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What's Your
Retirement Readiness Score?

Just answer a few questions — I'll calculate your personalized score out of 100 using live 2026 data.

✓ Server-calculated
✓ 5 scoring dimensions
✓ Live COL data
✓ 100% free
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Question 1 of 10 0% complete
Step 1 of 10 · Demographics
How old are you?
Used to calculate years to retirement and longevity projections.
Step 2 of 10 · Demographics
When do you plan to retire?
Your planned retirement age directly affects Social Security benefits and savings runway.
Step 3 of 10 · Financial
What is your current annual household income?
Used to calculate income replacement ratio and savings adequacy target.
$

Include spouse income if married.

Step 4 of 10 · Financial
How much have you saved for retirement?
Include all 401(k), IRA, TSP, Roth IRA, and other retirement accounts combined.
$

Rough estimate is fine — include 401k, IRA, TSP, Roth combined.

Step 5 of 10 · Income
What is your estimated monthly Social Security benefit?
Check SSA.gov for your estimate, or leave blank and we'll estimate it.
$

Leave blank or enter 0 if you don't know.

Step 6 of 10 · Income
Do you have a pension?
Pensions significantly affect your income replacement score.
🏛️FERS (Federal)
🏛️CSRS (Federal)
🏢Private/State DB
❌No Pension
Step 7 of 10 · Expenses
What are your current monthly household expenses?
Include housing, food, transportation, utilities, healthcare, and entertainment.
$

Estimate is fine.

Step 8 of 10 · Healthcare
How do you plan to cover healthcare in retirement?
Healthcare is the #1 underestimated retirement expense.
🏛️FEHB (Federal retiree)
🏢Employer coverage
🏥Medicare (65+)
📋ACA Marketplace
❓No plan yet
🤔Not sure
Step 9 of 10 · Healthcare
Do you have long-term care insurance?
70% of retirees need some form of LTC. Medicare does NOT cover custodial care.
✅Yes, I have it
❌No
🤔Considering it
Step 10 of 10 · Location
Where do you plan to retire?
We pull live cost-of-living and state tax data to score your location choice.

Not sure? Select your current state.

Calculating your score with live 2026 data…

About This Score

How is the score calculated?

The score is computed server-side across 5 dimensions using the 4% Rule, income replacement math, live state tax/COL data from our database, and healthcare coverage modeling. It's not a simple points quiz — it's a projection engine.

What is a "good" retirement readiness score?

85–100: Retirement Ready. 70–84: On Track. 55–69: Needs Attention. 40–54: Significant Gaps. Below 40: Action Required Now.

Does the score use live data?

Yes. The location optimization dimension pulls live cost-of-living data and state tax information from our database. Results also display current TSP G Fund rates and SPIA annuity rates.

Is my data private?

Yes. We store your responses anonymized (income ranges, not exact numbers) for aggregate benchmarking. We never sell personal data. Your email is only collected if you opt in for the full report.

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