Enter the total assets ($) and the total spending needs in retirement ($) into the Funded Ratio Calculator. The calculator will evaluate and display the Funded Ratio. 

Funded Ratio Formula

The following formula is used to calculate the Funded Ratio. 

FNDR = A / SN * 100

  • Where FNDR is the Funded Ratio ( %)
  • A is the total assets ($) 
  • SN is the total spending needs in retirement ($) 

How to Calculate Funded Ratio?

The following example problems outline how to calculate Funded Ratio.

Example Problem #1:

  1. First, determine the total assets ($). 
    • The total assets ($) is given as: 1,000,000.
  2. Next, determine the total spending needs in retirement ($). 
    • The total spending needs in retirement ($) is provided as: 150,000.
  3. Finally, calculate the Funded Ratio using the equation above: 

FNDR = A / SN * 100

The values given above are inserted into the equation below and the solution is calculated:

FNDR = 1,000,000 / 150,000 * 100 = 666.67 (%)


Example Problem #2: 

For this problem, the variables required are provided below:

total assets ($) = 600,000

total spending needs in retirement ($) = 50,000

Test your knowledge using the equation and check your answer with the calculator above.FNDR = A / SN * 100 = ?