Retirement Readiness Questions

How do I know if I’m ready to retire?
Being retirement-ready means more than reaching a certain age. You need to understand whether your income sources—Social Security, pensions, savings, and investments—can reliably support your lifestyle for the rest of your life.

How long will my retirement savings last?
That depends on your withdrawal rate, investment performance, inflation, and longevity. This calculator helps estimate how long your income may last under different scenarios so you can spot potential shortfalls early.

What is a safe withdrawal rate in retirement?
There is no one-size-fits-all answer. While many people reference the “4% rule,” real-world retirement planning should account for market volatility, taxes, and rising expenses.

What happens if I outlive my savings?
Outliving savings can create serious stress in later retirement years. Identifying this risk early allows you to explore strategies that may provide more predictable or guaranteed income.

How does Social Security affect retirement readiness?
Social Security timing plays a major role in lifetime income. Claiming too early or without coordination can reduce total benefits and increase the risk of running out of money.

Is this retirement readiness check personalized?
This tool provides an educational estimate based on the information you enter. A personalized retirement plan can further refine these results and address taxes, healthcare, and survivor income needs.