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 country to see an estimated 15% annual and monthly planning target in your local currency.
Selected country
United States — US Dollar (USD)
This public calculator uses the currency associated with the country you select. Your actual 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.
You can do it yourself.
You don't have to do it alone.
Step4 Wealth is designed to guide you through the journey yourself, while giving you an option to speak with a Step4 Wealth consultant when you need additional assistance.
Consultant availability and the nature of assistance provided may vary by jurisdiction and service.
Choose the type of help you need
General assistance
Questions about Step4 Wealth, the platform, or how the overall journey works.
Assessment assistance
Help understanding what a question means before you complete your assessment.
Investment consultation
A dedicated conversation for users who want additional guidance around their investment journey.
Technical & account support
Help with registration, verification, payments, account access, or other technical issues.
A clearer way to think about investing.
See how a structured approach can make long-term investing easier to understand, plan, and follow.
“The 15% target gave me a clear number to work toward every month instead of just telling me I should invest more.”
Amanda P.
Miami, Florida, USA
“I liked how the process broke a big financial goal into simple steps I could actually understand.”
Michael T.
Toronto, Canada
“The structured approach made investing feel much less overwhelming. I could see what I needed to do next.”
Jessica R.
London, United Kingdom
“Seeing the portfolio categories laid out clearly helped me understand diversification without making it feel complicated.”
Daniel W.
Sydney, Australia
“I finally had a clearer picture of how much I should be setting aside and what the next step looked like.”
Brian O.
Nairobi, Kenya
“The step-by-step structure made the whole investment journey feel more organized and easier to follow.”
Thandi M.
Cape Town, South Africa
Client stories and experiences will continue to be added as Step4 Wealth grows.
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.