Compare your expected annual spending to your projected income — Social Security, any pension, and a sustainable withdrawal (often around 4%) from your savings. When income covers spending with a little room to spare, you're in a strong spot. The free Retirement Assessment walks you through it in about five minutes.

Recent Federal Reserve data shows the average retirement savings for Americans aged 55–64 is around $538,000, with a median near $185,000. The encouraging part: your savings is only one piece of the picture — Social Security, home equity, and a thoughtful plan can stretch those dollars much further than the headline number suggests.

Building a plan that accounts for the full 25–30 years of retirement, including taxes, healthcare, and inflation. The good news is that once you have that bigger picture, most decisions get simpler — you just check each new choice against the plan rather than guessing.

Yes — many people do. At 62, $500,000 can generate roughly $1,500–$1,700/month using a 4% withdrawal, alongside early Social Security of around $1,400/month. With a reasonable lifestyle and a healthcare plan in place for the years before Medicare, it's a very workable starting point.

The assessment gives you an at-a-glance readiness score across savings, income, and timing — so you know where you stand. The calculator lets you test specific scenarios and see what's possible. Most people enjoy starting with the assessment, then using the calculator to explore ideas.

Yes — both the Retirement Assessment and the Retirement Calculator are completely free, with no obligation. The site exists to help you see your situation more clearly, whether or not we ever speak.