Your first answer
Your paycheck instruction
How much to put in per paycheck, and from which paycheck, to use each limit in full.
The membership
Monitor your 401(k), mega backdoor Roth, and HSA with every payday
You don’t need benefits expertise. Cedarwise explains the plan details that matter and guides you through your contributions, paychecks, and job changes.
Shown below: the portal for one example member.
Every payday
Paycheck check-in
Compare each paystub with your elections. A payroll mistake is caught on the payday it happens.
Through the year
Calendar
One calendar holds every payday, election change, conversion checkpoint, and job date that needs your attention.
All year
Contribution outlook
How close you are to every limit, and the date you reach it.
When something is off
Limit corrections
When you are heading over a limit: the lower amount, and the paycheck to change it on.
When you change jobs
Job changes
Your new elections are set from what you already contributed at the old job, so you neither overshoot a limit nor leave it unused.
What it covers today
Employer plan catalog
Reviewed plan terms already on file for your employer.
401(k) limit progress
Monitor progress toward the pre-tax and Roth limit with every payday.
Follow each after-tax 401(k) contribution through its Roth conversion.
Formula, timing, and projected for you.
Your deposits, the employer’s, coverage, and the limit.
Paycheck check-in
Verify the first paycheck after a change against your paystub.
Job changes
Keep the old employer’s final paychecks and the new employer’s setup on one calendar.
Max-out date
Pick the paycheck you reach the limit on.
Attention email
A message only when something changes.
Reviewed plan terms on file for 41 employers
- Airbnb
- Amazon
- American Express
- Anthropic
- Apple
- Bank of America
- Block
- Bloomberg
- Capital One
- Citadel
- Citigroup
- Coinbase
- D. E. Shaw
- DoorDash
- Goldman Sachs
- Hudson River Trading
- IMC Trading
- Intuit
- Jane Street
- JPMorgan Chase
- Jump Trading
- Mastercard
- Meta
- Microsoft
- Morgan Stanley
- Nvidia
- OpenAI
- Optiver
- Oracle
- PayPal
- Robinhood
- Stripe
- Susquehanna International Group
- TikTok
- Two Sigma
- Uber
- Visa
- Walmart
- Wells Fargo
Another employer? You confirm only the terms that affect your result.
What it costs
$240/year
Billed once a year. Save 20% compared with monthly billing.
Checkout runs securely through Stripe. We take credit cards and Apple Pay. Your card numbers are never stored.
Annual member benefits
The first 20 annual members qualify for founding-member status. Your $240 yearly price stays locked while your annual membership remains active. Book an optional setup call with the founding team or email support@cedarwise.ai for help. Every email gets a response within 24 hours.
90-day money-back guarantee
Annual plans: request a full refund of your first annual payment within 90 days by emailing support@cedarwise.ai.
Already a member? Sign in
What is coming
Everything here arrives inside the same membership.
Statement and paystub import
Connect a provider or upload a statement; no totals to type.
Idle money alerts
After-tax money that never converted, and HSA cash left uninvested.
401(k) fund lineup
An explanation of your plan’s own fund options. Which ones to hold stays your call.
FSA, s, and IRA
The same payday monitoring for the rest of your benefits.
Tailored recommendations
Targets that fit your cash needs and plans, not the maximum of everything.
Spousal accounts
Limits and guidance that account for a spouse’s job and retirement contributions.
Life events
Marriage, divorce, or a new child changes your limits and which benefits apply.