The plan wellness badge
Last updated November 3, 2026
The badge puts one number into words: the share of 5,000 simulated retirements in which your money lasted. On track is 90% or more. Mostly on track starts at 75%, At risk at 50%, and Needs attention is below that.
The badge is the chance-of-success figure shown beside it, put into words. If the badge moved, that percentage moved.
We chose those cutoffs. They aren't an industry standard. On track starts at 90% because your sustainable monthly income is worked out at that same 90%, so the two numbers agree.
Spending usually has the largest effect on the badge, and it's often the input you can change soonest. Retirement age usually comes next. Compare shows what each is worth on your own numbers.