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//// Financial · Retirement

Retirement Readiness Score

Enter your savings, contributions, match, and retirement spending — get a readiness score, projected balance, income gap, and Fidelity benchmark check (1× salary by 30, 3× by 40, 6× by 50).

401(k) Limit 2024$23,000
Roth IRA Limit$7,000
S&P 500 Avg Return~10%/yr

Your situation

Your age today

Target retirement age

Used for Fidelity benchmarks

$

401k + IRA + Roth + pension

$

Your contribution per month

$

Match % (e.g. 50 = 50% match)

%

Match applies up to X% of salary

%

Historical avg: 7% (inflation-adj)

%

Desired monthly spending in retirement

$

Estimate from ssa.gov (default $1,800)

$

Pension, rental income, part-time work

$
Projected Balance$1.9Mat age 65
Monthly Income$8,268portfolio + SS + other
Income Gap+$3,768monthly surplus
Years to Retire30age 35 → 65
Exceeds Target184% of expenses covered

Projected income surpasses your retirement expenses. You're on pace for a comfortable retirement — consider front-loading or retiring earlier.

Readiness score100/100
0 — Significantly Behind100 — Exceeds Target

Monthly retirement income breakdown

Portfolio (4% rule)
$6,468/mo
Social Security
$1,800/mo
Expenses needed
$4,500/mo

Fidelity savings benchmarks

Fidelity recommends having a multiple of your salary saved by each age milestone.

by 30 — need $90K($5K short)
$85K
by 40 — target $270K
$194K
by 50 — target $540K
$567K
by 60 — target $720K
$1.3M
by retirement — target $900K
$2.3M

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