Do you have a retirement plan — or just a retirement number?

The Retirement Readiness Score gives you a single number out of 100 that tells you exactly how prepared you are for retirement — not just in one area, but across five.

Enter your 401(k) balance, contributions, employer match, Social Security benefit, claiming age, planned expenses, and target retirement standard. The Score calculates your position across five pillars: savings adequacy, drawdown sustainability, Social Security optimisation, inflation resilience, and retirement timeline — each scored, colour-coded, and explained in plain English.

A personalised five-step action plan ranked by financial impact tells you exactly what to do next — whether that's increasing contributions, delaying Social Security, building a cash buffer, or reviewing your investment allocation. Every action is quantified in dollars and linked directly to the tool that helps you act on it.

Three live scenario toggles let you see your score change in real time — what if I retire two years later, contribute an extra $200 a month, or delay Social Security to 70?

Built on official SSA, IRS, EBRI, and Bengen 4% Rule figures. Automatically updates after every rule change. For educational purposes only. Not financial or tax advice.