Your paycheck stopped asking permission. Your money didn't get that memo.

Most retirement plans are built to grow. Very few are built to pay out — on a schedule, for a length of time nobody can promise in advance.

Answer a few honest questions. No products, no assumptions about the market — just where your plan stands right now.

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Question 1 of 8

Where are you right now?

Question 2 of 8

Where does your paycheck come from once you stop working?

Question 3 of 8

If the market dropped 20% the year you retired, would your monthly income change?

Question 4 of 8

Of the income you're counting on each month, how much is guaranteed versus tied to the market?

Question 5 of 8

If your current plan ran exactly as-is for the next 20 years, what happens?

Question 6 of 8

Has anyone actually shown you, on paper, where the gap would show up first?

Question 7 of 8

What would make you feel like your income was actually safe — not just funded?

Question 8 of 8

Roughly how much do you have set aside for retirement, all accounts combined?

Where should we send it?

One page, built from what you just answered.

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Here's where you stand

Open the full worksheet

What this actually covers

What has to arrive monthly

Not your net worth — the number that has to show up in your account, every month, without fail.

What's actually guaranteed

Social Security and a pension are dated. Almost everything else is a balance that can run out or move.

Where the gap shows up first

Most plans don't fail all at once. They fail in one specific year, for one specific reason — this finds it.

Who this is for

Anyone within a few years of retiring who has a 401(k) balance but no answer for what becomes their first paycheck.

Anyone already retired who built a number, hit it, and is now discovering that a number is not the same thing as an income.

Anyone helping a parent figure out whether what's saved is actually enough to stop working on.