Are you on track to retire?
Get your free Retirement Readiness Score.
Enter a few numbers and see, in plain language, how ready you are, how big the gap is, and what would move your score the most. No sign-up needed for your score.
What the full toolkit adds
- Chance of success: see how often your plan lasts across 1,000 simulated markets, good and bad.
- Scenario Lab: combine changes (retire later, save more, spend less) and compare them on a chart.
- Social Security: compare claiming at 62, 67 and 70 using your own estimates.
- Healthcare bridge: estimate the cost of covering the years before Medicare.
- Withdrawal modeler: plan which accounts to draw from first in retirement.
- Annual review: save your score as a baseline and track it each year.
- A printable report, plus export and import to move your data between devices.
- Lifetime access for a single one-time payment.
How this calculator works — and where it falls short
This tool projects your savings forward using simple compound-growth math, based on the return, inflation, and spending assumptions you enter. It does not know your real investment returns, your tax situation, Social Security's actual claiming rules, or anything about your health or life expectancy.
It does not model real tax brackets, Required Minimum Distributions, or state-specific rules. It never claims a specific retirement age or outcome is guaranteed — every result is labeled "estimated" or "under your assumptions."
This is an educational planning tool, not financial, tax, or legal advice, and not a substitute for talking to a licensed professional.
Frequently asked questions
How do I access the planner after I buy?
Right after payment, you'll see a confirmation page you can use immediately, and we'll also email you a secure access link. No password to remember — the link signs you in.
What devices does this work on?
Any modern browser, desktop or mobile. Your entered numbers are saved in that browser only — use the Export feature to move your data to another device.
Is my financial information private?
Your retirement numbers stay in your own browser by default and are never sent to our servers as part of normal use. We only store your email and purchase record to manage access.
Is $39 really one-time?
Yes — one payment, lifetime access to this calculator. No recurring subscription.
What if I want a refund?
Email us within 14 days of your purchase and we'll refund you in full, no questions asked. Once a refund is processed, access to the full toolkit ends; any data you've exported is yours to keep.