Launching 2026

Your retirement preflight check

Don't Just Get a Score.
See Your Retirement Flight Plan.

Most tools give you one number. RetireRunway shows you every combination of when you can retire and at what lifestyle — then tells you exactly what to ask your financial planner.

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15 min

Time to Results

0–100

Readiness Score

CFP Sub-Scores

100%

Private & Secure

✦ Your Retirement Flight Plan

One score isn't enough. See every route to retirement.

Every combination of retirement age and spending level — so you can find your sweet spot. The same framework experienced financial planners use with clients.

Sample Flight Plan

	Age 55	Age 57	Age 60	Age 65
Lean$9K/mo	B 82	A 91	A 95	A 98
Maintain$11K/mo	D 52	B 82★	A 90	A 96
Luxury$13K/mo	F 38	C 63	B 80	A 93

Sweet spot found: This person can maintain their current lifestyle with high confidence at age 57. At 55, only a lean budget is sustainable. At 60, even luxury spending works.

Built on CFP Board methodology with income-adjusted benchmarks

⚠ The #1 Blind Spot

Retiring before 65?
The healthcare gap is real.

Most retirement calculators ignore the hardest years — the gap between your last day of employer coverage and Medicare at 65. RetireRunway doesn't.

We calculate your exact ACA premium with subsidy estimates for your zip code, warn you about the subsidy cliff that could cost thousands, and map the full bridge from COBRA to the ACA marketplace to Medicare.

This is the analysis that makes people forward their report to their spouse.

Healthcare Bridge: Age 57 → 65

Ages 57–58 · COBRA

18 months employer plan continuation

~$2,100/mo

Ages 58–65 · ACA Marketplace

Silver plan with subsidy (zip-specific)

~$1,840/mo after subsidy

Age 65+ · Medicare

Parts A + B + supplement

~$400/mo standard

✦ Your Preflight Instruments

Six checks before you take off

Built on CFP Board methodology. Personalized to your numbers.

Income Replacement

Can your retirement income — Social Security, pension, portfolio — actually fund your lean, maintain, and luxury spending levels?

Savings Runway

How many years will your portfolio last? Includes a pre-59½ liquidity check — do you have enough accessible money for the early years?

Healthcare Readiness

COBRA vs. ACA with zip-code-level subsidy estimates, subsidy cliff warnings, and IRMAA risk for high earners on Medicare.

Tax Efficiency

Is your money in the right buckets? Pre-tax vs. Roth vs. taxable mix, Roth conversion window analysis, and projected RMD impact.

Concentration Risk

Company stock from RSUs or ESPP above 10%? We flag it. Plus age-appropriate asset allocation check for your timeline.

CFP Discussion Guide

Personalized questions to bring to your next advisor meeting — specific to your numbers, not generic advice. Advisors love this.

✦ Flight Plan

Three steps to your readiness report

Enter Your Numbers

Upload statements or enter manually. Set your lean, maintain, and luxury spending levels. ~15 minutes.

We Crunch It

Five sub-scores calculated across every spending tier and retirement age — entirely in your browser.

See Your Flight Plan

Interactive results with your sweet spot, healthcare bridge, and a PDF report to share with your advisor.

A retirement readiness review from a CFP costs ~~$500–$2,000~~

$29

One-time purchase. Not a subscription.

Free tier available — see your overall score before you pay.

Full retirement flight plan (every age × lifestyle)
Healthcare gap analysis with ACA subsidies
5 CFP-aligned sub-scores
Downloadable PDF report
Personalized CFP discussion guide

Join the Waitlist

Know your runway
before you take off.

Join the waitlist — launching early 2026.