Retirement Readiness Score Calculator

Get a retirement readiness score based on savings, income, age, and goals. See if you are on track.

By Konstantin Iakovlev · Updated September 2026 · Source: SSA — Retirement Benefits

$
$/mo
$/mo
$/mo

Readiness Score

100/100

On Track?

Yes

Projected Savings

$1.2M

Retirement Income Projection

Projected Savings at Retirement (today's dollars)$1.2M
Monthly Income from Savings (4% rule)$4,064.08
Social Security (estimated)$2,000.00
Total Monthly Income$6,064.08
Desired Monthly Income$6,000.00
Monthly Surplus$64.08

Fidelity Savings Guideline

Target for Age 35 (2.0x salary)$160.0K
Your Current Savings$100,000.00
StatusBehind guideline

Fidelity Milestones (multiples of salary)

Age 301x salary
Age 352x salary
Age 403x salary
Age 454x salary
Age 506x salary
Age 557x salary
Age 608x salary
Age 6710x salary

Use the Retirement Readiness Score Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

How close are you to the retirement you have in mind? This tool turns your savings, monthly contributions, expected Social Security and target income into a single readiness score that exposes shortfalls early enough to act on them. Social Security is the floor for most people, and it keeps pace with prices: benefits rose 2.8% in January 2026 with the cost-of-living adjustment.

The projection grows your current savings and monthly contributions at your expected return net of inflation (7% and 2.5% by default, about 4.4% a year in real terms) until your retirement age. That keeps every figure in today's dollars, directly comparable with your target income and your Social Security estimate. Savings are turned into income with the 4% rule and added to Social Security, and the score is that total as a share of the income you want, capped at 100. A separate check compares your savings with Fidelity's salary-multiple milestones, from 1x salary at 30 to 10x at 67.

Treat the output as an estimate, since market swings and life's surprises will move your real position. Healthcare is the cost people most often understate: Medicare is not free, and the standard Part B premium alone is $202.90 a month in 2026. Revisit your plan on a regular cadence, and weigh personalized guidance from a financial advisor.

Example: Sarah's Retirement Check-up

  1. 1 Sarah is 45, has $250,000 saved and adds $667 a month (10% of her $80,000 salary). She expects $1,900 a month from Social Security and wants $5,000 a month, in today's dollars, from age 65.
  2. 2 At a 7% return and 2.5% inflation her savings grow about 4.39% a year in real terms and reach about $843,600 in today's dollars at 65. Under the 4% rule that supports $2,811.92 a month.
  3. 3 With Social Security her income is $4,711.92 a month against the $5,000 target: a readiness score of 94/100 and a gap of $288.08 a month.
  4. 4 Working to 67 closes the gap even with the same Social Security estimate: savings reach about $936,000 and income $5,019.86 a month, a score of 100. Without the inflation adjustment her savings at 65 would look like $1.31 million, which is why the tool works in today's dollars.

Source: SSA — Retirement Benefits · Last updated: September 2026

Frequently Asked Questions

How do I know if I am on track for retirement?
Compare your projected retirement income (Social Security + pension + portfolio withdrawals at 4%) to your target spending (typically 70-80% of pre-retirement income). If projected income covers 90-100%+ of target spending, you are in good shape.
What is a retirement readiness score?
A retirement readiness score typically measures your projected retirement income as a percentage of your target income. A score of 80%+ means you are likely on track. 60-80% means you need to take action (save more, work longer, reduce target). Below 60% requires significant adjustments.
How can I improve my retirement readiness?
The most impactful actions: increase your savings rate by 2-3%, delay retirement by even 1-2 years, delay Social Security to 70, reduce planned retirement spending, catch up on 401(k)/IRA contributions, and eliminate high-interest debt before retirement.

You might also need

401(k) Calculator 2026 — Retirement Savings & Employer Match

Calculate your 401(k) balance at retirement with employer match and growth projections. Compare Roth vs Traditional. Based on 2026 IRS contribution limits.

Roth IRA Calculator 2026 — Growth, Limits & Tax-Free Income

Calculate Roth IRA growth projections and tax-free withdrawals. Compare to Traditional IRA side by side. Free, instant results with 2026 contribution limits.

Roth Conversion Calculator 2026 — Tax Impact & Break-Even

Calculate the tax impact of converting a Traditional IRA to Roth. See your break-even year and multi-year projections. Free, instant results for 2026 rates.