Did you get your free money yet?
The system pays families who know the rules. See what yours is missing.
A match you have to opt into. A $1,000 seed you have to elect. Pre-tax accounts nobody explains. Most of this money sits behind choices that start switched off. We price each one for your family and show the switch that collects it.
- No sign-up
- Your numbers stay in your browser
- Every figure sourced and dated
plus $1,000 one-time
- HSA tax savings$2,164
- ESPP discount$1,324
- Dependent Care FSA vs credit$1,174
- 401(k) match not collected$1,125
Example: $75,000 salary, one child in daycare, family HDHP, 15% ESPP, Texas. Run your own numbers →
How the money leaks
Five leaks in one family’s paycheck. Five switches close them.
None of this is a loophole. These are rules written into tax law and your benefits plan. Each switch is one choice in the benefits portal; after that, payroll moves the money every pay period, before it reaches checking.
All five switches on: $5,787 a year stays with the family, plus $1,000 one-time.
Example: $75,000 salary paid every 2 weeks, one child in daycare, family HDHP, 15% ESPP, Texas. Same family as the statement above.
Send this to a coworker
One question starts it: “Did you get your free money yet?”
The 5-minute checklist walks them through all five switches, screen by screen, with the one question to ask HR. One tap to send. No sign-up.
2027 limits at a glance
Four numbers that decide how much you keep
Set by the IRS and federal law. Yearly room you do not use does not carry over to the next year. Each guide shows the math for a real family.
Sources: IRS Rev. Proc. 2026-24, IRS Notice 2025-67, irs.gov/trumpaccounts, 2025 tax law. Links in each guide.
How it works
Two minutes to a dollar figure. One payroll change to fix it.
- 1
Enter your numbers
Pay, benefits and kids. Nothing leaves your browser.
- 2
See the dollars
Each benefit you are missing, priced per year, with the math shown.
- 3
Flip the switches
Set each one in your HR portal once. Payroll does the rest every paycheck.
Free tools
Get your family's number first
Family Money Autopilot
401(k) match, Dependent Care FSA, HSA, ESPP and the Trump Account seed, priced for your family, plus the five payroll switches that collect them.
Your payroll switches
- 401(k) up to the full match
- Dependent Care FSA
- HSA through payroll
- ESPP enrollment
- Trump Account election
Money Score
Ten questions. A 0 to 1000 estimate of how well your money system works and what to fix first. Not a credit score.
Compound Interest Calculator
Watch money grow year by year, see the year interest passes what you add, and what starting late costs. Free, and it runs on your phone.
Open the calculator →Guides
Four places the money waits until you act
Trump Account seed
Treasury opened the account. It did not send the $1,000. A parent has to elect it on Form 4547.
How to claim it →Dependent Care FSA
Open enrollment is the main way in. Miss it and you pay daycare with taxed dollars for a full year.
FSA or credit? →HSA tax savings
Room you leave empty gets taxed instead. A 22% bracket family that fills $9,000 through payroll keeps about $2,668.
See the math →401(k) match
At $75,000, putting in 3% when the match goes to 6% leaves $1,125 a year with the company.
Collect the full match →The IRS resets these numbers every year. Get the 2027 ones the day they land.
One short email when the IRS makes next year's limits official, plus a one-page checklist. No spam. Unsubscribe any time.
How we work
Education you can check
Sourced
Every number links to the IRS, Treasury or the law, with the date we checked it.
Education only
No individual financial, tax, legal or insurance advice.
No paid rankings
If a page has a referral link, we say so before the link.
Private by default
Tool inputs stay in your browser. We only store what you submit, like your email.