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MFA Next Dollar

What could the same money do?

Compare the same extra money toward debt, savings and investing. See the trade-offs, then change the numbers.

Try it before building a full plan

One amount. Different consequences.

Try the labeled example, or enter a few numbers. Your saved plans stay separate.

EXAMPLE · not your household

Credit card · 22% APR$1,248modeled interest avoided
Emergency fund1.8 monthsessential spending covered after modeled contribution
Use my own numbers →

Quick scenario uses a three-month cash target and lasts for this visit. For a lasting baseline, build your Money Plan.

Using a labeled example householdEXAMPLE · $4,000 monthly spending, $6,000 cash and $8,000 card debt at 22% APR with a $250 payment. Only the comparison controls below are placed in this page URL. Your private financial profile is not copied into the Next Dollar share link.
How often?
Investment horizon
Illustrative market return

No single score on purpose. Avoiding 22% credit-card interest, adding liquid cash, capturing an employer match and assuming a 5% market return are different economic outcomes. MFA keeps them separate so you can compare the tradeoffs rather than hide them inside one ranking.

Deterministic / contractual math

Interest or employer-match math based on the balances, rates and formulas you entered.

Credit card · 22% APR

Put it toward example credit card

$1,248modeled interest avoided

9m earlier payoff

A $1,000 principal payment is applied today.

Assumption

Fixed APR, no new borrowing or fees, and extra payments reduce principal.

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Liquidity & resilience

What the same dollars change about readily available cash.

Emergency fund

Keep it liquid for your cash cushion

1.8 monthsessential spending covered after modeled contribution

+0.3 months of coverage

Your entered target is 3 months ($12,000); the current modeled gap is $6,000.

Assumption

No interest is assumed. This card measures liquidity/resilience, not investment return.

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Market-return assumption

Illustrative growth only; this outcome is not guaranteed.

Illustrative investing

Invest it for long-term growth

$1,629modeled value after 10 years

$629 modeled growth

A one-time $1,000 contribution is left invested for 10 years.

Assumption

Assumes a constant 5% effective annual return. Real market returns are volatile, can be negative, and taxes/fees are not modeled.

Open the full calculator
Same dollars · 3 modeled destinations

Use the comparison to decide what deserves a deeper calculation.

Next Dollar is a routing and tradeoff tool. Open any card for the full calculator, then change the assumptions before acting.

Back to my Money Plan

Save or share the comparison with context.

Exports include the modeled outcomes, cadence, investment horizon, return assumption and generated date. The share URL carries the comparison controls, not the private My MFA profile behind them.

Turn this result into a decision.

Compare it with another snapshot, keep your reasoning and set your next step.

Inputs, estimates & source dates

Keep this result

Save it to My MFA and come back later.

This keeps the scenario in your private My MFA workspace so you can reopen, compare and organize it. It does not publish the scenario.

Share or export

Send the scenario, copy a rerunnable link, or export a branded file.

Sharing is separate from saving to My MFA. Public links carry only the scenario inputs needed to reproduce this view.

PNG and PDF use the same high-resolution MFA export layout with result context and assumptions. On iPhone, Save PNG can open the iOS share sheet. MyFriendAlex.org is the full experience · MFA.Money is the short address.