Retirement Readiness Score Calculator — Are You on Track to Retire?

Gauge where you stand and how to level up before you clock out for good.

Current age

Target retirement age

Life expectancy

Current retirement savings ($)

Include 401(k), IRA, brokerage earmarked for retirement.

Your annual contribution ($/yr)

Pretax + Roth + taxable — just the amount you add yearly.

Employer match ($/yr)

Estimate yearly dollar value of the match.

Estimated annual retirement spending (today's $)

Housing, food, travel, healthcare, everything.

Expected annual investment return (before retirement, %)

Inflation (%, long-run)

Withdrawal rate in retirement (%)

Classic "4% rule" shown here; adjust as you like.

Annual Social Security / pensions at retirement ($)

Enter $0 if you'd rather exclude it.

—Readiness

—

Years to retire: — Required nest egg: — Projected at retirement: —

Projected annual gap (future $)

—

Funding ratio

—

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Assumptions: expenses inflated to retirement; simple annual compounding; contributions assumed at year-end; this is an educational estimate, not financial advice.

Retirement Readiness Score

Projected annual gap (future $)

Funding ratio

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Retirement Readiness Score

Projected annual gap (future $)

Funding ratio

Build Your Money System

About

Learn

Support

Resources

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