Your Confidence Score compares the retirement nest egg you are on track to accumulate against the amount you would need to cover the gap between your desired income and your expected guaranteed income (Social Security, pension) through life expectancy. Everything is expressed in today's dollars.

Step by step

1. We grow your current savings and ongoing contributions to your retirement age using a future-value calculation, at the average annual return you choose (default 6%).
2. We translate the income you want (above what Social Security and pensions provide) into the lump sum needed to fund it through the age you choose to plan to, using a present-value calculation with an inflation-adjusted (real) return during retirement.
3. The score is the ratio of what you are on track to have versus what you need (the same whether measured at retirement in future dollars or in today's dollars), capped at 100, and grouped into a confidence band. Because of inflation, the future-dollar need is larger than the today's-dollar need — both are shown.

The math

Future value: FV = P(1+i)^n + C·[((1+i)^n − 1)/i]. Required nest egg: present value of an annuity, PV = PMT·[1 − (1+r)^−n]/r, using a real return r = (1+nominal)/(1+inflation) − 1.

Sources & assumptions

• Standard time-value-of-money formulas (public domain).
• Default return and inflation assumptions are shown on-screen with every result and are tenant-configurable within guardrails.

Note: The exact banding thresholds and any future weighting refinements are proprietary; the inputs and the core finance math above are fully disclosed.

1. This Retirement Confidence Score is an educational estimate, not financial advice or a guarantee of future results.
2. Projections use simplified assumptions shown alongside your results and do not account for taxes, fees, or market volatility.
3. Speak with your advisor for a complete financial plan.