Retirement Readiness Check
The one question every pre-retiree wants answered: am I ready? Put your savings next to your expenses and guaranteed income, and see whether the numbers work — surplus or shortfall, in plain English.
Retirement readiness comes down to a simple comparison. What will you spend? How much of that is already covered by guaranteed income — Social Security, a pension, an annuity? Whatever’s left is the gap your savings have to fill. Run that gap against what your portfolio can reasonably produce, and you have your answer.
This tool uses the classic 4% safe-withdrawal rule as its default — the conservative, widely-cited starting point from the Trinity study. It’s a sound first approximation, not a final answer. A real plan accounts for taxes, inflation, sequence-of- returns risk, and how your specific portfolio is invested. For advisory clients, a well-structured income strategy can often sustain more than the rule-of-thumb — that’s a conversation, not a calculator default.
Enter your numbers below.
How this works: Annual spending = monthly expenses × 12. Guaranteed income = (Social Security + pension + other) × 12. The gap is what’s left for your portfolio to cover. Portfolio income = savings × the withdrawal rate you select. A surplus means that income covers the gap; a shortfall means it doesn’t. The 4% default comes from the Trinity-study safe-withdrawal research and assumes a balanced portfolio over a ~30-year retirement. The withdrawal rate shown is a planning assumption, not a guaranteed yield.
T&T Capital Management is an SEC-registered investment adviser (CRD #158407). This tool is educational and does not constitute personalized investment advice. To talk through your specific situation, schedule a free consultation.