Retirement Confidence Center
by ProspectMatch

Free retirement check

How confident should you be about retirement?

Answer a handful of questions and get your Retirement Confidence Score — a clear, honest read on where you stand, with the numbers behind it. About two minutes. No account, no paperwork.

free · about 2 minutes · no account needed

Your score, your numbers, your next steps

2 min

is all it takes to see your Retirement Confidence Score — and what would move it.

$0 always free to use
12 retirement calculators
0 forms before your result

Try it live

Drag the sliders. Watch your score move.

A quick mirror of the full calculator — three inputs, instant read.

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Confidence score
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250000
1000
65

Want the full picture?

The full calculator factors in income needs, Social Security, and inflation — and gives you a report you can keep.

Start the full calculator →

This quick version is illustrative — the full calculator is the real thing.

How it works

Three steps to a clear picture.

01

Answer

A handful of dials — savings, contributions, the retirement you want. About two minutes.

02

See your score

Your Retirement Confidence Score, the numbers behind it, and what would move it most.

03

Keep the report

A clear written summary you can save, print, or bring to a conversation with a professional.

The suite

Free calculators for every retirement question.

Annuity Income Estimate

We grow your investment to the age income begins, then convert that value into a level monthly income over your expected payout years — an illustration only, not a product quote.

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Retirement Income Gap

We compare the monthly income you want in retirement against the income you can reliably produce: guaranteed sources (Social Security + pension) plus a sustainable draw from your portfolio. The shortfall is your income gap.

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Inflation Impact

We show how inflation changes the value of money over time: what a given amount today will cost in the future, and what today's dollars will be worth then.

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IRMAA Surcharge Estimate

IRMAA (the Income-Related Monthly Adjustment Amount) is an extra premium higher-income households pay on top of the standard Part B and Part D premiums. We place your MAGI in the official brackets for your filing status and total the monthly surcharges into an annual figure.

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The Cost of Enrolling Late

Medicare's late-enrollment penalties are permanent premium increases. We apply the official penalty formulas to how late you were (or would be), then total the extra cost over the years you expect to have Medicare.

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Medicare Readiness Check

Your readiness score combines two things: your personal Initial Enrollment Period (the 7-month window Medicare gives you around your 65th birthday) and how settled your coverage path is. It tells you where you stand and how much runway you have.

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Supplement vs. Advantage: Total Cost

We compare the total annual cost of the two ways people typically cover Medicare's gaps: Original Medicare with a supplement (Medigap) plus a standalone drug plan, versus a Medicare Advantage plan. Both paths use the premiums you enter; expected out-of-pocket costs come from your chosen usage level.

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Will My Money Last?

We simulate your retirement savings month by month: the balance earns a steady return while you withdraw an income that rises with inflation each year, until the money runs out or you reach life expectancy.

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Healthcare Costs in Retirement

We total your expected healthcare spending from your current age through your planning horizon: premiums plus out-of-pocket costs, growing each year at a healthcare-inflation rate. The result is the lifetime figure — the number a retirement income plan needs to fund.

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Your Retirement Number

We estimate the nest egg ("your number") needed to fund the income you want using a safe withdrawal rate, then the monthly contribution needed to reach it from where you are today.

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Social Security Optimizer

We estimate your monthly Social Security benefit at different claiming ages by adjusting your full-retirement-age benefit (PIA) up or down using the Social Security Administration's published reduction and delayed-credit rules. Where available, the calculation is performed by the pmSSAnalyzer engine; otherwise a transparent local estimate is used.

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Working Past 65: Delay Decision

Whether it's safe to delay Medicare while working past 65 turns on a small set of published rules: who pays primary (which hinges on employer size), the HSA six-month lookback, and the 8-month Special Enrollment Period after employment coverage ends. We apply those rules to your answers and return a verdict with the reasons.

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Questions

Good questions to ask.

Is this really free?

Yes. The calculators are free to use, no account required, and your result appears instantly.

Do I need to hand over my email or phone number?

No. There are no forms between you and your result. You choose whether to save or share your report.

How accurate is the score?

The score is a planning estimate built on standard retirement math — savings growth, inflation, and the income you want. Every calculator publishes its methodology, and the report shows the numbers behind your result.

What happens after I get my score?

You keep the report. If you want to go deeper, the calculators are presented in partnership with local financial professionals — you can take your results to yours, or to ours.

Who is behind the Retirement Confidence Center?

ProspectMatch — we build the calculator platform financial professionals across the U.S. offer to their clients and communities.

Can I share my result?

Yes. Every result has a share link, and the report can be saved or printed.

Two minutes, on your terms

Find out where you actually stand.

Free, no account, and the report is yours to keep.

Check my retirement confidence

Calculators presented in partnership with local financial professionals. Are you one? →