Find out if you're on track for retirement — and exactly what to do if you're not. Enter your age, income, current savings, contribution rate, and target retirement age. Get a complete retirement projection with FIRE number, employer-match gap analysis, Roth vs Traditional breakdown, and a 3-step action plan in plain English. No advisor fees, no AUM percentages, no product pitches. ## What's included - **Retirement readiness diagnostic** — age, income, current 401(k) / IRA / brokerage balances, contribution rate, employer match → on-track / behind / ahead verdict with specific savings rate to close the gap - **FIRE number calculator** — 25x annual expenses (Trinity Study), 4% rule, lean-FIRE / regular-FIRE / fat-FIRE tiers with honest sequence-of-returns risk discussion - **Employer match gap analysis** — "you're leaving $X/year on the table" if you're below the match ceiling; shows year-30 compounded value of the gap - **Roth vs Traditional breakdown** — current tax bracket vs projected retirement bracket; backdoor Roth eligibility check; Roth conversion ladder math - **Account-type waterfall** — 401(k) → match → HSA → Roth IRA → backdoor Roth → taxable brokerage; SEP-IRA / Solo 401(k) sizing for self-employed - **SECURE 2.0 awareness** — 50+ catch-ups, Roth catch-up rule (>$145K must be Roth from 2026), 10-year inherited IRA rule, 2026 contribution limits - **3-step action plan** — exactly what to change this month (bump 401(k) to 8% to capture full match, open Roth IRA at Fidelity, redirect bonus into HSA); not generic advice ## Limitations - **Educational tool only — NOT licensed financial advice** — specific fund / security recommendations remain with your CFP or fiduciary advisor - **Not connected to brokerages** — you bring the numbers; agent doesn't pull from Fidelity / Schwab / Vanguard - **Not a tax preparer** — Roth conversion math is illustrative; complex AMT / NIIT / state-tax scenarios need a CPA - **U.S.-focused** — 401(k) / IRA / SEP / HSA; Canadian RRSP / TFSA, UK SIPP / ISA, AU super adapt via inputs - **2026 limits hardcoded** — $23,500 401(k) / $7,000 IRA / $4,300 self-only HSA; updates annually ## Best fit W-2 employees with 401(k) access, self-employed individuals deciding between SEP-IRA and Solo 401(k), and anyone in their 30s-50s asking "am I saving enough?" Especially valuable for high-earners ($100K-$300K) where one missed employer-match year = $10K-$25K of compound growth lost, and the Roth-vs-Traditional decision over a 30-year career swings $200K-$500K in lifetime tax. At $9/mo this replaces a $500-$2,000 fee-only retirement plan.
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