THE RETIREMENT ROADMAP

Your next chapter. A clearer path.

Tell us where you are. Find what deserves your attention now, what comes next, and where to get the answer.

No account. Your roadmap choices are saved on this device when browser storage is available; financial figures in the savings checkpoint are never saved.

01 / START HERE

Your priorities right now

Build your personal path above

Start with your spending, income, healthcare and the life you want. Update your details above to focus your next steps.

Are you saving enough?

Compare your projected savings with the amount your retirement spending may require.

02 / GET AN ANSWER
Savings checkpoint

Are you saving enough for retirement?

Use your savings, contributions, time and retirement income to see whether your current path is closing the gap.

Your savings checkpoint

Use today’s dollars. Change any choice to see how it changes your path.

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Set from the ages in your Roadmap. Adjust it here to test a different retirement date.

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Adjust assumptions

The projection uses the selected return after inflation. If you increase contributions with inflation, their value stays level in today’s dollars; otherwise their buying power declines. It excludes taxes, fees, benefit changes and one-time expenses. The withdrawal rate is a planning assumption, not a promise that savings will last. For context, see Fidelity’s retirement guidelines and Morningstar’s retirement-income research.

YOUR PROJECTION

See how the path develops

Run the checkpoint to chart your savings through retirement.

Enter your numbers to see a directional checkpoint.

How to read the orange line: It marks the estimated amount you may need saved when retirement begins. The tool subtracts expected Social Security and pension income from annual spending, then divides the amount your savings must provide by the selected starting withdrawal rate. All amounts are shown in today’s dollars.

03 / LOOK AHEAD

Coming up next

Milestones are planning checkpoints. Each action now opens guidance here before sending you deeper.

  1. Build your roadmap to see your next checkpoints.
04 / CONNECT THE DOTS

Have you answered these?

Good retirement decisions work together. Open a question for a practical starting point.

01Can my portfolio support my spending?

Separate essential costs from flexible spending, then test how your plan responds to a long retirement and difficult markets.

02When should I claim Social Security?

Compare monthly benefits, income while you wait, work plans and survivor needs before choosing a claiming age.

03How will I cover healthcare?

Price coverage between your last paycheck and Medicare. Then check enrollment timing, prescriptions and out-of-pocket costs.

04Should I pay off my mortgage?

Compare the payment you would eliminate with the cash you would give up. Include taxes and the cost of accessing savings.

05Where will my first withdrawals come from?

Map the first year of bills to specific accounts. Coordinate withdrawals with benefits, taxes and investment risk.

06Should I consider Roth conversions?

Compare the tax cost today with possible future taxes. Check the effect on healthcare costs and keep cash for the tax bill.

07What if markets fall just as I retire?

Decide which expenses you can adjust and where near-term spending will come from before selling investments in a downturn.

08Should I stay in my home or move?

Compare total housing costs, access to care, proximity to people you love and the daily life you want.

09What will my retirement days look like?

Sketch a realistic week with purpose, relationships, movement and rest. Try parts of that routine before your last day at work.

05 / KEEP GOING

Recommended for where you are

06 / PUT IT TO WORK

Your next three actions

All 9 decision guides are ready

Use the focused guide for the first decision, test how the decisions work together, then keep a copy of the roadmap.

  1. 1. Start with your first priorityBuild your roadmap above to identify it.
Your important retirement ages Explore the full reference timeline

Review the savings guide, Social Security guide and Medicare guide for age-based rules.

You can update your path whenever plans change.

This is an educational starting point, not a financial plan or an exact deadline calculator. Birth date, employment, coverage and account type can change the rules. Confirm your next steps with Social Security, Medicare and the IRS.