We Built Something for You: The WSW Retirement Readiness Calculator
How much is enough? We built a tool to help you find out.
Most retirement calculators feel like they were designed by actuaries for actuaries. Ours was designed for you — the person who has a salary, some savings, a rough idea of when they want to stop working, and a nagging feeling that they should probably know their number.
So we built the WSW Retirement Readiness Calculator — a free, interactive tool that runs the math in real time, shows you exactly where you stand, and gives you a clear, honest picture of your retirement income gap (or surplus).
What It Does
Adjust a few sliders — your salary, current savings, years to retirement, savings rate, and expected Social Security — and the calculator instantly projects:
- How much annual income you’ll need in retirement
- How much your portfolio will actually generate using the 4% withdrawal rule
- Your coverage ratio — what percentage of your income need is covered
- Your shortfall or surplus — in plain dollars, not financial jargon
It’s all presented in a clean income comparison chart that updates live as you move the sliders. No page reloads. No waiting.
Three Risk Profiles. Your Choice.
Not everyone has the same relationship with risk. We offer three generic illustrative profiles:
- Conservative — 4.0% illustrative blended return, lower volatility
- Moderate — 6.0% illustrative blended return, balanced approach
- Aggressive — 8.0% illustrative blended return, higher volatility and risk
Switch between them and watch every figure update instantly.
The Optional Crypto ETF Sleeve
For clients curious about digital assets, we’ve included an optional Prudent Crypto ETF Sleeve — regulated spot ETFs only, with full methodology transparency.
We show you every step of our thinking: BTC’s historical 10-year CAGR of ~84%, a ~30% forward analyst consensus estimate, and then WSW’s own 50% conservative haircut that brings the illustrative basket return to ~15%. You see the math. You see the sources. You decide.
And we don’t hide the risk. Extreme short-term volatility, 80%+ drawdowns, and total loss of the crypto-allocated portion are all possible. We say that plainly — because we’re fiduciaries.
Take It With You
When you’re done, hit Export PDF Summary and get a branded two-page report with your full retirement snapshot, key insights calibrated to your specific situation, and the methodology behind every number. It opens right in your browser, ready to save or share.
Or, if you’d like a second set of eyes on your results, click Send to an Advisor — share your snapshot directly with Wes, and get a personal response within one business day. No obligation. No sales pitch.
Built on Fiduciary Principles
Every assumption in this calculator is disclosed. The 3% inflation rate is locked and labeled. The 4% withdrawal rule is explained, and its limitations are called out. The crypto methodology is fully sourced and haircut-documented. All projections are hypothetical and for illustrative purposes only.
This is what fee-only fiduciary advice looks like in a digital tool — transparent, honest, and built around your interests.
Try the WSW Retirement Readiness Calculator upon launch → Resources. (launching Q2 of 2026)
Winston Solidus Wealth, LLC · Fee-Only Fiduciary · Oklahoma Registered Investment Adviser · wes@winstonsolidus.com
All projections are hypothetical and for illustrative/educational purposes only. Investing involves risk of loss, including possible loss of principal. This tool does not constitute personalized investment advice or a suitability determination. See full disclosures on the calculator page.
See sample Retirement Readiness Report PDF Below.
