Retirement Readiness Calculator
How it works: (1) Enter Social Security estimate, (2) add other income sources, (3) enter your retirement expenses, (4) enter your current and target retirement ages, and (5) we show your projected annual income, the income vs. expenses gap, and a readiness score.
1) Personal details
2) Social Security
We annualize this automatically.
3) Other income sources
| Source name | Amount (monthly) |
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4) Retirement expenses
Actions
5) Results
Projected annual income
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Annual expenses
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Income vs. expenses gap
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Retirement readiness score
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Years until retirement
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Scoring rule: score = min(130, max(0, round(100 × income / expenses))). Guidance: ≥ 100 = Ready, 80–99 = Caution (tight), < 80 = Shortfall. This is an educational tool, not financial advice.
Social Security Break‑Even Calculator
Enter an early claiming age and benefit, and a later claiming age and benefit. We compute the age where delaying catches up to claiming early (ignoring taxes and COLA by default).
1) Early claim
2) Later claim
Actions
3) Results
Break‑even occurs
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Break‑even age
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Months after later start
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Total collected at break‑even (each)
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Formula (no COLA, no discounting): If early age = E, later age = L, early monthly = Ae, later monthly = Al, then break‑even months after later start T = Ae × (L−E)×12 / (Al − Ae). Break‑even age = L + T/12.