Printable checklist
Retirement Checklist
Line up income, insurance, and tax buckets.
5+ years out
- Max the 401(k) employer match
- Fund a Roth or Traditional IRA
- Build a 3-bucket allocation (cash / bonds / equities)
- Estimate Social Security at 62, 67, 70
1 year out
- Choose a safe withdrawal rate (3.5–4%)
- Model IRMAA thresholds
- Plan for RMDs starting at 73
- Confirm long-term care coverage
In retirement
- Rebalance annually
- Refresh withdrawal rate every 3 years
- Track sequence-of-returns risk in bad markets
Supporting calculators
Investment
401(k) Calculator
401(k) balance at retirement with employer match.
Investment
Roth IRA Calculator
Tax-free retirement growth from Roth IRA contributions.
Investment
Social Security Benefits Calculator
Estimated monthly Social Security benefit at your chosen claim age.
Investment
Safe Withdrawal Rate Calculator
Solve the Bengen-style SWR that funds your horizon at a chosen real return.
Investment
Sequence of Returns Risk Calculator
Compare bad-returns-first vs good-returns-first retirement scenarios at the same average return.
Tax
Medicare IRMAA Calculator
2025 Part B and Part D IRMAA surcharges by MAGI and filing status.