01
Compare claiming ages
Explore Social Security from 62 to 70 with plain-language benefit, breakeven, and lifetime-income tradeoffs.
Household retirement planning, made plain
Know what retirement pays you each month.
See Social Security, retirement withdrawals, and Medicare costs together—then understand what changes for your spouse or survivor. Every number comes with a plain-English explanation.
Manual entry in under five minutes. No account linking required.
Our promise from day one
Clarity without a sales pitch.
Your assumptions stay visible and editable.
Your data is never sold or shared.
Plan-year figures are clearly labeled.
Official sources are linked when confirmation matters.
One household runway
Four disconnected decisions, finally seen together.
Ready 2 Retire turns the numbers you already have into an understandable monthly picture—and shows which decision deserves attention next.
Your household equation
Social Security
+ sustainable withdrawals
− Medicare and health costs
= net monthly income
01
Enter the essentials
Birthdates, benefits, balances, expenses, and your target retirement age.
02
Explore the tradeoffs
Move your claiming age and see how monthly and lifetime income respond.
03
Act on what matters
Use your Runway Score, deadlines, and top three actions to make the next step clear.
Plan for both lives
Compare joint income with survivor income so the household plan does not stop with one person.
Runway Score
0–100
A simple readiness signal with one explanation and three practical ways to improve it.
02
Protect the surviving spouse
Couples can see joint income and what remains if either person dies, instead of planning from one lifespan alone.
03
Know your Medicare dates
Get a personal enrollment timeline, deadline reminders, and clear notes about penalty risks and official resources.
04
Understand every assumption
Every projection explains what it means, which plan year it uses, and which assumptions you can change.
Straightforward pricing
Start with clarity. Upgrade when your plan grows.
Free
$0
A useful first look at your retirement readiness.
- Runway Score
- Medicare enrollment-window check
- One lesson each week
- One insurance policy
Individual
Full toolkit$9/month
Or $79 per year.
- Complete household runway
- Social Security claiming explorer
- Medicare timeline and reminders
- Unlimited lessons and projections
- Editable assumptions and stress tests
Couples
$14/month
Built for decisions that affect two lives.
- Everything in Individual
- Invite your spouse
- Joint claiming comparisons
- Survivor income view
- Shared household milestones
Prices are planned launch pricing and may change before paid subscriptions become available.
Questions, answered plainly
Know what this tool is—and is not.
Your next chapter, in numbers you understand
Build your household runway today.
Start with a few numbers. Leave with a clearer monthly picture, your important dates, and the next three actions worth taking.
Ready 2 Retire provides education and projections only. It does not provide financial, investment, insurance, tax, or Medicare plan advice. Confirm official benefit and enrollment information with SSA, Medicare.gov, or a qualified professional.