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Are You on Track for Retirement (US)?

Finance Quiz

Answer 10 questions on 401(k) contributions, Social Security, and savings progress to see how ready you are for US retirement, plus what to fix first.

3 min · 10 questions

Question 1 of 10

What percentage of your salary do you currently contribute to retirement accounts (401(k), IRA)?

Retirement readiness in the US depends heavily on a few concrete habits — capturing your full 401(k) match, understanding your expected Social Security benefit, and diversifying across account types. This 10-question quiz checks where you stand across these dimensions and flags the areas most worth addressing. It takes about 3 minutes.

Once you have your result, project your 401(k) trajectory with the 401(k) Contribution Calculator, estimate your Social Security benefit with the Social Security Calculator, and compare account types with the Roth vs Traditional IRA Calculator.

Frequently Asked Questions

Each of the 10 questions awards 1 to 4 points based on how strong that particular retirement habit is. Your total score (10-40) places you into Behind on Retirement, On Track, or Ahead of Schedule.
This quiz uses US-specific framing — 401(k) contributions, employer matching, and Social Security benefits — rather than NPS or EPF, which are the retirement vehicles relevant in India. The underlying readiness concepts are similar, but the linked tools and terminology are US-specific.
No. The quiz runs entirely in your browser and nothing is sent to a server or stored. Refreshing the page resets your progress.
An employer match is effectively free money added to your retirement savings, and not contributing enough to capture it in full means leaving part of your compensation on the table every single pay period.
The [401(k) Contribution Calculator](/401k-contribution-calculator-us/) projects your account balance at retirement based on your current contribution rate, employer match, and expected growth, so you can see whether your current pace gets you close to your target.
The [Social Security Calculator](/social-security-calculator-us/) estimates your benefit based on your earnings history and the age at which you plan to start claiming, which is a key input for any retirement income plan.
It depends on your current versus expected future tax bracket — the [Roth vs Traditional IRA Calculator](/roth-vs-traditional-ira-calculator-us/) helps you compare the after-tax outcome of both account types for your specific situation.
Yes, any time — ideally annually, since contribution rates, account balances, and retirement timelines all shift meaningfully year over year.