“Based on what you put in, this is your score and means you’re going to run out of money if you live past a certain age.”

So what does this austerity look like? You will have to start saving 50% or more of your paycheck every year.

About 30% of people ages 51 to 56 who earn more than $80,000 a year have less than $200,000 saved.

In the worst case, retirement savings are really bad: 45% of boomers have zero savings for retirement.