Should I just put it all in stocks?

Allocating in priority order (emergency → toxic debt → tax-advantaged → taxable) usually beats lump-sum equities on risk-adjusted return.

What about lifestyle spending?

Pre-allocating a fixed share for fun is fine and reduces lifestyle creep on the rest. The calculator assumes you want to deploy the bonus.

Enter the after-tax amount. RSU and bonus withholding can be lower than your true marginal rate; reserve any expected shortfall first.

The engine deploys the after-tax amount in this order: emergency fund → toxic debt → HSA → IRA → 401(k) → taxable. Adjust your gaps below.

Bucket	Amount	Reason
emergency fund	$4,000	Close any emergency fund gap before anything else.
hsa	$4,000	HSA is triple-tax-advantaged when used for qualified medical.
ira	$2,000	IRA contributions are limited per year — use the room while you have it.

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Should I just put it all in stocks?: Allocating in priority order (emergency → toxic debt → tax-advantaged → taxable) usually beats lump-sum equities on risk-adjusted return.
What about lifestyle spending?: Pre-allocating a fixed share for fun is fine and reduces lifestyle creep on the rest. The calculator assumes you want to deploy the bonus.
Are taxes already accounted for?: Enter the after-tax amount. RSU and bonus withholding can be lower than your true marginal rate; reserve any expected shortfall first.

Educational guidance only. Not legal, tax, or individualized investment advice. We do not recommend individual securities or guarantee outcomes.