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Retirement Readiness Scorecard
A holistic look at how ready you are for retirement — Social Security, income, taxes, healthcare, estate, and more. No account numbers. No sales pitch. Takes about 5 minutes.
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A note before you start: Never share account numbers or exact balances on any website — including this one. We only ask for ranges.
01 · Section
Social Security
Timing and strategy for your benefits.
Do you know your Full Retirement Age (FRA) and what benefit you'd get at 62, FRA, and 70?
Have you compared claiming strategies with your spouse's benefit (or survivor benefit) in mind?
Do you know how much of your Social Security will be taxable?
02 · Section
Retirement Income
Turning assets into a monthly paycheck.
Do you know roughly what you'll spend each month in retirement?
Have you listed all your income sources side by side (Social Security, pension, withdrawals, part-time work)?
Is guaranteed income (Social Security + pension) enough to cover your essential expenses?
03 · Section
Asset Sufficiency
Do your savings support the plan?
What's the approximate range of your total retirement savings (all accounts combined)?
Ranges only — never share exact balances online.
Do you have a plan for how much you can safely withdraw each year?
04 · Section
Estate Planning
Documents in order for the people you love.
Do you have a current will and/or living trust?
Do you have Power of Attorney and Healthcare Directives in place?
Have you reviewed beneficiary designations on all accounts in the last 3 years?
05 · Section
Survivor Planning
What happens if one spouse passes first.
Have you and your spouse discussed what income would look like if one of you passed first?
If you have a pension, do you know the survivor benefit election?
06 · Section
Tax Planning
Managing brackets across retirement.
Do you understand how Required Minimum Distributions (RMDs) will affect you at 73/75?
Have you evaluated whether Roth conversions make sense before RMDs begin?
Do you know your current marginal tax bracket?
07 · Section
Healthcare
Medicare, gaps, and long-term care.
Do you have a Medicare plan in place (or a clear plan for when you turn 65)?
Do you have a strategy for long-term care costs?
If retiring before 65, do you have a plan to bridge health coverage?
08 · Section
Emergency Reserves
Cash for the unexpected without wrecking the plan.
How many months of essential expenses do you have in cash or short-term reserves?
How would you describe your debt going into (or during) retirement?
You can answer as many or as few as you like — unanswered questions score 0.
Educational only. This content is general retirement education — not personalized financial, tax, or legal advice. Every situation is different; if you'd like Ebby to look at yours, use Talk With Ebby.