Financial Wellness Score
Think of it as a credit score for retirement: 19 weighted health checks — success chance, withdrawal rate, must-spend coverage, cash flow, taxes, Medicare surcharges, RMD readiness, emergency fund, and more — combined into a 0–100 score with an A–D grade and specific fixes to try. Run a Monte Carlo simulation for the most accurate result.
Score
48
Grade D
Needs work • 48/100
Base-case estimate — run Monte Carlo on Chance of Success for the simulation-accurate score
Updates after you run Monte Carlo (kept until you edit the plan)
Insights
- Must-spend is only 59% covered by guaranteed income — consider delaying Social Security or adding an income annuity.
- Withdrawal rate 7.4% is high (above 4%) — the money could run out; trim discretionary spending or switch to a guardrails strategy.
- Chance of success 25.0% is below the 80% guardrail — cut spending about 28%.
- Roth conversions 0% of assets — consider filling the 22% bracket with Roth conversions before RMDs begin.
- Sequence risk is high: a bad-market future leaves only 0% of what the median plan does — consider a guardrails or VPW strategy that trims after downturns.
Guardrails — spending bands around an 80% success target
Below 70% — cut about 28% to $88,905/yr to return to the 80% success target (comfortable ceiling $97,796/yr, floor $80,015/yr).
Now spending $123,479/yrSafe $88,905/yrComfortable +10% $97,796/yrCutback −10% $80,015/yr
19 weighted health checks
Chance of Success20
25.0% • weight 2
Withdrawal Rate18
7.4% • weight 1.5
Must Spend Coverage59
59% • weight 1.4
Like Spend Flexibility47
47/100 • weight 0.8
Cash Flow Health50
50/100 • weight 1
Net Worth Trajectory0
0/100 • weight 1
Tax Efficiency84
84/100 • weight 1
IRMAA Exposure100
100/100 • weight 0.6
RMD Preparedness66
66/100 • weight 0.7
Healthcare Inflation90
90/100 • weight 0.6
Longevity Buffer89
89/100 • weight 0.8
Age-Appropriate Mix86
86/100 • weight 0.7
Emergency Fund100
100/100 • weight 1
Savings Rate50
50/100 • weight 0.7
Roth Optimization60
60/100 • weight 0.8
Legacy0
0/100 • weight 1
Sequence Risk10
10/100 • weight 0.9
Inflation Resilience78
78/100 • weight 0.7
Guardrail Position20
20/100 • weight 1.2
Weights: success chance counts most (2.0), then withdrawal rate (1.5) and must-spend coverage (1.4); others 0.5–1.2. Score = weighted average. Grades: A ≥85, B ≥70, C ≥55, D below 55.
Computed entirely in your browser from your plan, projection, and Monte Carlo results — nothing ever leaves your device.