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Retirement Readiness Scorecard

Inputs

Compact assumptions with defaults.

Filing status

State tax rate (%)

Federal tax rate (%)

Current age

Retirement age

End age

Cash reserve (months)

Trad (IRA/401k)

Roth

Taxable

Taxable basis (%)

SS start age

SS annual

Pension/Annuity annual

Rental income

Part-time income

Spending (today $)

Pre-ret return (%)

Post-ret return (%)

Inflation (%)

Health/LTC plan

RMD start age

Roth conversion

Will/Trust in place

Beneficiaries updated (3 yrs)

POA/HC directives

Titling review (3 yrs)

Charitable intent

Overall Readiness

0–100 score with category sub-scores.

Savings

Income

Tax

Legacy

Summary & Badges

Key insights at a glance.

Guaranteed covers 0%

Federal bracket: 0%

SS taxable: 0%

Wealth at retirement

Wealth at 80

Wealth at 90

Wealth at end

Top 3 Action Steps

Personalized suggestions to raise your score.

Educational tool only. Results are simplified estimates and not financial, tax, or legal advice. Consider taxes (including your projected federal marginal bracket), sequence risk, healthcare costs, and personal circumstances. Weights: Savings 35%, Income 25%, Tax 25%, Legacy 15%.

Scoring notes: Funding success proxy uses simple annual projection with post-ret return – inflation – 1% safety built into weights; guaranteed coverage ratio emphasizes SS/Pension/Annuity; tax friction uses pre-tax share, projected federal marginal bracket, RMD peak, and headroom to the next bracket; legacy reflects documents & hygiene.