Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to receive health information of a user, wherein the health information comprises at least an age of the user and medical treatment history of the user. Based on the health information, the system determines a life expectancy of the user, and projected allocations of finances for health care of the user based on the health information and the life expectancy of the user. The system is further configured to receive retirement information of the user. Based on the health information and the financial information, the system determines a projected retirement score of the user. The system may communicate the projected retirement score of the user.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products optimizing a generated retirement score. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date. The invention continues by retrieving historic retirement scores for the user. Based on the scores, user spend data, user location, and financial products associated with the user, the invention identifies improvements to a user retirement score. The user may be automatically shifted into products that may improve the retirement score. Furthermore, the invention may augment historical retirement score data to present illustrations of the effect of recommendations on current and/or future retirement scores if the recommendations are implemented.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products utilizing a generated retirement score for use qualification and authorization to receive benefits. In this way, the invention calculates a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, the system displays the retirement score on a retirement planning interface on a user device. Subsequently, the invention parses out the component parts of the retirement score, distributes the parsed scores within the entity to determine benefits available to the user. These benefits may be provide via the planning interface. Finally, the retirement score may be combined with financial assessment scores and provided to third parties for product approval and implementation for user.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to access the assets and the liabilities of a user over a network of servers, wherein the assets include illiquid assets and liquid assets, wherein the assets and the liabilities comprise a balance sheet; determine asset values and liability values; determine a retirement score based on the asset values and the liability values; and determine a market event; and determine an increase or decrease in the retirement score based on the market event.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to access the assets and the liabilities of a user, a user profile, fund in-flows and fund out-flows for the assets and the liabilities over a past time period by analyzing transactions for the assets and the liabilities, estimated rates of return for the assets that provide returns, and financial behavior of the user. In response, calculate a retirement score for the user indicating the user's preparedness for retirement at a future predetermined date, wherein the future predetermined date is selected by the user. In response, display the retirement score on a retirement planning interface on a user device.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for assessing retirement planning based on a retirement score. The system is configured to create a social network group, receive a request for the user to join the social network group, receive financial information of the user. Based on the financial information of the user, determine the projected retirement score of the user. This system may additionally determine a projected group retirement score range for the social network group, determine that the projected retirement score of the user is within the projected group retirement score range for the social network group, create a group membership for the user to join the social network group based on determining the projected retirement score of the user is within the projected group retirement score range for the social network group.