You’re unsure if you’re on track
Use this tool to get a quick directional answer.
Tool | Growth
Retirement Check
Use this tool to get a quick, practical read on your retirement direction. It’s not about perfect projections—it’s about understanding whether you’re on track and what to do next.
Want deeper strategy? Read the TSP Strategy Guide
What this tool helps you do
- Get a quick readiness check
- Identify major gaps
- See if you're on track
- Choose the next step
When to use this
Use this when you want clarity, not complexity.
You want a starting point
Use this before diving into deeper retirement planning.
You want your next step
This tool helps you decide what to do next—not just where you stand.
Retirement Check Tool
Start here
This is a simplified planning tool. It projects current savings forward using monthly contributions and an assumed annual return, then uses a simple 4% withdrawal estimate to approximate possible retirement income. Most users can complete this tool in about 1–2 minutes.
This tool uses monthly compounding for the projection and a simplified 4% annual withdrawal estimate for retirement income.
What to do next
Use your result to move forward.
Need stronger retirement strategy?
Go deeper into contribution planning and long-term investing.
Need a clearer starting point?
Use the Assessment to identify your biggest opportunity.
Related tools and guides
Keep building from here.
TSP Strategy Basics
Understand how retirement accounts work.
Financial Readiness
See how retirement fits into your full system.
Ask FRI AI
Get a faster answer based on your situation.
Common questions
Use the tool well by understanding what it is and is not.
What does the Retirement Check help you understand?
It helps you estimate future retirement savings, approximate monthly retirement income, and compare that estimate with your desired monthly retirement income so you can see whether you may be behind target, within reach, on track, or ahead.
Does this tool predict actual retirement results?
No. This is a simplified planning tool, not a prediction. Actual investment returns, taxes, inflation, Social Security, pensions, healthcare costs, and spending needs can change the outcome materially.
What does the 4% estimate mean here?
It is used here as a rough planning shortcut. It converts projected retirement savings into an approximate annual withdrawal amount to help compare your current path with a target retirement income.
Does this tool replace financial advice?
No. This tool is for educational and planning purposes only. It helps organize assumptions and highlight a practical next step, but it does not replace individualized financial, legal, tax, or investment advice.
Important note
Use this as a checkpoint, not a prediction.
This tool uses a simplified projection model and does not account for taxes, inflation, Social Security, pensions, changing contribution levels, sequence-of-returns risk, healthcare costs, or retirement spending patterns unique to your life. Use it as a practical starting point, then continue into the most relevant guide, pathway, or follow-up question.
Next Step
Turn this into a clear plan.
Use your result as a starting point. The next step is improving the part of your system that matters most.