Is your retirement funded?
Not what it might cost if markets behave: what it costs today. Your spending rises with prices, so it is priced on the bonds that do too, and set against what you have.
Say you're 55 and live in the United States. You retire at 65 and spend $50,000 a year.
Inflation-linked government bonds bought today could pay what Social Security does not, every year to 95.
- Cost today
- $435,000
- Your savings
- $452,000
- Left over
- $17,000
Before tax.
US TIPS curve, struck 2026-10-22 · an example, not a forecast
About a minute. No signup, and nothing you enter is stored on our servers.
Price the spending
Each year of retirement is a bill that falls due. It has a price today, set by inflation-linked government bonds, the way any bond is priced.
Set it against what you have
Your savings over that price is your funded ratio. Above 100%, the plan is paid for at today's prices; below it, you see what is still to find.
See what a market move does
A success score can't tell you what a fall in your first retirement years would cost. A price can. Have a score from another planner? Put its numbers in and see what it leaves out.
Four numbers, about a minute
Your age, when you retire, what you spend and what you have. The essays make the argument behind it, starting with Why Monte Carlo Is Theater, The One Number That Matters and Which Assets Actually Hedge Inflation.