Are You Ready for Retirement?
This retirement readiness assessment evaluates your preparation across five critical dimensions: Savings & Investments (savings rate, investment allocation), Retirement Income (multiple income sources, Social Security knowledge), Planning & Knowledge (target age, expense estimates), Healthcare Planning (Medicare, long-term care), and Lifestyle Readiness (debt situation, retirement vision). Each area receives an independent score.
Try the Quiz
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export function retirementReadinessQuiz(form: FormTs) {
form.setTitle(() => '🏖️ Are You Ready for Retirement?');
const scores = form.state<Record<string, number>>({});
const updateScore = (category: string, points: number) => {
scores.update(current => ({ ...current, [category]: points }));
};
const getTotalScore = () => {
const s = scores();
return Object.values(s).reduce((sum, val) => sum + (val || 0), 0);
};
const getMaxScore = () => 100;
const getScorePercentage = () => Math.round((getTotalScore() / getMaxScore()) * 100);
const getReadinessLevel = (): 'A' | 'B' | 'C' | 'D' | 'F' => {
const pct = getScorePercentage();
if (pct >= 85) return 'A';
if (pct >= 70) return 'B';
if (pct >= 55) return 'C';
if (pct >= 40) return 'D';
return 'F';
};
const getReadinessLabel = () => {
const level = getReadinessLevel();
const labels = {
A: '🌟 Excellent - Well-prepared!',
B: '✅ Good - On track',
C: '⚡ Fair - Gaps to address',
D: '⚠️ Needs Work - Action needed',
F: '🚨 Critical - Urgent action required'
};
return labels[level];
};
const getReadinessColor = () => {
const level = getReadinessLevel();
const colors = { A: '#16a34a', B: '#22c55e', C: '#ca8a04', D: '#ea580c', F: '#dc2626' };
return colors[level];
};
form.configureCompletionScreen({
type: 'text',
title: () => getReadinessLabel(),
message: () => {
const pct = getScorePercentage();
const level = getReadinessLevel();
const messages = {
A: `Your retirement readiness score is ${pct}%. Excellent! You're well-prepared for a comfortable retirement.`,
B: `Your retirement readiness score is ${pct}%. Good progress! A few improvements will strengthen your position.`,
C: `Your retirement readiness score is ${pct}%. You've made progress but several areas need attention.`,
D: `Your retirement readiness score is ${pct}%. Significant planning is needed. Start taking action now.`,
F: `Your retirement readiness score is ${pct}%. Urgent action required. Consider consulting a financial advisor.`
};
return messages[level];
}
});
const pages = form.addPages('quiz-pages', { heightMode: 'current-page' });
// ============ PAGE 1: Savings & Investments ============
const page1 = pages.addPage('savings', { mobileBreakpoint: 500 });
page1.addRow(row => {
row.addTextPanel('header1', {
label: 'Step 1 of 5: Savings & Investments',
computedValue: () => 'Evaluate your retirement savings and investment strategy',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page1.addSpacer({ height: '24px' });
page1.addRow(row => {
row.addRadioButton('savings_rate', {
label: 'What percentage of your income are you saving for retirement?',
isRequired: true,
orientation: 'vertical',
tooltip: 'Financial experts recommend saving 15-20% of income for retirement',
options: [
{ id: '20_plus', name: '🏆 20% or more' },
{ id: '15_20', name: '✅ 15-20%' },
{ id: '10_15', name: '📈 10-15%' },
{ id: '5_10', name: '⚠️ 5-10%' },
{ id: 'under_5', name: '❌ Less than 5%' }
],
onValueChange: (val) => {
const points = { '20_plus': 20, '15_20': 16, '10_15': 12, '5_10': 8, 'under_5': 4 };
updateScore('savings_rate', points[val as keyof typeof points] || 0);
}
});
});
page1.addRow(row => {
row.addRadioButton('investment_style', {
label: 'How are your retirement savings invested?',
isRequired: true,
orientation: 'vertical',
tooltip: 'Diversification helps manage risk while capturing growth',
options: [
{ id: 'diversified', name: '🏆 Diversified portfolio (stocks, bonds, etc.)' },
{ id: 'mostly_stocks', name: '📈 Mostly stocks/growth investments' },
{ id: 'mostly_safe', name: '🛡️ Mostly bonds/safe investments' },
{ id: 'cash', name: '⚠️ Mostly in cash or savings accounts' },
{ id: 'unsure', name: '❓ I\'m not sure how it\'s invested' }
],
onValueChange: (val) => {
const points = { diversified: 20, mostly_stocks: 15, mostly_safe: 12, cash: 8, unsure: 5 };
updateScore('investment', points[val as keyof typeof points] || 0);
}
});
});
page1.addRow(row => {
row.addTextPanel('savings_score', {
computedValue: () => {
const s = scores();
const sectionScore = (s['savings_rate'] || 0) + (s['investment'] || 0);
return `💰 Savings Score: ${sectionScore}/40`;
},
customStyles: {
fontSize: '1rem', fontWeight: '600', color: '#1e40af', textAlign: 'center',
padding: '12px', background: '#dbeafe', borderRadius: '8px', marginTop: '1rem'
}
});
});
// ============ PAGE 2: Income Planning ============
const page2 = pages.addPage('income', { mobileBreakpoint: 500 });
page2.addRow(row => {
row.addTextPanel('header2', {
label: 'Step 2 of 5: Retirement Income',
computedValue: () => 'Plan your income sources for retirement',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page2.addSpacer({ height: '24px' });
page2.addRow(row => {
row.addRadioButton('income_sources', {
label: 'How many income sources will you have in retirement?',
isRequired: true,
orientation: 'vertical',
tooltip: 'Multiple income streams provide security and flexibility',
options: [
{ id: 'multiple', name: '🏆 3+ sources (pension, 401k, Social Security, rental, etc.)' },
{ id: 'two', name: '✅ 2 sources' },
{ id: 'one', name: '⚠️ 1 source (Social Security only)' },
{ id: 'unsure', name: '❓ I haven\'t thought about this' }
],
onValueChange: (val) => {
const points = { multiple: 20, two: 15, one: 8, unsure: 4 };
updateScore('income_sources', points[val as keyof typeof points] || 0);
}
});
});
page2.addRow(row => {
row.addRadioButton('social_security', {
label: 'Do you know your estimated Social Security benefit?',
isRequired: true,
orientation: 'vertical',
tooltip: 'Create an account at ssa.gov to see your personalized estimate',
options: [
{ id: 'yes_planned', name: '🏆 Yes, and I\'ve planned when to claim' },
{ id: 'yes_basic', name: '✅ Yes, I know the approximate amount' },
{ id: 'no', name: '❌ No, I haven\'t checked' }
],
onValueChange: (val) => {
const points = { yes_planned: 20, yes_basic: 12, no: 4 };
updateScore('social_security', points[val as keyof typeof points] || 0);
}
});
});
page2.addRow(row => {
row.addTextPanel('income_score', {
computedValue: () => {
const s = scores();
const sectionScore = (s['income_sources'] || 0) + (s['social_security'] || 0);
return `💵 Income Score: ${sectionScore}/40`;
},
customStyles: {
fontSize: '1rem', fontWeight: '600', color: '#1e40af', textAlign: 'center',
padding: '12px', background: '#dbeafe', borderRadius: '8px', marginTop: '1rem'
}
});
});
// ============ PAGE 3: Planning & Knowledge ============
const page3 = pages.addPage('planning', { mobileBreakpoint: 500 });
page3.addRow(row => {
row.addTextPanel('header3', {
label: 'Step 3 of 5: Planning & Knowledge',
computedValue: () => 'How well have you planned your retirement?',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page3.addSpacer({ height: '24px' });
page3.addRow(row => {
row.addRadioButton('retirement_age', {
label: 'Have you determined your target retirement age?',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'yes_plan', name: '🏆 Yes, with a detailed financial plan' },
{ id: 'yes_general', name: '✅ Yes, a general target age' },
{ id: 'no', name: '❌ No, I haven\'t decided yet' }
],
onValueChange: (val) => {
const points = { yes_plan: 20, yes_general: 12, no: 5 };
updateScore('retirement_age', points[val as keyof typeof points] || 0);
}
});
});
page3.addRow(row => {
row.addRadioButton('expense_estimate', {
label: 'Do you know how much you\'ll need monthly in retirement?',
isRequired: true,
orientation: 'vertical',
tooltip: 'The 80% rule suggests you\'ll need 80% of pre-retirement income, but actual needs vary',
options: [
{ id: 'detailed', name: '🏆 Yes, I\'ve calculated a detailed budget' },
{ id: 'rough', name: '✅ I have a rough estimate' },
{ id: 'rule_of_thumb', name: '📊 I use the 80% rule of thumb' },
{ id: 'no', name: '❌ No, I haven\'t calculated this' }
],
onValueChange: (val) => {
const points = { detailed: 20, rough: 14, rule_of_thumb: 10, no: 4 };
updateScore('expense_estimate', points[val as keyof typeof points] || 0);
}
});
});
page3.addRow(row => {
row.addTextPanel('planning_score', {
computedValue: () => {
const s = scores();
const sectionScore = (s['retirement_age'] || 0) + (s['expense_estimate'] || 0);
return `📋 Planning Score: ${sectionScore}/40`;
},
customStyles: {
fontSize: '1rem', fontWeight: '600', color: '#1e40af', textAlign: 'center',
padding: '12px', background: '#dbeafe', borderRadius: '8px', marginTop: '1rem'
}
});
});
// ============ PAGE 4: Healthcare ============
const page4 = pages.addPage('healthcare', { mobileBreakpoint: 500 });
page4.addRow(row => {
row.addTextPanel('header4', {
label: 'Step 4 of 5: Healthcare Planning',
computedValue: () => 'Healthcare is often the largest retirement expense',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page4.addSpacer({ height: '24px' });
page4.addRow(row => {
row.addRadioButton('health_costs', {
label: 'Have you planned for healthcare costs in retirement?',
isRequired: true,
orientation: 'vertical',
tooltip: 'Average couple needs $315,000 for healthcare in retirement (Fidelity 2023)',
options: [
{ id: 'comprehensive', name: '🏆 Yes, including Medicare supplements and long-term care' },
{ id: 'hsa', name: '💰 I\'m using an HSA to save for healthcare' },
{ id: 'basic', name: '✅ Yes, I understand Medicare basics' },
{ id: 'no', name: '❌ No, I assume Medicare will cover it' }
],
onValueChange: (val) => {
const points = { comprehensive: 20, hsa: 16, basic: 12, no: 5 };
updateScore('health_costs', points[val as keyof typeof points] || 0);
}
});
});
page4.addRow(row => {
row.addRadioButton('long_term_care', {
label: 'Have you considered long-term care needs?',
isRequired: true,
orientation: 'vertical',
tooltip: '70% of people over 65 will need some form of long-term care',
options: [
{ id: 'insurance', name: '🏆 Yes, I have long-term care insurance' },
{ id: 'savings', name: '💰 Yes, I\'m self-insuring with savings' },
{ id: 'family', name: '👨👩👧 Family will help if needed' },
{ id: 'no', name: '❌ Haven\'t thought about it' }
],
onValueChange: (val) => {
const points = { insurance: 20, savings: 16, family: 8, no: 4 };
updateScore('long_term_care', points[val as keyof typeof points] || 0);
}
});
});
page4.addRow(row => {
row.addTextPanel('healthcare_score', {
computedValue: () => {
const s = scores();
const sectionScore = (s['health_costs'] || 0) + (s['long_term_care'] || 0);
return `🏥 Healthcare Score: ${sectionScore}/40`;
},
customStyles: {
fontSize: '1rem', fontWeight: '600', color: '#1e40af', textAlign: 'center',
padding: '12px', background: '#dbeafe', borderRadius: '8px', marginTop: '1rem'
}
});
});
// ============ PAGE 5: Lifestyle & Readiness ============
const page5 = pages.addPage('lifestyle', { mobileBreakpoint: 500 });
page5.addRow(row => {
row.addTextPanel('header5', {
label: 'Step 5 of 5: Lifestyle Readiness',
computedValue: () => 'Your debt situation and retirement vision',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
page5.addSpacer({ height: '24px' });
page5.addRow(row => {
row.addRadioButton('debt', {
label: 'What\'s your current debt situation?',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'none', name: '🏆 Debt-free, including mortgage' },
{ id: 'mortgage_only', name: '🏠 Only mortgage, will be paid before retirement' },
{ id: 'some', name: '⚠️ Some debt that I\'m paying down' },
{ id: 'significant', name: '❌ Significant debt' }
],
onValueChange: (val) => {
const points = { none: 20, mortgage_only: 16, some: 10, significant: 4 };
updateScore('debt', points[val as keyof typeof points] || 0);
}
});
});
page5.addRow(row => {
row.addRadioButton('life_vision', {
label: 'How clear is your vision for retirement lifestyle?',
isRequired: true,
orientation: 'vertical',
options: [
{ id: 'very_clear', name: '🏆 Very clear - I know exactly how I want to spend my time' },
{ id: 'general', name: '✅ General idea but flexible' },
{ id: 'uncertain', name: '⚠️ Uncertain - I\'m focused on finances first' },
{ id: 'worried', name: '😟 Worried about being bored or purposeless' }
],
onValueChange: (val) => {
const points = { very_clear: 20, general: 14, uncertain: 8, worried: 6 };
updateScore('life_vision', points[val as keyof typeof points] || 0);
}
});
});
page5.addRow(row => {
row.addTextPanel('lifestyle_score', {
computedValue: () => {
const s = scores();
const sectionScore = (s['debt'] || 0) + (s['life_vision'] || 0);
return `🎯 Lifestyle Score: ${sectionScore}/40`;
},
customStyles: {
fontSize: '1rem', fontWeight: '600', color: '#1e40af', textAlign: 'center',
padding: '12px', background: '#dbeafe', borderRadius: '8px', marginTop: '1rem'
}
});
});
page5.addSpacer({ height: '20px' });
// Final Score Summary
page5.addRow(row => {
row.addTextPanel('finalScoreLabel', {
label: '📊 Your Retirement Readiness Results',
computedValue: () => '',
customStyles: { fontSize: '1.2rem', fontWeight: '700', textAlign: 'center', marginTop: '1rem' }
});
});
page5.addRow(row => {
row.addTextPanel('finalGrade', {
computedValue: () => getReadinessLabel(),
customStyles: () => ({
fontSize: '1.5rem', fontWeight: '800', textAlign: 'center',
color: getReadinessColor(), padding: '15px', background: '#f9fafb',
borderRadius: '12px', border: `3px solid ${getReadinessColor()}`
})
});
});
page5.addRow(row => {
row.addTextPanel('scoreBreakdown', {
computedValue: () => `Total Score: ${getTotalScore()}/${getMaxScore()} (${getScorePercentage()}%)`,
customStyles: { fontSize: '1.1rem', fontWeight: '600', textAlign: 'center', color: '#374151', marginTop: '10px' }
});
});
// ============ Lead Capture Page ============
const leadPage = pages.addPage('lead_capture', { mobileBreakpoint: 500 });
leadPage.addRow(row => {
row.addTextPanel('lead_header', {
label: 'Step 6 of 6: Get Your Planning Guide',
computedValue: () => 'Enter your details to receive personalized retirement planning resources',
customStyles: { fontSize: '0.9rem', color: '#6b7280', marginBottom: '1rem' }
});
});
leadPage.addSpacer({ height: '24px' });
leadPage.addRow(row => {
row.addTextbox('first_name', {
label: 'First Name',
isRequired: true,
placeholder: 'John'
}, '1fr');
row.addTextbox('last_name', {
label: 'Last Name',
isRequired: true,
placeholder: 'Smith'
}, '1fr');
});
leadPage.addRow(row => {
row.addEmail('email', {
label: 'Email Address',
isRequired: true,
placeholder: 'john@email.com'
});
});
leadPage.addRow(row => {
row.addDropdown('years_to_retirement', {
label: 'Years Until Planned Retirement',
isRequired: true,
placeholder: 'Select timeframe',
options: [
{ id: '0-5', name: '⏰ 0-5 years (soon!)' },
{ id: '6-10', name: '📅 6-10 years' },
{ id: '11-20', name: '📆 11-20 years' },
{ id: '20+', name: '🌱 20+ years' }
]
});
});
leadPage.addRow(row => {
row.addCheckboxList('consent', {
orientation: 'vertical',
options: [
{ id: 'guide', name: '📄 Send me the retirement planning guide', isRequired: true },
{ id: 'calculator', name: '🔢 Send me the retirement calculator spreadsheet' },
{ id: 'tips', name: '💡 Send me weekly retirement planning tips' },
{ id: 'consult', name: '📞 I\'d like a free consultation with an advisor' }
],
defaultValue: ['guide']
});
});
form.configurePdf('guide', (pdf) => {
pdf.configure({
filename: 'retirement-readiness-report.pdf',
pageSize: 'A4',
allowUserDownload: true,
downloadButtonLabel: '📄 Download Planning Guide',
header: { title: 'Your Retirement Readiness Assessment', subtitle: 'Personalized Analysis' },
footer: { text: 'Generated by FormTs Retirement Planner', showPageNumbers: true }
});
pdf.addSection('Executive Summary', section => {
section.addRow(row => {
row.addField('Readiness Level', getReadinessLabel());
row.addField('Score', `${getScorePercentage()}%`);
});
section.addRow(row => {
row.addField('Assessment Date', new Date().toLocaleDateString());
row.addField('Total Points', `${getTotalScore()} / ${getMaxScore()}`);
});
});
pdf.addSection('Category Breakdown', section => {
const s = scores();
section.addTable(
['Category', 'Score', 'Max', 'Status'],
[
['Savings & Investments', `${(s['savings_rate'] || 0) + (s['investment'] || 0)}`, '40', (s['savings_rate'] || 0) + (s['investment'] || 0) >= 30 ? '✅ Good' : '⚠️ Needs Work'],
['Income Planning', `${(s['income_sources'] || 0) + (s['social_security'] || 0)}`, '40', (s['income_sources'] || 0) + (s['social_security'] || 0) >= 30 ? '✅ Good' : '⚠️ Needs Work'],
['Planning & Knowledge', `${(s['retirement_age'] || 0) + (s['expense_estimate'] || 0)}`, '40', (s['retirement_age'] || 0) + (s['expense_estimate'] || 0) >= 30 ? '✅ Good' : '⚠️ Needs Work'],
['Healthcare', `${(s['health_costs'] || 0) + (s['long_term_care'] || 0)}`, '40', (s['health_costs'] || 0) + (s['long_term_care'] || 0) >= 30 ? '✅ Good' : '⚠️ Needs Work'],
['Lifestyle', `${(s['debt'] || 0) + (s['life_vision'] || 0)}`, '40', (s['debt'] || 0) + (s['life_vision'] || 0) >= 30 ? '✅ Good' : '⚠️ Needs Work']
]
);
});
});
form.configureSubmitButton({
label: () => `📊 Get My Report (${getReadinessLevel()})`
});
form.configureSubmitBehavior({
sendToServer: true
});
}
Frequently Asked Questions
What percentage of income should I save for retirement?
Financial experts recommend saving 15-20% of your income for retirement, including any employer match. If you're starting late, you may need to save more. The exact amount depends on your current age, target retirement age, and desired lifestyle.
How much money do I need to retire?
A common rule of thumb is to have 25x your annual expenses saved (the 4% rule). If you spend $50,000/year, aim for $1.25 million. However, this varies based on retirement age, healthcare costs, Social Security, and other income sources.
What's the biggest retirement planning mistake?
Underestimating healthcare costs is the biggest mistake. The average couple retiring at 65 needs approximately $315,000 for healthcare expenses in retirement. Not planning for Medicare supplements and long-term care can derail retirement plans.