US Finance · Updated 2026
US Financial
Guides & Deep Dives
In-depth guides on 401(k), IRA and HSA contribution limits, 1099 side hustle tax, and the tools Americans actually use to track money. Sourced to IRS publications, refreshed when the rules change.
Track all of this in the app
Richify tracks your 401(k), Roth IRA, HSA, brokerage and property — your contribution room, balances and net worth percentile update automatically. Free on iOS and Android.
Contribution limits 2026
401(k) Contribution Limits 2026 — IRS Rules & SECURE 2.0
The 2026 elective-deferral cap, employer + employee combined limit, catch-up rules, the SECURE 2.0 super-catch-up at 60–63, and how the limits roll forward from 2025.
Free to read · 2026 figuresIRA Contribution Limits 2026 — Roth & Traditional IRA Rules
Roth + Traditional IRA caps for 2026, the income phase-outs that shrink your Roth eligibility, spousal IRA rules, and how IRAs stack with a 401(k).
Free to read · 2026 figuresHSA Contribution Limits 2026 — IRS HSA & HDHP Rules
Self-only and family HSA caps for 2026, HDHP deductible + out-of-pocket minimums, the 55+ catch-up, and the triple-tax-advantage math that makes the HSA the best retirement account most people ignore.
Free to read · 2026 figuresContribution limits — prior year
401(k) Contribution Limits 2025 & 2026 — IRS Rules
Side-by-side 2025 vs 2026 limits, when each takes effect, mid-year job-change handling, and the difference between elective-deferral and total-additions caps.
Free to read · 2026 figuresIRA Contribution Limits 2025 & 2026 — Roth & Traditional
2025 IRA caps and phase-outs, what changes for 2026, the prior-year contribution deadline (April 15), and how to fix excess contributions before the IRS charges 6%.
Free to read · 2026 figuresHSA Contribution Limits 2025 & 2026 — IRS HSA Rules
2025 self-only and family HSA caps, HDHP plan requirements, last-month-rule mechanics, and how to true-up your 2025 contribution before the April 15, 2026 deadline.
Free to read · 2026 figuresTools & apps
6 Best Mint Alternatives in 2026 (Free & Paid)
Side-by-side review of the six strongest Mint replacements after the November 2024 shutdown — feature set, pricing, account coverage, AI features and migration guidance.
Free to read · 2026 figuresHow to Cancel Netflix, Disney+, Spotify, Hulu & More in the US
Step-by-step cancellation instructions for the 20+ subscriptions Americans forget about, retention-offer tactics that actually work, and how to spot zombie charges on your card.
Free to read · 2026 figuresRelated US data + tools
Average net worth by age
Federal Reserve SCF — interactive percentile by age cohort.
Free US calculators
401(k), Roth, HSA, FIRE, opportunity-cost and more.
401(k) vs Roth IRA
Side-by-side after-tax projection by income + bracket.
Roth conversion calculator
Project the tax cost of converting Traditional → Roth.
FIRE calculator
4% rule SWR + bridge-portfolio math for early retirement.
State tax escape
Compare lifetime tax burden across all 50 states.
Net worth tracker
Connect every account in one app — 401k, Roth, property.
Portfolio tracker
Brokerage + 401(k) + Roth holdings in a single dashboard.
