Free
$0
Three core recommendations. No credit card required.
Built by Koffr Inc. for W-2 professionals
Find the tax-saving moves your benefits may be hiding.
Koffr turns seven answers into an educational roadmap of retirement and health-account opportunities, ranked by potential impact.
No bank connection. No payroll login. No tax return. No SSN.
How it works
A focused check, not another spreadsheet.
- Answer seven questions.Share the income, filing, contribution, age, and state details needed for the calculation.
- Review up to six opportunities.See which strategies may apply and how they compare.
- Take informed next steps.Use the roadmap to ask sharper questions of your plan administrator or tax professional.
Your potential roadmap
Up to six personalized recommendations
Three core checks are free. Up to three advanced strategies are included with PRO when your situation qualifies.
- 01
Free
401(k) Employer Match Maximizer
Checks whether your current contribution captures the employer match available to you.
- 02
Free
401(k) Max-Out Guide
Measures the gap between your current employee contribution and the limit that applies to your situation.
- 03
Free
Roth IRA Eligibility Check
Checks whether your income and filing status allow a direct Roth IRA contribution.
- 04
PRO
HSA Triple-Tax Advantage
Checks HSA eligibility and contribution room. It eliminates federal, state, and payroll taxes where possible.
- 05
PRO
Backdoor Roth IRA Guide
Explains the conversion path that may be available when income limits block a direct Roth contribution.
- 06
PRO
Mega Backdoor Roth Eligibility
Checks whether your employer plan has the features needed for additional after-tax 401(k) contributions and Roth conversion.
Simple pricing
Start free. Upgrade only when it helps.
PRO
$9.99 / month
or $99/year
Up to three additional strategies for qualifying situations.
Cancellation: Cancel anytime.
Refund: Email support@koffr.ai for a full refund within 30 days of the charge, no questions asked.
Questions, answered
FAQ
How do you know I'd actually save that much?
The headline figure isn't a guess — it's calculated for a specific verified scenario, and every constant behind it (contribution limits, tax brackets, phase-outs) is checked against primary IRS sources, not blog posts. Your number will be different, because it's built from your answers. That's the point: Koffr shows you your savings, not an average.
How long does it take to get the recommendations?
Two minutes. Seven questions. No documents to dig up, no numbers you don't already know — filing status, salary, 401(k) contribution, state, age. Answer them and your recommendations are calculated on the spot. You'll see your savings before you decide whether to keep going.
Do I need to connect my payroll or bank accounts?
No. Koffr does not connect to your bank, payroll, or tax accounts, and it does not ask for your SSN or tax return. You provide seven answers yourself. Koffr also receives the technical, analytics, error-monitoring, and security information described in the Privacy Policy.
How is this different from a free calculator?
Free calculators answer one question at a time — "How much can I contribute to a Roth IRA this year?" — in isolation. Koffr looks at up to six strategies together, against your actual income and situation, and tells you which ones apply to you and in what order. The gaps between strategies are where the money hides, and no single-purpose calculator sees them.
Should I double-check this with my accountant?
If you have one, absolutely — bring the recommendations to them. Koffr does the math on your inputs; it doesn't know your full picture the way a professional who works with you does. Think of it as showing up to that conversation already knowing which questions to ask.
Will you sell my data?
No. Koffr does not sell your data or receive affiliate kickbacks from financial products. You can request account deletion at any time. Limited transaction, support, security, and backup records may be retained as described in the Privacy Policy.
What if Koffr isn't right for me?
The free tier exists specifically so you find out before paying. If the recommendations don't apply to you, you've spent two minutes — not $9.99. And if you do go PRO and it's not what you hoped, email us within 30 days of the charge for a full refund, no questions asked.
Public review
Koffr is preparing for launch.
The functional application is not available on this public review surface. Questions and feedback are welcome at hello@koffr.ai.