National Score of 57.7 Highlights Persistent Gaps in Resilience, Healthcare Planning, and Long-term Preparedness

Widespread Family Financial Support and Difficulty Saving Through Disruptions Help Explain Fragile Retirement Readiness

IRALOGIX, a leading fintech retirement provider, today released the 2025 results of its Retirement Readiness Index (IRRI), a national benchmark designed to assess how prepared Americans are for retirement across five critical dimensions: Savings & Investments, Healthcare Readiness, Lifestyle & Spending, Emotional Well-being, and Economic & Policy Confidence.

The 2025 IRRI national score registered 57.7 out of 100, placing overall retirement readiness for the full year in the Elevated Risk category. While many Americans are actively participating in retirement savings plans and remain cautiously optimistic about their future, the results show that readiness remains fragile and vulnerable to disruption.

“Retirement readiness is about more than just your 401(k) or IRA. From the very beginning of your career, you should take advantage of every retirement strategy available to build a strong foundation. A score of 57.7 shows that participation alone is not enough. Many Americans are enrolling and contributing as expected, yet too many are still one unexpected expense, job disruption, or healthcare event away from falling behind. Real readiness requires resilience, thoughtful planning, and protection against financial shocks, not just access to a savings plan,” said Peter de Silva, CEO of IRALOGIX.

Key Findings from the 2025 IRRI

The IRRI measures retirement readiness using a fixed set of 16 core questions that evaluate both financial behaviors and structural preparedness. Results across the five dimensions reveal uneven progress:

• Savings and Investments is the strongest dimension, reflecting broad participation in retirement accounts, though contribution consistency remains uneven.

• Lifestyle and Spending shows moderate strength, suggesting many households manage day-to-day finances but lack confidence in sustaining their lifestyle through retirement.

• Emotional Well-being remains relatively stable, indicating that confidence and outlook have not collapsed despite ongoing economic uncertainty.

• Healthcare Readiness is among the weakest areas, highlighting limited preparation for medical and long-term care costs.

• Economic and Policy Confidence scores lowest, reflecting persistent concern about inflation, economic volatility, and the stability of retirement-related policies.

Contextual Insights from 2025 Rotating Questions

In addition to the core questions used to calculate the IRRI score, the 2025 survey included a small set of rotating questions designed to provide additional context around the financial pressures shaping retirement readiness. While these findings do not affect the index score, they help explain why readiness remains fragile for many Americans.

• Family financial support is widespread. Nearly six in ten respondents reported providing financial support to a family member or loved one at some point during 2025, creating additional strain on household finances and limiting the ability to save consistently for retirement.

• Saving during stress remains difficult. A majority of respondents indicated that maintaining retirement contributions during periods of financial stress was challenging, reinforcing the finding that participation alone does not ensure durability.

• Confidence in sustaining lifestyle is uneven. Many respondents expressed uncertainty about their ability to maintain their current lifestyle throughout retirement, suggesting that day-to-day financial stability does not always translate into long-term security.

• Long-term financial confidence remains fragile. A significant share of respondents reported being unsure whether they can maintain financial stability throughout retirement, highlighting persistent anxiety about longevity, healthcare costs, and future expenses.

Together, these contextual insights underscore why retirement readiness remains at elevated risk, even as they point to a system where engagement exists, but durability does not.

Validation Across Different Populations

To further validate the index during its first full baseline year, IRALOGIX also fielded the Retirement Readiness Index among more than 1,000 employed-only workers in early January 2026. That survey produced results closely aligned with the national reading, despite focusing exclusively on individuals currently in the workforce. The similarity underscores a key insight from the IRRI: employment improves access to retirement savings but does not guarantee readiness. Consistency, planning, and resilience play a larger role in determining outcomes than employment status alone.

Risk Interpretation and Calibration

Because 2025 represents the full baseline year for the IRRI, IRALOGIX evaluated multiple survey waves across different populations to better understand how index scores align with real-world behaviors. That analysis showed that retirement fragility persists well into the high-50s on the index scale, particularly in areas such as emergency resilience, healthcare planning, and long-term income preparedness.

As the IRRI expanded across multiple surveys during its baseline year, IRALOGIX gained additional insight into how different score ranges correspond to real-world retirement behaviors. This perspective helps guide how results are interpreted, while the underlying index methodology remains consistent.

Under the calibrated framework, scores in the 40s and 50s reflect Elevated Risk, indicating meaningful engagement with retirement systems but insufficient resilience to withstand disruption.

For the full IRRI report and detailed dimension breakdowns, please contact Scott Sunshine.

About the IRALOGIX Retirement Readiness Index

The 2025 IRALOGIX Retirement Readiness Index is based on a nationally representative survey of 1,046 U.S. adults, fielded in late January 2026. Responses are standardized to a 0 – 100 scale and aggregated using a consistent set of 16 core questions to produce the national score supported by dimension-level insights. The benchmark is designed to measure system-level retirement preparedness rather than sentiment alone. Additional diagnostic questions were included to provide context, but the headline IRRI score is derived only from a fixed core framework to ensure consistency over time.

Looking Ahead

The 2025 IRRI establishes a national baseline for retirement readiness. Future releases of the index will track changes using the same core methodology, while rotating diagnostic modules will explore specific drivers of readiness, including financial literacy, plan design, and retirement income planning.

“The opportunity ahead is not just to increase participation,” added de Silva. “It’s to strengthen the systems and behaviors that turn saving into lasting security. That means helping people stay invested through disruptions, protecting savings from short-term shocks, and making long-term planning easier and more intuitive. Access is essential, but outcomes are what ultimately matter.”

About IRALOGIX

IRALOGIX is modernizing the $18 trillion IRA market with fully digital, customizable retirement solutions that work for everyone – from the smallest to the largest institutions. Our cloud-based technology allows financial organizations to offer efficient, paperless IRAs under their own brand, without operational complexity or high costs. Designed to integrate seamlessly with your business, IRALOGIX supports both in-house teams and leading third-party providers. The result: a scalable, flexible platform that helps institutions grow, serve more clients, and stay competitive in an evolving retirement landscape. Learn more at Iralogix.com.

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IRALOGIX 2025 RETIREMENT READINESS INDEX FINDS AMERICANS REMAIN AT ELEVATED RISK DESPITE BROAD PLAN PARTICIPATION