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A 0–100 score that tells you where your retirement plan stands today — and what to focus on next.
Five components, each weighted by how much control you have and how much it impacts real retirement outcomes.
How often your portfolio survives 1,000+ simulated market scenarios across your full retirement horizon. Each simulation uses randomized return sequences, inflation, and sequence-of-returns risk. A 90%+ success rate in Monte Carlo is considered strong.
Your annual contributions as a percentage of gross income. The benchmark is 15% (including employer match). Savers at 10% score partially here; those at 20%+ score fully. This is the single most controllable lever in your retirement plan.
How many years you have until your target retirement age. More time means more compounding runway and more opportunity to recover from downturns. This component also factors in life expectancy — a longer retirement requires a larger nest egg.
Whether your accounts are spread across account types (Roth, Traditional, taxable) and asset classes. Tax diversification gives you flexibility in retirement to draw from whichever account minimizes your tax burden each year.
How close your projected retirement income is to your target monthly income. If your target is $5,000/month and your projection shows $3,500/month, this component reflects the 70% gap — and the strategies that could close it.
Each range comes with a different set of recommended actions.
Your current trajectory is strong. Focus on maintaining your savings rate, reviewing your allocation annually, and optimizing for taxes in the final years before retirement.
You're building solid momentum but have meaningful room to improve. Common opportunities: increase contributions by 1–2%, optimize account types for tax efficiency, or reconsider your retirement age by 1–2 years.
There's a meaningful gap between your current path and your target. This is the most common range and very fixable with intentional changes — especially if you have 10+ years until retirement.
Significant changes are needed. Run scenarios to understand the tradeoffs — working 2–3 more years, increasing contributions, or adjusting your target income can all meaningfully shift your trajectory.
Even 1% more per year compounds dramatically. If you're at 8%, moving to 10% can shift your Monte Carlo success rate by 5–10 points over 10 years.
Tax diversification is the lowest-friction improvement. Contributing even $100/month to a Roth IRA alongside your Traditional 401(k) boosts your diversification score.
Working 2 more years has a double effect: more contributions in + fewer withdrawals out. It's the most powerful lever if you're 5–10 years from retirement.
Is your target income realistic? Many people overestimate by 20–30%. A target that's achievable puts the income progress component in a much better position.
Does the score update automatically?
Yes. Every time you update an account balance, change your income target, or adjust your retirement age, the score recalculates instantly. The score is a live snapshot, not a static report.
Is a score of 100 the goal?
Not necessarily. A score of 85+ means you're on track for your stated goals. Chasing 100 might mean over-saving in ways that reduce your quality of life today. The goal is alignment between your current plan and your future income target.
Why does Monte Carlo make up 30% of the score?
Because sequence-of-returns risk is the biggest threat to retirement income — even a strong average return can fail if the market crashes in your first few years of withdrawals. Monte Carlo captures this reality better than simple average projections.
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