Tools
Tools
Two calculators. Both run entirely in your browser, both are driven by the same code the research pages are, and neither sends anything anywhere.
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Where to hold each fund
Your bracket and your account split, in. The order to fill your Roth and your 401(k) in, out. The answer inverts the advice you have read everywhere else.
IDMO first at 148.2 bp, VTI last at 25.4 bp · as of 2026-08-12
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How long before you would know
How much better you expect to do, and how far it can wander getting there. Out comes the number of years before your own account could tell you it worked.
Fees settle in 3.5 months. The whole portfolio takes 31 years. · as of 2026-08-17