Retirement Compass Score
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Waiting for dataPlan-adherence score
YOUR RETIREMENT DIRECTION
Are we still following the plan?
Retirement Compass compares your current inputs with the rules, progress and milestones in your retirement blueprint.
Plan Status
Waiting for data
Import your blueprint to calculate your plan checks.
Target Retirement
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Joe age —
Base Projection
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6% nominal illustration
Current-Dollar Income View
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4% portfolio illustration + base Social Security
RETIREMENT READINESS
Current plan health
Retirement Compass is checking the major parts of your plan.
GOAL GAP
Retirement income target
SINCE LAST SNAPSHOT
Your progress
ACTION CENTER
What needs attention
COMPASS CHECKS
Current plan alignment
NEXT MOVE
Upcoming action
WORKING BLUEPRINT
Plan Inputs
Update the facts that drive your projections. Changes are saved to your encrypted local vault.
Primary spouse
Spouse
Primary 401(k)
Spouse 401(k)
CONTRIBUTION ROADMAP
Scheduled savings increases
| Year | Primary employee | Match | Spouse employee | Goal |
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HOUSEHOLD GLIDE PATH
Strategic allocation targets
CLAIMING COMPARISON
Social Security estimates
| Claim age | Primary / month | Spouse / month | Combined annual |
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SIMPLE INVESTMENT GUIDANCE
What should I do with my investments?
YOUR PLAN IN PLAIN ENGLISH
What you own and why
WHEN SHOULD I CHANGE SOMETHING?
Rules for changing investments
WHAT NOT TO REACT TO
Things that usually do not require a change
A bad week or month
Normal market drops are not, by themselves, a reason to change a long-term retirement plan.
Scary headlines
Retirement Compass is designed to keep the plan focused on your timeline, not the news cycle.
Another investment doing better lately
Chasing recent winners can cause you to buy after prices have already risen.
One weak year
A diversified portfolio can lag the best-performing part of the market for a while and still be doing its job.
LIVING RETIREMENT BLUEPRINT
Your current plan of record
This structured blueprint replaces the PDF as the living source of truth. The original August 21, 2026 document remains the historical baseline and does not need to be hosted publicly.
INVESTMENT DETAILS
Primary 401(k) investments
INVESTMENT DETAILS
Spouse 401(k) investments
STRATEGY & PLAN RULES
Rules that should survive market changes
BLUEPRINT HISTORY
Plan change log
Original PDFHistorical baseline: The Rubino Retirement Blueprint, August 21, 2026. For privacy, Retirement Compass does not require the original PDF to be publicly hosted. The editable blueprint above is now the current plan of record.
RETIREMENT PROJECTIONS
Three return scenarios
Uses the blueprint method with the remaining annual contribution/growth cycles to retirement, no salary growth, end-of-year contributions, and nominal returns of 5%, 6%, or 7%.
VISUAL RANGE
Projected combined assets
PURCHASING POWER
6% case in current dollars
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Illustrative 2.5%–3.0% inflation range over the remaining years to retirement.
INCOME VIEW
4% portfolio illustration + Social Security
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Gross 2026-dollar planning view. Taxes and healthcare are not fully modeled.
SOCIAL SECURITY RESILIENCE
Base vs. 80% stress case
Planning model, not a forecast.
Returns, taxes, inflation, fees, healthcare costs, Social Security rules and actual retirement spending can differ materially. The app follows the assumptions in your blueprint rather than predicting future results.
MONTHLY INVESTMENT CHECK-IN
401(k) Performance Tracker
Track investment returns separately from deposits, withdrawals, and changes in account balance. One update per month is enough.
Account and monthly reminder
Latest recorded balance
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Return for period
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Year-to-date return
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Monthly reminders are also available through the existing Notifications settings. Background push requires notifications to be enabled and the server's scheduled push sender to be configured.
Add monthly statement
Use the account provider's personal rate of return where possible, not an individual fund's YTD figure.
WHAT DO MY RETURNS MEAN?
Investment Review
ETF Benchmark Comparison
Approximate dividend-adjusted ETF comparisons matched to your current fund allocations. This is not a prediction or an automatic recommendation to trade.
Checking benchmark data…
This check uses your recorded account-level returns. It cannot determine whether an individual fund needs replacing without matching-period fund and benchmark results, fees, and risk information. Your planned five-year allocation changes remain separate.
Account balance history
Recorded monthly history
| Date | Balance | Period return | YTD return | Net contributions |
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PROGRESS & ACTIONS
Your retirement course
Track snapshots over time, see exactly how the Compass Score is calculated, and work the highest-priority actions first.
COMPASS SCORE
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— / 100
This is a transparent plan-adherence score, not a prediction of investment returns or retirement success.
ACTION CENTER
Recommended next steps
READINESS SUMMARY
What is on course and what needs attention
RETIREMENT ACTION CALENDAR
What Retirement Compass will remember for you
Your Living Blueprint is turned into dated actions and background reminders. Long-range items stay quiet until their time approaches.
WHAT-IF SIMULATOR
Test a change without changing your real plan
Try a different retirement year, contribution rate, mortgage extra payment, Social Security scenario, spending target, or return assumption. Nothing is saved unless you later choose to edit your real plan.
SNAPSHOT COMPARISON
Compare any two check-ins
SNAPSHOT HISTORY
How the plan is changing
| Date | 401(k)s | Base projection | Mortgage payoff | Cash | Score |
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LATEST CHANGE
Since the previous snapshot
ANNUAL RETIREMENT REVIEW
Annual Checkup
Complete this each January and whenever a material plan input changes.
PROGRESS
0 / 0
PLAN MANAGEMENT
More
Encrypted sync, milestones, privacy, backup and blueprint import.
MILESTONES
Your retirement roadmap
ENCRYPTED SYNC
Retirement Compass Sync
Checking sync service…
Your financial plan remains encrypted before it leaves this device.
Sync stores only an AES-GCM encrypted copy of your Retirement Compass vault on your server. Your Retirement Compass password is not stored or sent as plain text; this device derives a separate authentication secret from it.
NOTIFICATIONS
Retirement reminders
iOS-style reminders are off
Enable background Web Push to receive a privacy-safe iOS notification when a retirement action is due, even if the app is closed.
One Bluehost cron job is required for reliable closed-app delivery.
On iPhone/iPad, Retirement Compass must be installed on the Home Screen and notification permission must be allowed. Reminder text stays generic; your balances and financial values are never included in push messages.
APP UPDATES
Check for Updates
Check for a newer version of Retirement Compass without deleting your saved retirement data.
BLUEPRINT DATA
Import & backup
Your personal blueprint import file should never be uploaded to the web server. Import it from your device after opening the app.
PRIVACY
Encrypted vault
Your retirement data is encrypted and your password is required to read it. Retirement Compass Sync stores only the encrypted vault and the technical information needed to securely sync it across your devices.
ImportantKeep an encrypted backup even when Sync is enabled. If the server is temporarily unavailable, an already-used device can still open its encrypted local copy.
ABOUT
Retirement Compass v1.0.4
Built around a Living Retirement Blueprint with editable investment holdings and strategy rules, encrypted cross-device sync, progress snapshots, Retirement Readiness, Compass Score, Action Center, background reminders, projections, annual reviews and milestones.