Am I on track for retirement?

Compare your current pace with two transparent alternatives. This checks progress toward the goal you entered; it does not predict investment returns or tell you when to retire.

Your working numbers

Saved for retirementPublished planning example Monthly contributionPublished planning example Current agePublished planning example Planned retirement ageYour choice; not a recommendation Goal at retirementYour entered target Annual return assumptionEditable planning assumption Expected inflationConstructed default; not a forecast Show in today’s dollars

Same goal, three paths

What could change the read?

Seven steps use the same canonical engine.

Assumptions and sources

Published rule

Readiness bands

100%+ on track · 80%–99.99% close · below 80% behind. Existing MTM calculator behavior.

Constructed default

3% inflation

Editable, not a forecast. The Federal Reserve’s longer-run inflation objective is 2%.

Your choice

Retirement age

Age 65 is only the starting example. Social Security full retirement age is 67 for people born in 1960 or later.