What’s a good Retirement Score?

While there’s no single "perfect" number, a good Retirement Score reflects how well you’re progressing toward your personal retirement dreams. It’s a powerful snapshot of your readiness giving you insights into whether you’re on track to meet your financial goals for retirement.

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How a good Retirement Score can help you

A Retirement Score is a numeric reflection of how close you are to achieving your desired retirement lifestyle. Think of it as your retirement readiness dashboard. At Retired.com, for example, it’s calculated using key inputs such as your age, retirement savings, income, spending goals, and expected rate of return. Here's how a good score empowers you:

Clarity & Direction: It helps you visualize where you stand and what adjustments (if any) you need to make.
Personalized Planning: Scores are tied to realistic projections and help you model different scenarios, like retiring earlier or investing more aggressively.
Motivation: Seeing progress through an improved score can motivate smarter savings habits.
Risk Awareness: It highlights how inflation, low returns, or early retirement can affect your nest egg.

In short, a good score doesn’t just mean you’re financially healthy, it helps you stay that way through better-informed decisions. Schedule a call with one of our retirement specialists to discover actionable strategies for boosting your Retirement Score, maximize your savings, and build a stronger financial future.

What Retirement Score ranges indicate

Like a credit score, your retirement score ranges from 300-850 to help you instantly sense where you stand. Here's what different ranges mean for your retirement future:

Score Range	Category	What It Means
800–850	Exceptional	You’re likely on track for a long, secure retirement with little to no adjustments needed
740–799	Very Good	Your plan is strong, though optimizing asset allocation or minor tweaks could help further
670–739	Good	You’ve built solid foundations but may face moderate shortfalls if circumstances change
580–669	Fair	You’re making progress but need to increase savings or delay retirement to improve your outlook
<579	Poor	You’re at high risk of running out of money early in retirement; major planning changes are necessary

Schedule a call with one of our retirement specialists to discover actionable strategies for boosting your Retirement Score, maximize your savings, and build a stronger financial future.

‍What Retirement Score fits your nest egg goals

The “right” Retirement Score for you depends on how long you expect to be retired, how much you plan to spend, and your comfort with financial risk. Here’s how to match your score to your goals:

1. For Early Retirees: If you plan to retire early (e.g., in your 50s), you’ll need a higher score, ideally 739+, because your nest egg needs to last longer. This requires more aggressive saving and investing early on.

2. For Moderate Spenders: If your planned annual retirement spending is average (adjusted for inflation), a score in the 670–739 range might be acceptable, assuming you remain flexible and avoid major unexpected expenses.

3. For Risk-Averse Individuals: Those who prefer conservative investments and minimal financial risk should aim for a score of 800+ to cushion against lower returns or higher-than-expected inflation.

4. For High-Net-Worth Individuals: If you already have significant savings and assets, your goal might be to preserve wealth rather than grow it aggressively. Even so, a high score helps you plan for legacy goals or charitable giving.

Your Retirement Score is the first step, now let’s take it further.

Whether you're looking to boost your score, optimize your savings, or make sense of your retirement plan, our experts are here to help.

Schedule your FREE consultation with a Retired.com¹ consultant today and get personalized guidance on how to improve your score and build the retirement you deserve.

FAQs

Can my Retirement Score change over time?

Yes! Your Retirement Score is dynamic. As your savings grow, investment returns fluctuate, expenses change, or you adjust your retirement age, your score will evolve. That’s why it's important to regularly review and update your retirement plan.

How can I improve my Retirement Score?

There are several ways to boost your score:

Increase your monthly contributions to retirement accounts
Aim for higher investment returns (while managing risk carefully)
Reduce your planned retirement spending
Delay your retirement age to give savings more time to grow
Plan for realistic inflation assumptions

Even modest changes made consistently can significantly improve your score over time.

How often should I check my Retirement Score?

Ideally, review your score at least once or twice a year, or whenever you experience a major life or financial change, such as a new job, salary adjustment, marriage, or change in retirement goals.

Can I have a high Retirement Score with low savings?

Yes, if your retirement lifestyle is modest and your savings are aligned with your spending needs. A high score doesn’t require millions, it just requires the right balance between savings, expected income, and spending habits.

What happens if my Retirement Score is poor?

A poor score (below 579) means you’re likely to run out of money early in retirement. But it’s not too late, increasing contributions, delaying retirement, or reducing spending can make a significant difference.

Can inflation impact my Retirement Score?

Absolutely. Higher inflation increases your future cost of living, which can shrink your projected nest egg’s purchasing power. Good scoring models adjust your spending needs with inflation, so your score reflects true readiness.

Should I factor in my home or real estate when calculating my score?

Yes, if you plan to sell, downsize, or leverage your home equity in retirement, it can be considered an asset.

Can risky investments inflate my score?

Potentially, yes, assuming high return rates will make your projected savings look better. But be careful: overestimating returns or ignoring risk could lead to an unrealistic score. Use conservative, realistic assumptions for the best insights

Is the Retirement Score useful for younger investors?

Definitely. The earlier you assess your score, the more time you have to course-correct. For those in their 20s and 30s, a low score isn’t a crisis, it’s an opportunity to build habits that dramatically improve long-term outcomes

Can I use my Retirement Score to work with a financial advisor?

Yes, and you should! Sharing your score and the data behind it can give your advisor a head start in understanding your needs, helping them create a customized plan for your goals, risk tolerance, and timeline

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Retired.com is a platform that connects clients with its affiliated entities, including Digital Trust, BitcoinIRA, WAO Advisory, Rocket Dollar Capital, and Rocket Dollar Advisor. While Retired.com facilitates connections to these services, it is not itself a custodian, digital wallet, exchange, broker-dealer, registered investment advisor, or a company involved in trading publicly traded assets.

All information provided is for educational purposes only and should not be taken as investment, legal, or tax advice. We encourage you to consult with a qualified advisor or professional to determine the most suitable options for your individual needs.

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