How ready are you for retirement?

This calculator uses standard compound interest and present-value annuity formulas — the same methods financial planners use. However, it's a simplified model. Actual returns vary year to year, tax implications differ per individual, and Social Security benefits aren't included. For a comprehensive plan, book a free Financial Need Analysis with our licensed advisors.

No. All calculations happen in your browser. We do not store, transmit, or share any of your financial data. Your privacy is absolute.

It's a 0–100 score showing what percentage of your retirement goal your current trajectory is projected to cover. A score of 75 means you're projected to accumulate 75% of what you'll need. Scores above 100 indicate a projected surplus.

Use 'Conservative' (5%) for a bonds-heavy portfolio, 'Moderate' (7%) for a balanced stock/bond mix, or 'Aggressive' (10%) for a mostly-equities approach. Historical US stock market returns have averaged ~10% before inflation, ~7% after.

Absolutely. KAV Solutions offers a complimentary Financial Need Analysis — a 45-minute session with a licensed advisor who will review your complete financial picture and build a personalised roadmap. No fees, no sales pressure.