Trusted data sources:
S
SSA.gov
I
IRS.gov
B
BLS.gov
C
CMS.gov
Pre-Retiree Tool · Est. 2026

Your Personalized
Retirement Readiness Report

5 questions. Instant results.
No account needed.

30-day money-back guarantee · Instant delivery

What your report includes

📊

5-Dimension Readiness Score

Savings adequacy, income projections, healthcare planning, location readiness, and longevity risk — all scored 0–100.

🧠

Expert Recommendations

Personalized action items ranked by impact. What to do first, second, and third — with dollar amounts where relevant.

📈

SSA & Pension Benchmarks

Your estimated Social Security benefit at 62, 67, and 70 — compared against your target retirement age spending.

🔒

No Account Required

Answer 5 questions. Pay $19. Receive your report by email in under 2 minutes. No login, no tracking.

Sample Report Preview

Here's what you'll get

Sample based on a federal employee, age 61, $1.2M savings, $95K/yr target — real math, no placeholders.

Sample Report Preview
Federal Employee · Age 61 · Retirement Jan 2031
Your Baseline
Total savings: $1.2M (401k $680K + IRA $340K + Roth $180K)
FERS high-3: $112,000
Years of service: 24
SS benefit (est.): $31,200/yr at 67
FERS pension: $26,880/yr
FERS Supplement: ~$12,600/yr until 62
Annual target: $95,000
Current state: Virginia
4 Scenarios Modeled
Scenario Annual Income vs Target
A: SS at 62 $83,780/yr −$11,220 SHORT
B: SS at 67 $91,980/yr −$3,020 SHORT
C: SS at 70 $99,540/yr +$4,540 ABOVE ✓
D: SS at 67 + Roth convert $97,440/yr +$2,440 ABOVE ✓
5 Things You're Getting Wrong
  1. FERS Supplement stops when you claim SS — not at 62 automatically
  2. $56K/yr in RMDs kick in at 73 — pushing you to 37.75% tax rate
  3. Virginia taxes your SS at full rate — $1,700/yr going to the state
  4. $210K QLAC could eliminate your entire RMD exposure
  5. FEHB + Medicare Part B coordination saves ~$8,000/yr vs. private plans
Top Actions (ranked by dollar value)
  1. Delay SS to 70 → +$290,880 lifetime income
  2. Roth convert $60K/yr × 3 yrs → saves $7,800/yr in RMD taxes
  3. QLAC from IRA ($210K) → removes $210K from RMD base

Source: SSA.gov, IRS.gov, OPM.gov, CMS.gov — 2026

Your report will be personalized based on your actual inputs — numbers above are illustrative.

Why use RetireStack instead of ChatGPT?

RetireStack Generic AI
Uses real government data (SSA, IRS, BLS) ✓ —
Calculates your actual SSA benefit ✓ —
Accounts for FERS / federal pensions ✓ —
Personalized to your exact age, income, savings ✓ Partial
No hallucination risk on tax rules ✓ —
5-minute completion with email delivery ✓ —

Frequently Asked Questions

Your report includes an overall readiness score (0–100), five sub-scores (savings, income, healthcare, location, longevity), personalized recommendations ranked by impact, your estimated Social Security benefit at three claiming ages, and a Medicare gap analysis. It's delivered as a PDF-style web report to your email within 2 minutes of purchase.
No account required. This is a one-time $19 purchase. You'll answer 5 questions, pay, and receive your personalized report by email. No subscription, no login, no recurring charges.
Your answers are used only to generate your report and are never sold, shared, or used for marketing. We do not track you across the web. Payment processing is handled by Stripe — we never see or store your card details.
ChatGPT doesn't know your actual age, income, or savings — it guesses. RetireStack pulls real SSA.gov benefit estimates, IRS tax brackets, and BLS cost-of-living data matched to your inputs. The report is structured, personalized, and free from the hallucination risk that makes general AI unreliable for financial planning.
Yes — 30-day money-back guarantee. If you're not satisfied with your report, email us at hello@retirestack.ai within 30 days and we'll refund your $19 in full, no questions asked.

Stop guessing about your retirement.

5 questions. $19. Your personalized roadmap in under 2 minutes.

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AI Transparency: This report is generated by RetireStack AI using a large language model. While we use structured data from SSA.gov, IRS.gov, BLS.gov, and CMS.gov to inform the analysis, the report is not a substitute for advice from a licensed financial advisor or CFP. Always consult a qualified professional before making major retirement decisions.