a budget. An order of operations. Tell it what you earn, what you owe and what you already have, and it will tell you the exact next move, the amount, and how long until you hit a hundred thousand.
Work down this list. Finish one, move to the next. Everything below your current step can wait, and that is the whole point — you are not behind on things you have not reached yet.
Totals count cash savings plus invested money. Debt is paid down along the way but isn't subtracted here. The projection assumes your income and expenses stay flat, which they won't — every raise you get pulls these dates earlier.
This tool is educational and reflects general principles and one person's experience. It is not financial, investment, tax or legal advice, and it does not account for your full situation. Investment returns are assumptions, not promises, and you can lose money investing. Contribution limits shown are for 2026 and change annually — verify current figures at irs.gov. For advice specific to you, speak with a licensed fiduciary advisor or a CPA.