Your Retirement Readiness Score is a weighted composite of four factors that determine whether you're on track to retire comfortably: your current savings relative to your target (40% of score), your monthly contribution rate versus what's needed (30%), your time horizon until retirement (15%), and your projected income coverage in retirement (15%).

The calculator uses the 4% safe withdrawal rule — the widely-studied guideline suggesting you can withdraw 4% of your portfolio annually in retirement without running out of money over a 30-year period. Your target portfolio is calculated by estimating your annual retirement expenses (adjusted for home ownership and pension income) and multiplying by 25.

Scores above 80 mean you're ahead of schedule. Between 60-80, you're on track. Below 60, there are concrete steps — usually increasing your monthly contribution — that can meaningfully change your trajectory. The tool shows you exactly what those steps are.

What Makes This Different

Most retirement calculators give you a single number and leave you to figure out what it means. This tool breaks your readiness into four dimensions so you can see which specific factor is holding you back — and how much improving it would move the needle. That's the difference between knowing you're behind and knowing what to do about it.

Important Disclaimers

This calculator provides educational estimates based on your inputs and assumed rates of return. It does not account for inflation, taxes, market volatility, or changes in Social Security benefits. Past performance does not guarantee future results. For personalized retirement planning advice, consult with a qualified financial advisor.