Retirement

Retirement Readiness Scorecard Calculator

A 0–100 readiness score across savings, income, tax, and legacy pillars, with KPI cards and top suggested next steps.

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How to use

Enter your profile, balances, income sources, and planned spending.
Pick your healthcare/LTC plan, RMD start age, and Roth-conversion intent.
Toggle the estate/legacy checklist items.
Review the pillar scores, projected wealth at key ages, and top suggestions.

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

Single-stream nominal projection; no Monte Carlo and no taxes on portfolio returns.
Income sources (SS, pension, annuity, rental, part-time) are nominal at the values you enter and start at the chosen claim/start ages.
RMDs apply to the projected portfolio total using the IRS Uniform Lifetime divisor for the current age.
Federal marginal brackets are 2025 illustrative; SS taxation uses simplified provisional-income thresholds.