Half the year is gone. Are your retirement savings on track?

Retirement Check-In · 2026

Mid-Year Retirement Check-In 2026

Take 10 minutes to check if you are on track for retirement. Free calculators for 401(k), Social Security, and retirement income planning.

6 curated tools6 expert tips

100% free · No sign-up required · Instant results

$112,572

Average 401(k) balance (all ages)

56%

Workers not saving enough for retirement

15% of income

Recommended savings rate

2x more at 65

Power of starting 10 years earlier

Recommended Tools for Mid-Year Retirement Check-In 2026

Each tool below is selected for this season with a specific reason why it matters right now.

Retirement Calculator

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Why now: See if your current savings rate gets you to your retirement goal

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Why now: Project your 401(k) balance at retirement with employer match

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Calculate compound interest with contributions and visual growth chart

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Social Security Calculator

Estimate your Social Security retirement benefits based on earnings history and claiming age

Why now: Estimate your Social Security benefit based on claiming age

Net Worth Calculator

Calculate your total net worth from assets minus liabilities

Why now: Take a snapshot of your total financial position at mid-year

Inflation Calculator

Calculate how inflation affects purchasing power over time

Why now: Understand how inflation erodes purchasing power over decades

Best Roth IRA Accounts

Open a Roth IRA with no minimum. Tax-free growth and withdrawals in retirement.

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Tips & Advice

Max out your employer match

If your employer matches 401(k) contributions, ensure you contribute at least enough to get the full match. It is an instant 50-100% return.

Increase contributions by 1%

Bumping your contribution rate by just 1% can add tens of thousands to your retirement nest egg over time.

Review your asset allocation

Make sure your investment mix still aligns with your age and risk tolerance. Rebalance if any asset class has drifted significantly.

Check your beneficiary designations

Life changes like marriage, divorce, or a new child should prompt a review of who inherits your retirement accounts.

Consider a Roth conversion

If you are in a lower tax bracket this year, converting some traditional IRA funds to Roth could save you taxes in retirement.

Plan for healthcare costs

The average couple needs about $315,000 for healthcare in retirement. Consider an HSA as a tax-advantaged way to save for medical expenses.

Key Statistics