Free Planning Tool

Retirement Readiness Calculator

Estimate what your retirement will cost, project the income your savings, Social Security, and pension are on pace to produce, and see the size of any gap between the two — before it becomes a surprise.

Are You On Track?

Check your retirement readiness

Enter your details below. Every field is pre-filled with a starting assumption you can change — adjust them to match your situation.

1 Enter your numbers

2 Add your contact details

3 See your readiness snapshot

Your Timeline & Income Need

Value

Current age

Target retirement age

Current annual household income

Income replacement target Share of today's income you'd want in retirement

Assumed annual inflation

Your Savings & Income Sources

Value

Current retirement savings 401(k), IRA, brokerage, and other invested assets

Monthly amount you save Include employer match

Assumed annual return before retirement

Expected Social Security Monthly, in today's dollars

Pension or other guaranteed income Monthly

Planned withdrawal rate Annual withdrawal from savings in retirement

See your readiness results

Add your contact information to unlock your results. We'll also send a copy to a G&R advisor, who can walk you through what the numbers mean — at no cost and no obligation.

We use your information only to prepare your results and follow up. We respect your privacy and never sell your data.

First Name

Last Name

Email Address

Phone (optional)

Your retirement readiness snapshot

Calculating

Projected Savings at Age 65

After 10 more years of saving and growth

Projected Annual Income

$0 per month

Projected Annual Income Gap

$0 per month

Where your retirement income comes from

Income from savings at 4%$0

Social Security (inflation-adjusted)$0

Pension / other guaranteed income$0

Total projected annual income$0

Estimated annual income need at retirement$0

Savings Social Security Pension / guaranteed

Closing the gap

Share of your income need covered0%

Additional savings that would close the gap$0

Extra you'd need to save each month to get there$0

These are estimates based on the assumptions you entered. A conversation with an advisor is how you turn them into a plan.

Review My Results With an Advisor

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How this calculator works

Your current savings and monthly contributions are grown to your retirement age using the annual return you entered, compounded monthly.
Retirement income from savings is estimated by applying your planned withdrawal rate to the projected balance. A 4% starting withdrawal rate is a common planning reference point, not a guarantee.
Your income need is your current income multiplied by your replacement target, then adjusted for inflation to your retirement year.
Social Security is adjusted for inflation because it receives annual cost-of-living adjustments. Pension income is held flat, since many pensions are not inflation-adjusted.
Taxes, healthcare cost changes, market volatility, sequence-of-returns risk, and changes in law are not modeled.

Important: This calculator is provided for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice, nor a recommendation to buy or sell any security or insurance product. All results are hypothetical estimates based solely on the assumptions you enter and do not reflect the performance of any specific investment. Investing involves risk, including the possible loss of principal, and actual results will vary. Social Security estimates should be verified with your Social Security statement at ssa.gov. Please consult a qualified financial, tax, or legal professional before making decisions. G&R Financial Solutions · Securities offered through Simplicity Investments, Inc., Member FINRA/SIPC.

Turn your estimate into a plan

A readiness number is a starting point. We'll help you build the income strategy behind it.

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