Savings Strategy
Learn how to tier your savings across short-term, midterm, and long-term buckets — and see how income investments feed growth across all tiers year by year.
Savings Strategy
Understand the four-tier model — how money flows from income investments into short-term, midterm, and long-term savings.
Explore the ModelYear-by-Year Projector
Enter your balances and yield assumptions and see how each tier grows — with a chart and a full year-by-year breakdown.
Run a ProjectionThe Four Tiers at a Glance
Each bucket serves a distinct purpose, time horizon, and risk level. Income Investments act as the central engine — splitting yield into Short-Term and Long-Term every period while the balance continues to compound.
Short-Term
3–12 months of expenses. Conservative yield (4–6%). Your liquidity buffer — capped at 12 months; overflow feeds Midterm.
Income Investments
Central yield pool (~5.5%). Splits 50% of yield to Short-Term and 50% to Long-Term each period while the balance compounds.
Midterm
1–3 year horizon. Growth yield (6–8%). Funded by Short-Term overflow. Targets medium-term goals like vehicles or home improvements.
Long-Term
3+ year horizon. Aggressive yield (12%+). Receives 50% of Income Investments yield. Focused on retirement, legacy, and long-horizon wealth building.
This tool is for educational planning purposes only and does not constitute individualized investment, tax, or legal advice. Yield rates shown are illustrative. Please consult your advisor before making financial decisions.