FIRE Readiness Scorecard
Check ten documented planning areas before an early retirement decision, including spending, healthcare, taxes, account access, and review rules.
Check an item only when it is documented, current, and available to the people who may need it.
Your selections stay on this page and are not saved.
- Completion score
- 0%
- Checks remaining
- 10
Use the unchecked items as a work list. A higher number only means more planning areas are documented.
This score measures checklist completion. It does not predict retirement success, prove affordability, or replace tax, legal, insurance, or investment advice.
How the calculation works
Completion score = documented checks ÷ 10 × 100. Every check has equal weight because the result measures planning completion, not financial readiness.
A checked box should point to current evidence. The score does not evaluate the quality of the evidence, predict market results, or determine whether someone can retire.
FIRE Readiness Scorecard FAQs
What does the FIRE readiness score measure?
It measures how many of ten planning areas you say are documented. It does not evaluate portfolio sustainability or determine whether you can retire.
What counts as documented?
Use current evidence such as transaction exports, insurance quotes, tax projections, account records, written household decisions, and specific review rules that the relevant people can access.
Is 100% proof that I am ready to retire?
No. It means all ten checklist areas have documentation. The assumptions, calculations, risks, and professional review may still need work.
Why are all checklist items weighted equally?
Equal weight keeps the score transparent. The practical importance of each item varies by household, so use unchecked items and weak evidence as prompts rather than treating the percentage as a grade.
How often should I repeat the scorecard?
Repeat it before a retirement decision and after material changes in spending, markets, tax law, healthcare, housing, work, family, or account access.
Should a partner or spouse complete it too?
Everyone affected should review the evidence and assumptions. Different answers can reveal unclear spending expectations, work plans, fallback choices, or account access.