Retirement Readiness Calculator

Private by default. Answers stay in this browser. Do not enter account numbers or login details.

About 5 to 8 minutes

Step 1 of 5 About you

Let’s start with where you are today

Estimates are fine. You can adjust every answer later.

Who does this plan cover?

Household mode keeps each person's income, benefits, and savings separate before combining the projection.

How old are you?

We only need your age, not your birthday.

At what age might you want to retire? 67

This means your savings begin helping support you. It does not require stopping work completely.

How do you expect to file federal taxes?

About how much do you earn per year?

Use gross income before taxes. A rounded amount is enough.

About how much reaches your bank account each month?

Include all regular take-home income used by your household.

What does your money need to cover?

A quick monthly snapshot keeps recommendations realistic. This is not a full budget.

Essential monthly spending

Housing, utilities, food, insurance, healthcare, and other necessities. Leave debt payments for the debt step.

Emergency savings

Money you could use for an unexpected expense without borrowing.

If your retirement spending is uncertain

The planner will never insert a made-up spending amount.

Estimated monthly Social Security

Use your official estimate. Leave 0 if unknown; the result will exclude it.

When would Social Security begin? Age 67

Expected monthly pension or other guaranteed income

When would this pension begin?

What have you already started?

Use rounded balances. If you are not sure whether money is Roth or pre-tax, leave the default estimate and review it later.

Workplace retirement balance

For example, a 401(k), 403(b), 457(b), or TSP.

How much of this workplace balance is vested?

Your account may show money that you would not keep yet if you left the employer.

How much of your pay do you contribute?

Look for “employee contribution” or “deferral” on your benefits site.

Employer match rate

Enter 100% for $1 per $1 you contribute, or 50% for 50 cents per $1.

The match applies up to what percent of pay?

Automatic employer contribution

Enter the percent of pay your employer contributes whether or not you contribute. Use 0% if your plan only offers a match.

How much of the workplace balance is Roth? 25% Roth

Roth: you generally pay taxes now so qualified withdrawals can be tax-free later. Pre-tax: you may save on taxes now, but withdrawals are generally taxable.

How much of future employee contributions will be Roth? 25% Roth

This is separate from the Roth share of your current balance and drives the current tax estimate.

Traditional IRA or other pre-tax balance

Roth IRA balance

Regular investing account balance

Estimated taxable-account cost basis

If unknown, 100% is conservative for capital-gains tax but the projection still applies a yearly tax drag.

Advanced contribution and employer plan rules

Fixed annual employee contribution override

Leave 0 to use the percentage above.

Second-tier employer match rate

Second-tier match applies through percent of pay

Fixed annual employer contribution

Eligible compensation used by the plan

Annual employer contribution cap

Leave 0 if the plan has no separate employer cap.

Expected vested share of future employer contributions

Employer contributions going to Roth

Employer contribution eligibility delay

years

Does the plan provide an annual true-up?

With a steady annual contribution percentage, true-up does not change this annual model.

The model enforces 2026 employee deferral, age-based catch-up, $72,000 annual-additions, and $360,000 compensation limits.

Here is what your current direction could mean

Estimates, not guarantees.

Modeled retirement success: 0%

Calculating your result

Projected balance at retirement$0Standard scenario, today’s dollars

First-year spending funded$0At retirement, after estimated federal tax and benefit start dates

Your monthly retirement goal$0Today’s buying power

Current monthly flexibility$0After essentials, selected payments, and a $100 buffer

Ways to improve the plan

How the balance changes over time

View the projection as a table

Age	Total balance	Pre-tax	Roth	Taxable

Tax estimate

Your current pre-tax workplace contributions may reduce estimated 2026 federal income tax by about $0 per year. This simplified estimate uses the standard deduction and does not include state taxes, credits, itemized deductions, or every income type.

Financial foundation

How success is calculated

A modeled path succeeds when retirement savings can fund the spending goal through the selected planning age. The planner runs 600 different market paths. A low percentage means the current plan is vulnerable under many of those paths, not that retirement is impossible.

This percentage may differ from Fidelity or another planner because assumptions, taxes, spending goals, investment returns, and planning ages may differ.

Assumptions and limitations

Uses a 4% average real return, 12% volatility, a midyear contribution convention, a 0.5% yearly taxable-account tax drag, a 15% capital-gains rate on modeled gains, 2026 federal brackets, and retirement spending in today’s dollars. It does not include state tax, Medicare premiums, detailed investment fees, long-term care, inherited accounts, or every tax rule.

Retirement readiness calculator

Here is what your current direction could mean

Calculating your result

Ways to improve the plan

How the balance changes over time

Debt details