Free Retirement Check

What does your retirement
actually look like?

Move the sliders to match your real situation. Takes two minutes. The gap at the bottom is the number most people have never actually calculated.

Estimates only. Use honest numbers — not the ones you hope are true.

Monthly income in retirement

Social Security / CPP / OAS Your expected monthly government benefit
$1,800
Pension Defined benefit or employer pension monthly payment
$0
401k / RRSP / IRA withdrawals Planned monthly draw from retirement savings
$1,200
Part-time or contract work Any income you expect to continue earning
$0
🔒
Additional income sources
Rental income, annuities, business income, inheritance — sources that change your real picture.
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🔒
AI income analysis
A personalised prompt that surfaces practical income ideas based on your specific career background.
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Monthly expenses

Housing & utilities Mortgage or rent, property tax, utilities, strata/HOA
$1,800
Healthcare & insurance Premiums, co-pays, prescriptions, dental, vision
$600
Food & groceries Groceries, dining out, coffee
$700
Transportation Car payment, insurance, fuel, maintenance, or transit
$500
Travel & leisure Holidays, subscriptions, hobbies, dining out
$400
Long-term care reserve Monthly set-aside for future in-home or facility care
$300
Family support Adult children, ageing parents, grandchildren
$0
Everything else Clothing, personal care, gifts, miscellaneous
$300
🔒
Custom expense lines
Add expenses unique to your situation — a mortgage that doesn't end at 65, medications, a business you're still running.
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🔒
AI cost analysis
A detailed breakdown of what your specific expenses are likely to do over 10, 15, and 20 years — and which ones to address first.
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Your number

Monthly income
$3,000
Monthly expenses
$4,600
Monthly shortfall
-$1,600
Income covers 65% of expenses
You're short $1,600 every month. Over a 20-year retirement that's roughly $384,000 in unplanned shortfall — before a single unexpected health cost.

Your takeaway prompt

Take this into ChatGPT or Claude. Fill in the brackets with your own details. It will do more in five minutes than most retirement calculators do in an hour.

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Free 20-minute consultation

That number is fixable.
Let's talk about how.

Book a free 20-minute call. Come with one thing: your biggest concern about the number you just found. That's all we'll talk about — honestly, with no pitch and no pressure. Tuesdays and Thursdays at 11am.

Tell me your biggest concern

Got it. I'll reach out within 24 hours to confirm your call. In the meantime — sit with that number. It's doing its job.

or skip the form and

Book directly — pick a time that works

No sales pitch. No obligation. Just an honest 20-minute conversation about what the numbers mean and what you can do about them.

Kevin Needham WinmodeAI · kevinneedham.com