Find out exactly how far behind you are, and what to do about it.
Earned & Kept is honest, plain-English money help for people 35 to 65 who've been told for years that they're behind. No jargon. No scare tactics. No sales calls. Just your real number, and a clear way to close the gap.
Takes 2 minutes. Nothing is stored or shared. Built for your actual situation.
▲ on a real path
🇺🇸 + Social Security
Your picture
2 min · free
What it takes to catch up
$1,510/mo
to close an $862K gap by age 65, at a steady 7% a year.
You have $38KYou need $900K
401(k)✦Social Security✦catching up after 50✦the 4% rule✦IRAs✦pensions✦401(k)✦Social Security✦catching up after 50✦the 4% rule✦IRAs✦pensions✦
Most tools were built to make you feel behind. This one was built for your actual life.
Divorced, supporting parents, raising kids, and still showing up every day. You didn't make bad choices. Life happened, and you were the one holding it together. You deserve a number that reflects that, not a benchmark built for someone else.
What you get
Everything that helps. Nothing that sells.
Your real retirement number
The free calculator turns your savings into a monthly income you can actually picture, with Social Security already counted in. Not a scary lump sum.
Weekly plain-English videos
One clear idea, one thing you can actually do, every week. No charts you need a degree to read. Made for the way real people think about money.
No sales calls. Ever.
No advisor waiting to pitch you. Just the help.
Real methodology
T. Rowe Price targets and SSA replacement rates, not made-up rules.
A newsletter that respects you
One useful email. No spam, no churn, no guilt.
The free calculator
Four steps. One honest number.
Three quick inputs, and you'll see exactly where you stand, why your number is different from every benchmark you've been handed, and what it takes to close the gap.
01Grow your savings forwardCurrent savings + monthly contributions, to 65
02Turn it into monthly incomeThe standard 4% withdrawal rule
03Add your Social SecurityEstimated from your income level
04See your real gapAnd what to save each month to close it
150+
Plain-English videos
12k+
On the newsletter
$0
Cost, and no sales calls
Channel numbers are placeholders, set them to your real figures.
Common questions
The questions people actually ask.
What if I'm already behind?
Most people are, and that's the point. The calculator doesn't just hand you a scary number. It gives you one monthly figure to act on, and Earned & Kept shows you what to do from there, one step at a time.
How does the calculator work?
It takes your age, your current savings, and your income, then factors in an estimated Social Security benefit, the income most people need in retirement (around 80% of what they earn today), the 4% safe-withdrawal rule, and 7% assumed annual growth. Two minutes, no sign-up.
Is it really free? What's the catch?
It's free and there's no catch. No products, no sales calls, no advisor waiting on the other end.
Do I have to give my email?
No. You can see your full result without entering anything. Email is only if you'd like your numbers saved so you can come back to them on any device. No spam, no sales.
Is this financial advice?
No. It's a clear, honest estimate to help you understand where you stand and what to do next. Nothing here is personalized financial advice.
Who is Earned & Kept for?
Everyday people roughly 35 to 65 who work hard and want a straight answer about retirement, in plain English, without being sold to.
Your number is waiting, and it's kinder than you think.
Two minutes. No sign-up. No one calling you after.