Retirement Readiness Calculator
An interactive assessment that scores a prospect's retirement preparedness across savings, income replacement, Social Security timing, healthcare planning, and estate basics — then surfaces the gaps that make them want to talk to an advisor.
Most people know they "should be saving more" but can't quantify the gap. This tool does the math: what they'll need, what they're on track for, and where the shortfall is. The moment a prospect sees a $400K retirement gap in their own numbers, they stop procrastinating and start booking consultations.
Age, savings, goals. Score in 2 minutes.
Step 1 — Enter the basics
Age, target retirement age, current savings (401k, IRA, brokerage), monthly contribution, and household income. Simple sliders — no account logins, no SSN, no sensitive data.
Step 2 — Set retirement goals
Desired annual retirement income, whether they plan to downsize, expected Social Security age, and any major planned expenses (healthcare, travel, leaving an inheritance).
Step 3 — Get scored results
The calculator scores them across 5 dimensions: savings trajectory, income replacement ratio, Social Security optimization, healthcare preparedness, and estate basics. Each area is green, yellow, or red — with a clear overall readiness score.
Step 4 — Gaps create urgency
Specific gap recommendations appear: "Your current savings trajectory leaves a $412,000 shortfall by age 67" or "You have no healthcare bridge plan for the 2 years before Medicare." Contact capture follows — with specific advisory needs pre-identified.
Five dimensions of retirement readiness
Savings Trajectory
Are current contributions + growth on track to meet the retirement income goal? What's the projected gap or surplus?
Income Replacement
What percentage of pre-retirement income will be replaced by savings + Social Security + pensions? Target is typically 70–80%.
Social Security Timing
Is the planned claiming age optimal? Early claiming at 62 vs. waiting until 70 can mean a 76% difference in monthly benefits.
Healthcare Bridge
Is there a plan for healthcare costs between retirement and Medicare eligibility at 65? Average gap costs $15,000–$25,000/year.
Estate & Legacy
Are basic estate documents in place? Will, trust, beneficiary designations, power of attorney, healthcare directive.
Why calculators convert better than "schedule a consultation"
Makes the abstract concrete
"I should save more" becomes "$412K shortfall by 67." Specific numbers create specific urgency that general advice never does.
Pre-qualifies assets
Savings balances, income levels, and contribution rates are captured in the flow. Your team knows the AUM potential before the first meeting.
Captures at the gap
Contact info is collected after the prospect sees their shortfall. Lead-to-consultation rates of 20–35% based on our financial services deployments.
Technical specs
Built for financial advisory firms
The Retirement Readiness Calculator is designed for RIAs, wealth management firms, financial planning practices, and retirement-focused advisory businesses. It adapts to your firm's planning philosophy, product offerings, and AUM thresholds.
Disclaimer: This tool does not provide financial advice, investment recommendations, or retirement planning guidance. It is an educational lead-qualification assessment that provides general estimates based on user-entered data. All projections are illustrative and do not account for taxes, inflation variability, market volatility, or individual circumstances. Users should consult a qualified financial advisor for personalized planning.
Turn retirement anxiety into booked consultations.
Custom-built around your firm's planning philosophy and target client profile. Single tool builds start at $1,500.