Use your gross annual income before taxes and other deductions. This number helps gauge your ability to save.

This number should include 401(k)s, IRAs, etc., plus any employer contributions to help determine your retirement readiness as of today.

This number helps determine whether you’re on track to have enough money saved by retirement age. Be sure to include contributions going to your workplace savings account [e.g., 401(k), 403(b)] or IRA or another savings account. Don’t forget to include your employer’s contributions. Use your best guess if you don’t know the exact amount.