Retirement Readiness Assessment

15 questions covering savings habits, debt, investments, income planning, and financial knowledge. Find out exactly how prepared you are for retirement and what to prioritise next.

1. How old are you?

Under 35 — plenty of time to compound 35–45 — strong building years 46–55 — accelerating needed 56–64 — closing the window 65+ — already at or near retirement

2. Do you have a dedicated retirement account (401k, IRA, Roth IRA, etc.)?

Yes, actively contributing Account open but not contributing regularly No retirement account

3. What percentage of your income are you currently saving/investing for retirement?

15% or more 10–14% 5–9% Under 5% or nothing

4. Do you have an employer match on your 401k and are you taking full advantage of it?

Yes — I contribute enough to get the full match Employer offers a match but I'm not maximising it No employer — I'm self-employed or no match offered

5. How would you describe your current debt situation?

Debt-free or only a low-rate mortgage Some manageable debt I'm actively paying down High debt — credit cards, loans, or student loans

6. Do you have a personal emergency fund (3–6 months of expenses)?

Yes — 6 or more months saved Partial — 1–3 months saved No emergency fund

7. Are your retirement investments diversified across different asset types?

Yes — stocks, bonds, index funds, real estate, etc. Mostly in one type (e.g., just a 401k or just stocks) I'm not invested or unsure what I own

8. Have you estimated how much money you will need to retire comfortably?

Yes — I have a clear retirement income target and plan I have a rough idea but no formal calculation I haven't thought about a specific number

9. Do you have any additional income streams beyond your primary job/business?

Yes — real estate, investments, business, royalties Occasionally — some side income No — single income source only

10. Do you have adequate life and disability insurance in place?

Yes — life and disability coverage both in place Partial — one but not the other No insurance coverage

11. Have you considered Social Security strategy and when you'll claim benefits?

Yes — I have a specific strategy for when to claim Somewhat — I know it exists but haven't planned I haven't considered Social Security in my planning

12. Do you have a will, trust, or estate plan in place?

Yes — will, beneficiaries, and estate plan all current Partial — some documents but not comprehensive No estate planning in place

13. How would you rate your overall financial literacy around investing and retirement?

Strong — I understand compound interest, allocation, and tax strategy Moderate — I know the basics Low — investing still feels confusing to me

14. Do you work with a financial advisor or retirement planner?

Yes — regular reviews with a professional Occasionally — ad hoc consultation No — managing entirely on my own

15. How confident do you feel about your retirement preparedness overall?

Very confident — I have a clear plan and I'm executing it Somewhat confident — could be better but moving in the right direction Not confident — I know I need to do more but haven't started

Your Retirement Readiness Score

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Retirement Readiness Assessment

15 questions covering savings, debt, investments, income planning, and financial knowledge. Find out exactly how prepared you are and what to prioritise.

Retirement Readiness Assessment