Retirement Confidence Center
by ProspectMatch

Free retirement check

How confident should you be about retirement?

Answer a handful of questions and get your Retirement Confidence Score — a clear, honest read on where you stand, with the numbers behind it. About two minutes. No account, no paperwork.

free · about 2 minutes · no account needed

Your score, your numbers, your next steps

2 min

is all it takes to see your Retirement Confidence Score — and what would move it.

$0 always free to use
15 retirement calculators
0 forms before your result

Try it live

Drag the sliders. Watch your score move.

A quick mirror of the full calculator — three inputs, instant read.

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Confidence score
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250000
1000
65

Want the full picture?

The full calculator factors in income needs, Social Security, and inflation — and gives you a report you can keep.

Start the full calculator →

This quick version is illustrative — the full calculator is the real thing.

How it works

Three steps to a clear picture.

01

Answer

A handful of dials — savings, contributions, the retirement you want. About two minutes.

02

See your score

Your Retirement Confidence Score, the numbers behind it, and what would move it most.

03

Keep the report

A clear written summary you can save, print, or bring to a conversation with a professional.

The suite

Free calculators for every retirement question.

Tax Diversification Score

We score how evenly your savings are spread across three tax treatments — taxable, tax-deferred, and tax-free. More balance generally means more flexibility to manage taxes in retirement.

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Will My Money Last?

We simulate your retirement savings month by month: the balance earns a steady return while you withdraw an income that rises with inflation each year, until the money runs out or you reach life expectancy.

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Retirement Confidence Score

Your Confidence Score compares the retirement nest egg you are on track to accumulate against the amount you would need to cover the gap between your desired income and your expected guaranteed income (Social Security, pension) through life expectancy. Everything is expressed in today's dollars.

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Long-Term Care Cost

We estimate the future cost of long-term care by taking the current median cost for your state and care type, growing it to the age you might need care, and multiplying by the number of years of care.

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Life Insurance Needs

We estimate life insurance needs with the widely used DIME method: Debt + Income + Mortgage + Education, minus any coverage you already have.

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Pension: Lump Sum vs Monthly

We convert the monthly pension into a single value today (its present value) so it can be compared apples-to-apples with the lump-sum offer.

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401(k) Match Maximizer

We estimate how much of your employer’s 401(k) match you’re capturing versus leaving behind, and what that gap would grow to by retirement if it went unclaimed each year.

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Your Retirement Number

We estimate the nest egg ("your number") needed to fund the income you want using a safe withdrawal rate, then the monthly contribution needed to reach it from where you are today.

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Social Security Optimizer

We estimate your monthly Social Security benefit at different claiming ages by adjusting your full-retirement-age benefit (PIA) up or down using the Social Security Administration's published reduction and delayed-credit rules. Where available, the calculation is performed by the pmSSAnalyzer engine; otherwise a transparent local estimate is used.

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Annuity Income Estimate

We grow your investment to the age income begins, then convert that value into a level monthly income over your expected payout years — an illustration only, not a product quote.

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The Cost of Waiting

We compare the future value at retirement of the same monthly contribution started today versus started after a delay. The difference is the "cost" of waiting — driven almost entirely by the compounding years you give up.

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Roth Conversion

We compare the after-tax value of converting to a Roth now (paying tax today, then growing tax-free) versus leaving the money in a traditional account (growing now, taxed at withdrawal).

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Required Minimum Distribution

We estimate your Required Minimum Distribution by dividing your prior year-end balance by the IRS Uniform Lifetime Table distribution period for your age. RMDs begin at age 73.

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Inflation Impact

We show how inflation changes the value of money over time: what a given amount today will cost in the future, and what today's dollars will be worth then.

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Retirement Income Gap

We compare the monthly income you want in retirement against the income you can reliably produce: guaranteed sources (Social Security + pension) plus a sustainable draw from your portfolio. The shortfall is your income gap.

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Questions

Good questions to ask.

Is this really free?

Yes. The calculators are free to use, no account required, and your result appears instantly.

Do I need to hand over my email or phone number?

No. There are no forms between you and your result. You choose whether to save or share your report.

How accurate is the score?

The score is a planning estimate built on standard retirement math — savings growth, inflation, and the income you want. Every calculator publishes its methodology, and the report shows the numbers behind your result.

What happens after I get my score?

You keep the report. If you want to go deeper, the calculators are presented in partnership with local financial professionals — you can take your results to yours, or to ours.

Who is behind the Retirement Confidence Center?

ProspectMatch — we build the calculator platform financial professionals across the U.S. offer to their clients and communities.

Can I share my result?

Yes. Every result has a share link, and the report can be saved or printed.

Two minutes, on your terms

Find out where you actually stand.

Free, no account, and the report is yours to keep.

Check my retirement confidence

Calculators presented in partnership with local financial professionals. Are you one? →