Know your retirement number.
Will your savings cover what you spend, every year, for the rest of your life? Am I Funded answers with a single number, and counts any gap the way you feel it: in years of spending, not dollars.
104% Funded, with 0.2 years of spending to spare at today's prices.
Priced outright, with no assumption about how long they live and Social Security counted in, that holding covers $43,000 a year through age 95.
US TIPS curve, struck 2026-09-03 · an example, not a forecast
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Price the spending
What you plan to spend in retirement is a bill that falls due year after year. It has a price today, set by interest rates after inflation, not by guesswork about market returns.
Measure the ratio
Your money over what it costs. Above 100%, your spending is funded at today's prices. Below it, you know the gap in years.
See what to fix
A probability of success can't tell you what's wrong, or what a market fall in your first retirement years would actually cost you. A priced answer can.
One number, one minute
A free retirement calculator that prices your spending off today's interest rates after inflation and returns your funded ratio, the gap in years, and what is driving it. The Funded Ratio, every essay free to read, makes the argument behind it.