Build your wealth.
One step at a time.
Step4 Wealth helps you turn a long-term investing strategy into a clear, organized financial journey — from your first calculation to ongoing portfolio tracking.
Good morning
Welcome back, Alex
Your Step 4 Journey
65%
Monthly target
$1,250
Portfolio
$24,850
See your Step 4 target.
Enter your gross annual income and select your currency to see an estimated 15% annual and monthly planning target.
Your currency selection is only used for this public planning calculator. Your account currency is determined automatically from the country you select during registration.
Your planning target
$0
estimated monthly target
This is a planning calculation based on the 15% Step 4 framework — not a guarantee of investment performance.
Make the strategy easier to understand.
The platform turns the concepts behind long-term retirement investing into clear steps, calculations and visual progress.
Prepare
Clear consumer debt and establish your financial foundation.
Protect
Build an appropriate emergency fund before investing for retirement.
Calculate
Use gross household income to calculate the 15% planning target.
Invest
Follow your long-term investment plan and monitor progress.
From a financial goal to an organized investing journey.
A guided experience designed to help you move through each stage without losing sight of the bigger picture.
Create your account
Create your Step4 Wealth account and securely establish your profile.
Understand your target
Tell us about your household income and financial situation so your Step 4 target can be calculated.
Build your strategy
Review your investment approach, eligible account types and portfolio allocation.
Connect & contribute
Connect eligible accounts and establish a contribution schedule that fits your plan.
Diversification built into the experience.
The four-fund model is presented as four distinct categories so users can easily understand how their portfolio is structured.
Actual investments, allocations and account availability should be determined based on the user's circumstances and the services offered through the platform.
Large-Cap
Growth & Income
Established companies designed to provide a foundation of long-term growth and income.
Mid-Cap
Growth
Medium-sized companies offering exposure to businesses with room to expand.
Small-Cap
Aggressive Growth
Smaller companies that can provide greater growth potential while carrying greater volatility.
International
Global Diversification
Companies outside your home market to broaden geographic diversification.
See your financial journey in one place.
Your dashboard will become the center of your Step4 experience: contribution targets, portfolio information, account setup, progress and educational resources.
Build your accountGood morning
Welcome back, Alex
Your Step 4 Journey
65%
Monthly target
$1,250
Portfolio
$24,850
Portfolio allocation
25%
25%
25%
25%
Financial concepts, without the unnecessary complexity.
We make the complicated parts clearer.
Step 4 refers to the stage of the Ramsey financial framework focused on investing 15% of gross household income toward retirement after the earlier financial priorities have been addressed. Step4 Wealth uses this concept as a planning framework.
Ready to start your Step 4 journey?
Create your account, establish your financial profile and start organizing your long-term investment journey.