JANE Wealth Management
Know where your next dollar should go.
Free tools and plain-English answers for paying off debt, saving and investing, in the right order. Real numbers, no jargon, no sales pitch.
Tools
Next Dollar Planner
Enter your income, debts and savings. See the order for your emergency fund, employer match, debt payoff, HSA and Roth IRA, with a date for each step and the interest you save.
Open the plannerJANE Budget
A household budget for bills, spending and savings goals, with month-to-month trends. The Partners version splits shared costs by income and keeps track of who owes whom. Each one opens with an example household to click around in.
Latest from Money Math
- Debt · October 20, 2026How long to pay off a $5,000 credit card at $150 a month?
At 24.99% APR, $150 a month takes 58 months and $3,622 in interest. Paying $250 a month saves $2,088 and clears the card 31 months sooner.
- Housing · October 14, 2026How much does an extra $200 a month on a mortgage save?
In our example, an extra $200 a month on a $156,814 mortgage at 6.5% saves $32,773 in interest and pays the loan off 57 months sooner.
- Accounts explained · October 14, 2026Should you max out an HSA or a Roth IRA first?
Usually the HSA, if you're on an HSA-eligible health plan. Putting $4,400 in pre-tax means $968 less income tax this year at a 22% rate.
- Accounts explained · October 13, 2026Should you max out your 401(k) before a brokerage account?
Usually, yes: the 401(k) gets maxed before brokerage investing. On a $130,000 salary, filling $15,400 of 401(k) room pre-tax cuts this year's tax by $3,388.
Why JANE
JANE was started by a mechanical engineer who treats money like any other engineering problem: write down what you know, state the assumptions, do the math, check the answer. Most money advice stops at "it depends." JANE turns the few things it depends on (your interest rates, your employer match, your savings) into a clear order, with dates and dollar amounts, so you can see your next step instead of guessing.
Educational only, not financial advice. These are general rules of thumb with hypothetical numbers, not advice for your situation. JANE Wealth Management is not a licensed financial advisor.