Savings waterfall — next-dollar ordering of annual savings

Answers "I have $X a year to save — where does each dollar go?" by filling the standard tax-advantaged waterfall in priority order: 401(k) to the full employer match, then HSA, then IRA (annotated with the Roth route — direct / backdoor / traditional), then the rest of the 401(k) elective-deferral limit, then a taxable account. Reports the dollar to each bucket, the employer match captured, and the unused tax-advantaged room. Composes the contribution-limit and IRA-eligibility engines, so the limits stay current automatically. Deterministic; not financial advice.