5 Steps to Get You
Ready for Retirement
Get to the retirement you want.
Retirement means many things to many people – maybe you want to volunteer, just spend time gardening, pursue that dream career or even travel the world – it's never too late or too early to work on your plan. Taking the right steps now will get you to the retirement you want down the road.Just follow this simple guide. You'll find quizzes, interactive seminars, articles, tips and hints to help you get there.
What Does Retirement Mean To You?
Write your retirement objectives down, listing the most important goals first. For now, don't focus on budget – focus on ideas, and be as specific as you can. This is an opportunity to figure out what retirement really means to you. It's also important to stay on top of medical issues to keep your retirement plans on track.
Get ahead of the curve with these useful resources
Define your Personal Retirement Goals ›
Find out what retirement means to you. What will make you the happiest?
Learn about volunteering. Giving back can be just as rewarding for the volunteer.
Best Places to Live ›
Learn about new places to create a new you. AARP tracks the best places to retire.
Health Screenings ›
Staying on top of your health can keep your retirement plans on track.
- Define your Personal Retirement Goals ›
Set Your Social Security Baseline
For many of us, Social Security is the most important part of our retirement picture, and deciding when to claim is a big decision. Working a little longer and delaying your claim will provide a much more secure retirement for life. Weigh the pros and cons of working longer, and get comfortable with your decision. The next steps will focus on filling income gaps that Social Security doesn't meet.
Additional Social Security resources
10 Things to Know ›
Get an overview of Social Security and learn 10 basic truths.
Social Security Q&A Tool ›
If you have Social Security questions,
this will help you find your answers.
Social Security Calculator ›
AARP's Social Security Benefits Calculator can help you maximize your benefits and find the right time to claim.
Social Security Smarts Quiz ›
Are you a Social Security Expert? Test how much you already know.
“Ask the Experts” Social Security Webinar ›
Experts answer questions about Social Security from members just like you.
- 10 Things to Know ›
Figure Out the “Topline”— How Much You'll Need to Save.
Funding your retirement means looking at your overall financial picture. Look at how much you have in the bank, what you bring home each month, your savings rate and the size of your retirement account. Then plug those numbers, along with your estimated Social Security benefits, into AARP's free Retirement Calculator. This will help you identify your savings goal.
Tips for assessing your finances and
boosting your income
Retirement Calculator ›
See how close you are to the
retirement you want.
401(k) Calculator ›
Could your 401(k) be working harder?
401(k) Fee Calculator ›
Find out if you're paying too much in
Your 401(k) and Retirement ›
Learn about this important piece of the
Retire On Less – The Ultimate Cheapskate Tells You How ›
Learn how to stretch those retirement
dollars, from frugal-living expert Jeff Yeager.
- Retirement Calculator ›
Close the Gap Between Income and Expenses
Now that you know how much income you can count on each month and how much you need to live comfortably in retirement, it's time to figure out how to plug any holes. Start by designing a budget, cutting costs, and using your savings to pay off debt and - if possible - to buy an annuity to provide guaranteed income for life. Think about what skills, hobbies and passions you could turn into a second career - an encore career - that could help you pad your income.
Make budgeting easier with these tips and tools
Home Budget Calculator ›
See where your money is going and how much is left for your goals.
Thinking About a New Career? ›
Learn more about new fields and other hot topics for the 50+ worker.
Stand Out from the Crowd ›
Learn how to take advantage of social
media to get a "leg up" in the job hunt.
AARP Jobs ›
Sometimes the retirement you want
means working a little longer.
Buying Guaranteed Income ›
Learn how fixed annuities can help you build a secure retirement by providing income you can count on.
- Home Budget Calculator ›
Make the most out of AARP's resources.
Now that you've got a plan and worked some numbers, there's plenty more you can do. AARP offers many helpful webinars where you can get answers straight from the experts. There's also a free financial publication for most situations, all with a handy “to-do” list. Take a look at some of these resources.
More answers from AARP experts