A plain-language walkthrough of what goes into the score, what it can't tell you, and where the real numbers come from — before you hand over any information.
A 100-point score built from 4 equally-weighted dimensions (25 points each), computed directly from your answers — plus a written explanation grounded in real, government-sourced cost-of-living and inflation data for your area. Nothing about the score or the math is generated by AI; only the written narrative that explains it is.
Scoring model v2 (2026-09-14) — adds the optional "Sharpen Your Score" step and multi-concern support. You can see your real result without giving any contact information; contact info is only ever collected afterward, and only if you choose to.
How well your comfort with risk matches where your money actually sits today.
How well your money's predictability fits how soon you'll actually need it.
How much of your target monthly income your current portfolio could sustainably support.
Whether the thing you're most worried about lines up with where your real exposure is.
Your portfolio range and target monthly income are each converted to a midpoint (e.g. "$500,000 to $750,000" becomes $625,000) so the tool can do arithmetic on a real number instead of a label. From there:
An AI model (not a person) then writes the plain-language explanation of your results using only the real numbers above — it can adjust the deterministic score by at most 5 points based on that real data, and never invents a figure of its own.
| Age / time horizon | 58 / 5–15 years |
| Portfolio range (midpoint) | $500k–$750k (~$625,000) |
| Target monthly income | $7,000/month |
| Sustainable monthly (4% rule) | ~$2,083/month |
| Resulting gap | Target is ~3.4x what the portfolio could sustainably generate |
No. It's a free educational starting point that shows you where the gaps might be, grounded in real cost-of-living data for your area — not a substitute for sitting down with a licensed professional who has your full financial picture.
Your name and email, yes — that's how we send you a copy of your result. Phone number is optional and comes up afterward, in a separate "reachable by text or call" step — and even then, the consent checkboxes for calls/texts are unchecked by default and don't affect whether you can see or save your results.
Yes — after you get your initial score, an optional "Sharpen Your Score" step lets you add marital status, other income, an estimated Social Security benefit, and debt to get a more precise number. It's entirely optional and can be skipped.
An AI model writes the plain-language narrative, using only the real numbers already computed by the deterministic scoring code above — it doesn't search the web, doesn't invent figures, and can't name a specific financial product.
Know Your Retirement Score is a free educational tool provided by Groei Group LLC, a marketing company — not an insurance agency, and not a source of personalized financial, insurance, tax, or legal advice. The scoring logic and government data sources described above are reviewed for accuracy as data updates (Census ACS figures are annual; BLS CPI figures update monthly); the AI-written narrative is reviewed against our compliance rules (no product names, no directive "you should" language, education only) but individual write-ups are not manually reviewed one by one before display. See our Privacy Policy and Terms of Use for the full picture, including how contact consent works.