Private. Calm. Considered.
Your retirement plan assumes a body. See what it's carrying.
A five-minute check of the four things a money-only plan can't see — health capacity, health-cost exposure, household strain, and whether they still line up with your retirement date.
- Answer a short set of plain questions. No medical records, no account balances, no step targets.
- Get your scores from 0 to 100 and a one-page summary you can keep or print.
- Nothing is shared with anyone unless you choose to share it — and you can take it back at any time.
Free. No credit card. About five minutes.
This tool organizes your information. It is not medical or financial advice, and it doesn't recommend products. We don't sell your data.
The four scores
What you'll see
Four scores, each from 0 to 100. Higher is steadier. They describe what your plan is asking of you — they are not a verdict on your health.
Health Capacity
0–100A plain read on energy, sleep, stress and mobility — the capacity a money-only plan quietly assumes you'll keep.
Cost Exposure
0–100What health costs could pull from your income: premiums, out-of-pocket spending, and the gaps between them.
Retirement Strain
0–100Caregiving hours and household responsibilities, counted rather than assumed, and weighed against your years ahead.
Health-Wealth Alignment
0–100Whether your health, costs, strain and retirement date still line up — and where they have started to drift apart.
Each score runs 0–100 and is built from what you enter. Higher is steadier. A low score is a conversation to have, not a warning. The free Snapshot gives you two of the four — Health Capacity and Retirement Strain. Health Cost Exposure and Health-Wealth Alignment come with Household Plus.
Before you start
Questions people ask first
Is this medical advice?
No. Compass Retire organizes the health and retirement information you enter. It does not diagnose, treat, or replace a medical professional, and it doesn't recommend products. It is not financial advice either — decisions belong with you and the qualified professionals you choose.
What happens to my data?
Your information stays yours. It is used to build your scores and your summary. We don't sell it, and nothing is shared with anyone — an advisor included — unless you grant permission. You can take that permission back at any time. Every login, document upload and report view is logged.
Do I need to connect accounts or upload documents?
No. The check is plain questions answered from memory — no account connections, no medical records, no step targets. Secure document upload exists on the paid plans (Household Plus and the Alignment Review) and is always optional.
Can I share this with my advisor later?
Yes, if you want to. Household Plus includes an advisor-share option, and access is permission-based: your advisor sees only what you choose to share, and you can revoke it whenever you like. Until then, the summary is yours alone.
Start with clarity. Continue with alignment.
Your scores and a one-page summary, in about five minutes. Free to start, and yours to keep.
Free. No credit card. About five minutes.
This tool is informational only — not medical or financial advice. See pricing.