🎁 How should you split and invest a cash gift?

Finn

This calculator helps you visualize the long-term impact of splitting a cash gift between a retirement account and a high-yield savings account. It's a great tool for young adults deciding how much of a windfall to lock away for the future versus keeping accessible for near-term expenses. The remix completely overhauls the original template, replacing short-term dollar-cost averaging math with a solid long-term compound growth model. Note that while the description mentions a brokerage account, the tool currently only splits funds between a Roth IRA and cash.

Reviewed v26.7.1