Paycheck OS helps you maximize “free money” from employer matches and tax advantages while building long-term wealth. Get a personalized allocation strategy in minutes.
Get started freeNever leave employer 401(k) matches or HSA contributions on the table. We prioritize guaranteed returns before anything else.
Maximize tax-advantaged accounts like 401(k), IRA, HSA, and ESPP to reduce your tax burden and accelerate wealth building.
Understand exactly why each allocation decision makes sense. No black boxes—just transparent, education-first guidance.
Tell us about your salary, location, and employer benefits in a quick 4-step flow.
Receive a personalized paycheck allocation strategy optimized for your situation.
Explore detailed explanations for each optimization technique we recommend.
Simulate different scenarios and see how your wealth grows over time.
401(k) Employer Match
Capture guaranteed 50-100% returns on your contributions
Health Savings Account (HSA)
Triple tax advantage: deductible, tax-free growth, tax-free withdrawals
Employee Stock Purchase Plan (ESPP)
15%+ discount on company stock with lookback periods
IRA Contributions
Traditional or Roth based on your tax situation
Mega Backdoor Roth
Advanced technique for high earners with after-tax 401(k) plans
Taxable Brokerage
Smart allocation to taxable accounts after maxing tax-advantaged options
Join thousands of users who are maximizing their wealth with smarter paycheck allocation.
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