Free guided planning tool

Retirement checkup

Build a baseline, review the assumptions that shape it, and compare one practical change at a time.

No account or bank connection
Draft stays in this browser
Educational estimate, not advice

Step 1 of 4

Household and timeline

Sample values shown

Who are you planning for?

One personTwo people

Planning timeline

Current ageRetirement ageUse your current age if already retired.Plan through age

Income

Annual gross incomeBefore taxes and payroll deductions.Annual take-home incomeIncome available after taxes and deductions.

Workplace saving

Employee contributionEmployer matchPercent matched.Match contribution limitExample: 6% of pay.

Current spending and savings

Annual spendingInclude housing and recurring expenses.Estimate from a CSV or OFX statementCurrent retirement savingsCombined balance for this estimate.

Social Security estimate

Estimated annual benefitUse your current SSA estimate if available.Benefit start age

Editable projection assumptions

These values are planning inputs, not forecasts or recommendations.

Annual returnInflationRetirement income taxRetirement spendingOf current spending.

Before calculating

Review the baseline

All amounts are annual unless noted. You can return to an earlier step without losing the draft.

Household: One person
Retirement age: 67
Current savings: $250,000
Annual spending: $60,000
Return / inflation: 5% / 2.5%

Method and limits

A useful baseline, not a retirement verdict

The checkup applies constant return, inflation, tax, and spending assumptions to a deterministic year-by-year projection. The Action Explorer changes only the inputs it names.

It does not model market sequence risk, account-specific taxes, Medicare, required minimum distributions, long-term care, or state taxes. Read the full methodology and limitations.

For focused follow-up, use the spending review, RMD calculator, or Social Security taxability screener.