Turn retirement into a readiness score, not a vague age.
Retirement Readiness estimates funded status, contribution gaps, retirement-age tradeoffs, and income sources so long-term planning becomes a monthly action.
Retirement planning needs a dashboard and a next move
Most retirement calculators end with a huge number and a quiet panic. Investify is designed to break that number into a funded-status score, a monthly contribution gap, and the specific lever that improves the plan from here.
- Funded-status estimate
- Monthly contribution gap
- Retirement age scenarios
- Income source planning
- Inflation and return assumptions
Retirement gap planner
Project your retirement portfolio and estimate the monthly savings gap.
Interactive
| Age | Balance | Contributions | Funded Status |
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Investify provides educational tools and information only — not financial, tax, or investment advice. Results are estimates. Consult a qualified professional before making decisions.
The readiness model
Every retirement plan is a stack of assumptions. Investify makes the stack visible.
Savings base
Pull together 401(k), IRA, Roth IRA, HSA, brokerage, and cash earmarked for long-term use.
Future contributions
Model current savings rates, employer match, raises, catch-up contributions, and planned increases.
Income need
Estimate spending in retirement instead of treating income replacement as a magic percentage.
Income sources
Layer in editable Social Security, pension, part-time income, rental income, or other expected cash flow.
Gap analysis
Show the monthly contribution needed to close the gap at different retirement ages.
Scenario testing
Stress-test inflation, lower returns, early retirement, or higher healthcare costs.
From years away to this week’s action
Estimate the target
Define retirement age, spending needs, expected income sources, and the accounts that will fund the plan.
Measure the gap
See funded status, contribution shortfall, and which assumptions matter most.
Pick the lever
Adjust savings rate, retirement age, spending target, or account strategy and turn the best lever into a weekly action.
Retirement questions
Is this a retirement calculator?
It includes calculator-style math, but the product page is for a broader readiness module: funded status, contribution gap, retirement age tradeoffs, income sources, and weekly actions.
Does it include Social Security?
The planned module includes an editable Social Security estimate as one possible income source, along with savings, employer plans, IRAs, taxable investments, and spending assumptions.
Are the projections guaranteed?
No. Retirement projections depend on uncertain assumptions like returns, inflation, taxes, income, spending, and life expectancy. Investify labels them as planning estimates.
Make retirement less abstract.
Use the 401(k), Roth IRA, and future value calculators while the full readiness module is built.
Investify provides educational tools and information only — not financial, tax, or investment advice. Results are estimates. Consult a qualified professional before making decisions.