Retirement Readiness Scorecard

This scorecard evaluates your retirement readiness across 10 key dimensions: savings rate, investment strategy, tax efficiency, insurance coverage, estate planning, CPP timing, RRSP/TFSA usage, debt management, income projections, and professional guidance. You'll get a score out of 100 and personalized recommendations for improving your retirement outlook.

0out of 100
Answer to begin

Answer the ten questions below. Your score updates the moment you tap — nothing to submit, no email needed.

0 of 10 answered

What share of your gross income are you saving each year?

Question 1 of 10

What share of your gross income are you saving each year?

RRSP + TFSA + non-registered + employer match, before tax.

14 pts
How do your invested assets compare to your salary for your age?

Question 2 of 10

How do your invested assets compare to your salary for your age?

Rough benchmarks: 1x salary by 35, 3x by 45, 6x by 55, 9x by 62.

16 pts
Do you have a workplace pension?

Question 3 of 10

Do you have a workplace pension?

8 pts
Where does your debt stand?

Question 4 of 10

Where does your debt stand?

10 pts
Do you have a written retirement income plan?

Question 5 of 10

Do you have a written retirement income plan?

Not a portfolio statement — a year-by-year plan for where income comes from.

12 pts
Do you know what your after-tax retirement income will actually be?

Question 6 of 10

Do you know what your after-tax retirement income will actually be?

10 pts
Are your estate documents current?

Question 7 of 10

Are your estate documents current?

Will, powers of attorney for property and personal care, named beneficiaries.

10 pts
Is your insurance sized to your actual situation?

Question 8 of 10

Is your insurance sized to your actual situation?

Life, disability, and critical illness relative to income and dependants.

8 pts
Are you and your spouse or partner coordinated?

Question 9 of 10

Are you and your spouse or partner coordinated?

Income splitting, CPP timing, survivor income, matched retirement dates.

6 pts
Have you decided your CPP timing and withdrawal order?

Question 10 of 10

Have you decided your CPP timing and withdrawal order?

6 pts

Your fix list, in priority order

You can see your score and what is dragging it. This is the other half — what to actually do about each one, ordered by how many points it wins back.

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Get the specific move that wins back each point you're losing, ranked biggest-first. Marc will follow up with a personal read on where your plan is weakest.

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Scoring & assumptions (100 points total)

  • Ten questions, weighted to 100 points total. The heaviest are assets versus your age band (16), savings rate (14), and whether you have a written retirement income plan (12) — because those three move the outcome most.
  • Bands are 75 and up On Track, 50 to 74 Gaps, under 50 At Risk. They are Marc's cutoffs from real Ontario plans, not an industry standard.
  • This is a self-assessment. It scores what you tell it — it does not verify balances, read statements, or run a projection.
  • The age-band benchmark (1x salary by 35, 3x by 45, 6x by 55, 9x by 62) is a rule of thumb. It ignores pension value, spending level, and retirement date, all of which can move the real target a long way.
  • A high score is not the same as being funded. Two households can both score 85 and have completely different outcomes depending on spending. The Ontario Retirement Calculator answers the funded question.
  • Nothing is submitted to see your score. Your answers stay in your browser.

This is an educational tool, not financial advice. Real plans depend on investment performance, tax rule changes, government benefit changes, and your own circumstances. For a personalized plan, book a fit call with Marc.

What the Scorecard Measures

Savings rate and trajectory
Investment strategy and diversification
Tax efficiency of your accounts
Insurance and risk coverage
Estate planning completeness
CPP/OAS timing strategy
RRSP/TFSA optimization
Debt management approach
Income projection accuracy
Professional guidance quality

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