I like the Fidelity Retirement Score because it is simple and intuitive to use. All models have assumptions that may or may apply to you. Use the results of the model as a reference point.
I like this tool because it gives me an idea of how I am progressing and how different variables affect the output of the model. Here’s the link (yes, taking the assessment is free and does not require any identifiable information).
Here was my score:
Not too bad! The only thing i’m unsure about is whether the number presented in represented in today’s value or future value of the dollar.
What was your score? Are you on track(at least based on this model)?