Retirement Readiness Score

Get your personalized 0–100 retirement readiness score based on savings, income replacement, withdrawal safety, longevity, and healthcare planning.

Currently optimized for U.S. retirement planning. Support for additional countries is planned.

How would you like to start?

Use the calculator independently, or prefill compatible information from one of your saved retirement plans.

Your current age

Planned retirement age

Current annual income

Total retirement savings (today)

All accounts: 401k, IRA, etc.

Monthly retirement contributions

Your contributions + any employer match.

Expected annual return (pre-retirement)

Nominal return, before inflation.

Inflation rate

Your spending target and Social Security are grown to your retirement year at this rate. Historical U.S. average is about 3%.

Planned annual spending in retirement

In today's dollars.

Expected Social Security (annual)

Your annual benefit at planned retirement age. Enter 0 if unsure.

Healthcare coverage plan (before Medicare at 65)