Know your number.
Am I Funded measures retirement the way an actuary would: your future spending is a liability, priced off today's real yield curve. Divide what you have by what your life costs, and you get one number — the funded ratio.
Takes about 30 seconds. No signup, and your numbers never leave your browser.
Price the liability
Your retirement spending is a stream of future cash flows. It has a price — set by real yields, not by guesswork about market returns.
Measure the ratio
Assets over liability. Above 1.0, your spending is funded at today's prices. Below it, you know the size of the gap — in years of spending, not abstractions.
See what to fix
A probability of success can't tell you what's wrong. A funded ratio and three hedging gaps can: inflation, interest rates, permanent loss.
One number, thirty seconds
A free retirement calculator that prices your spending off the live real yield curve and returns your funded ratio, the gap in years, and which of the three risks is driving it. The Funded Ratio — twelve essays, all free to read — makes the argument behind it.