Retirement Clarity Score

Model your income needs, your buckets of money, and inflation and taxes. Then run thousands of real market scenarios to see how confident you can be in the plan you’re building.

About you

Current age

Retirement age

Plan to age

Filing statusBirth year

State tax rate

Flat approximation

Income needs & Social Security

Desired annual income in retirement

Today's dollars, after-tax spendingAnnual savings contribution

Today's dollars, per yearHousehold Social Security

Monthly, today's dollarsSocial Security claiming age

Pension (if any)

Annual, today's dollarsInflation assumption

3.00%

Your buckets of money

Current balances by tax treatment

Cash & emergency fund

Taxable brokerage

Traditional 401(k) / IRA

Roth IRA / Roth 401(k)

Cash value life insurance

IUL / whole life cash valueTaxable brokerage cost basis

60%

% of balance that is basis (not gain)

Assumptions

How your invested buckets are assumed to grow

Investment risk profileOrdinary-income bracket targetPreferred ceiling when drawing from Traditional accounts

Your score right now

Updates live as you adjust the numbers

80On Track

Scenarios simulated: 600
Scenarios that ran short: 121
Median balance at plan end: $5,299,420

Projected portfolio range

10th–90th percentile outcomes across all simulations

Your buckets of money today

How your current savings are split by tax treatment

A score is a starting point, not a plan.

Book a strategy call to turn this projection into an actual sequencing strategy.

Important information

This tool provides an educational, hypothetical projection only. It is not a personalized recommendation and does not constitute financial, tax, legal, or insurance advice. It uses 2026 federal tax brackets, standard deduction, long-term capital gains rules, and required minimum distribution tables, plus the return, inflation, and risk assumptions you selected above. It does not model state-specific tax nuance beyond the flat rate you enter, IRMAA Medicare surcharges, or your complete financial picture. Cash value life insurance figures use a simplified floor/cap crediting assumption and are not a policy illustration from any insurance carrier. They do not reflect actual policy terms, riders, charges, or underwriting. Actual results will vary and are not guaranteed. BE WELLthy is not currently a licensed securities professional or investment adviser; nothing here should be treated as a recommendation to buy, sell, or hold any security or insurance product. Consult a licensed financial, tax, legal, or insurance professional before making any decisions based on this tool.