Tax-free growth engine — allocation, fund rationale, and rebalance history for the Roth IRA specifically. Combined FIRE tracking and cross-account growth live on the Financial Overview page.
Update your numbers
Saves to your browser and persists between visits.
Target allocation %
2026 contribution pace
Target Roth IRA allocation
Recommended at age 33
Standard FIRE-adjusted model
Your actual allocation
Moderate — FIRE-focused
Your 5 funds — quick reference
Monthly Roth contribution — how to split
Account change history
A running record of every Roth IRA rebalance — what changed, the actual before/after split, and the reasoning behind it. Newest first.
Qualified dividends
Long-term capital gains rate0%
Under $49,450
15%
$49K–$545K
20%
Above $545K
Requirements: US or qualified foreign corporation · held 60+ days around ex-div date · not excluded (REIT, money market)
Your rate at $100K–$175K income: 15%Ordinary dividends
Taxed as regular income22%
$46K–$103K
24%
$103K–$197K
Always ordinary: bond interest, REITs, money market funds, non-treaty foreign companies
What to look for — typical ranges & red flags by fund type
General guidelines, not hard rules — context always matters. Use these to sanity-check a fund before you buy it, or to periodically re-check what you already hold.
Getting started
Click Check-in in the top right, fill in your current numbers, and click Save + update dashboard. Do this whenever your Roth balance changes meaningfully. Your numbers are saved in your browser and will be here next time — no login needed.
What each check-in field means
| Field | What to enter | Where to find it |
|---|---|---|
| Roth IRA balance | Current total value of your Roth IRA | Fidelity → Roth IRA → Total value |
| Your age | Used to compute the "recommended at your age" comparison pie | — |
| Roth monthly contribution | How much you're depositing into the Roth each month | Your automatic investment or manual contribution amount |
| Roth expected return | Assumed average annual market return, used elsewhere for combined projections | Default 7% (conservative real return) |
| Fund allocation % | Your target percentage for each of the 5 funds — should sum to 100% | Set intentionally, not pulled from Fidelity |
When to update
| Trigger | What to update |
|---|---|
| Monthly (payday) | Roth IRA balance — takes under a minute |
| Annually (January) | Your age |
| Whenever you rebalance | Tell Claude what changed and why — it gets added as a new entry on the History tab |
Key terms glossary
| Term | Plain English definition |
|---|---|
| Expense ratio | Annual fund fee as % of balance. 0.02% = $2/yr on every $10,000 invested |
| Qualified dividend | Dividend taxed at the lower long-term capital gains rate (15%) rather than the ordinary income rate (22–24%) — moot inside a Roth, where all dividends are 0% anyway |
| Tracking error | How far an index fund's actual return strays from the index it's supposed to copy — low is good for a passive fund |
| CAGR | Compound Annual Growth Rate — annualized return including compounding |
| Foreign tax credit | A credit for foreign tax withheld on international dividends — only claimable in taxable accounts, which is why VXUS now lives in the Brokerage account instead of here |