Retirement Readiness Calculator
Find out if you're on track to retire comfortably with our comprehensive analysis.
Your Details
Savings & Investments
Retirement Income
In today's dollars
Pension, rental income, etc.
Market Assumptions
These are sample values to show how the calculator works. Enter your age, savings, and expenses for a personalized readiness score. How is this calculated?
100% Ready
You're on track to have $2,408,793 at retirement, versus a target of $1,717,712.
Projected Savings
$2,408,793
Required Nest Egg
$1,717,712
Years Funded
25 years
Monthly Income
$10,029
Monte Carlo Simulation
500 iterationsProbability of Success
62%
Showing 500 scenarios. Run full simulation for 10,000 scenarios with fat tails and regime switching.
Understanding Your Score
Readiness Score
Your readiness score is the probability of success across 500 randomized market scenarios. A score of 80+ means your plan survives in the vast majority of simulated market conditions.
Monte Carlo Analysis
Runs thousands of randomized market scenarios using historical data, giving you a probability of success rather than a single fixed-return projection.
Tips to Improve Your Score
- ↑Increase annual contributions, even small amounts
- ↑Delay retirement 1-3 years for dramatically better outcomes
- ↑Claim Social Security at 70 for +8%/year in benefits
- ↓Reduce retirement expenses or consider geographic arbitrage
Want deeper analysis?
The full Retirement Planner adds multi-account support, withdrawal strategies, tax optimization, and what-if scenarios.