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Planning and Retirement Process Scale (PRePS)

Planning and Retirement Process Scale (PRePS) Test

Understand how you feel about retirement and how prepared you are in about 7 minutes. Get a clear, structured snapshot of perceptions, goals, commitment, and actions to target next steps fast.

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Questions: 357 minutes

Hi! My name is Freudly, i am an AI therapist, I will give you an interpretation of the test after you complete it.

08:30

October 2, 2025

October 2, 2025
Material has been updated

October 2, 2025
Material has been published

25,842 views

2,675 completions

2,210 likes

Verified by Daniel Hall

Psychologist with 25 years of experience

Scale Explorer

How the Scales are Structured

example score

27/35

Preparation for Retirement (PfR)

Measures how ready someone is for retirement and the extent to which they have taken concrete steps to prepare for it.

Limited preparation

Developing preparation

Well-prepared

7 – 16: Limited preparation | 17 – 30: Developing preparation | 31 – 35: Well-prepared

A score of 27 indicates developing preparation, suggesting several planning actions are in place while some areas may still need clearer goals or follow-through.

example score

30/40

Decision to Prepare for Retirement (DtPfR)

Measures how consciously and firmly a person has decided to begin preparing for retirement.

Passive/Undecided

Emerging Commitment

Proactive Decision

8 – 16: Passive/Undecided | 17 – 30: Emerging Commitment | 31 – 40: Proactive Decision

A score of 30 suggests a developing commitment to retirement preparation, with intention present but not yet at the most proactive level.

example score

10/20

Retirement Goals (RG)

Assesses how clearly defined and specific a person’s goals are for retirement planning.

Unclear goals

Developing goals

Clear goals

4 – 9: Unclear goals | 10 – 18: Developing goals | 19 – 20: Clear goals

A score of 10 suggests retirement goals are present but still developing, with room to make plans more specific and actionable.

example score

41/80

Retirement Representations (RR)

Measures how clearly a person has formed a mental image and understanding of what retirement will look like for them.

Unclear or unformed

Developing picture

Clear and defined

16 – 39: Unclear or unformed | 40 – 67: Developing picture | 68 – 80: Clear and defined

A score of 41 falls in the Developing picture range, suggesting an emerging but still incomplete view of retirement that may benefit from further clarification and detail.

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DATA-BASED USER COHORTS

Who Usually Takes This Test?

Mid‑career professionals

46%OF USERS

People in their 40s–50s who want a clear picture of how far along they are in saving, goal setting, and taking concrete steps toward retirement.

Near‑retirement planners

34%OF USERS

Adults within about 5–10 years of retiring who need to identify gaps in decisions, lifestyle plans, and practical preparations.

Coaching and counseling clients

20%OF USERS

Individuals working with a financial planner, coach, or social worker who want structured feedback on motivation, goals, and readiness for retirement.

BASED ON AGGREGATED, ANONYMIZED DATA FROM TENS OF THOUSANDS OF FREUDLY USERS.

RESULTS YOU CAN ACTUALLY USE

Scale Results
— Explained Clearly

Your scores across each test scale are translated into plain, usable insights. You won’t just get numbers — you’ll learn how your results impact your daily life, emotional state, and overall well-being.

AI-Powered
Interpretation

You’ll receive a structured, clinically-grounded explanation. Our AI analyzes patterns and relationships between scales to provide a coherent interpretation, without exaggerated language.

Statistical
Comparison

See how your results compare to others. Anonymized platform data is used to create a percentile scale, which identifies whether your results are typical.

Practical
Recommendations

You’ll receive clear, actionable guidance tailored to your profile. These easy-to-implement suggestions focus on coping, self-regulation, and realistic next steps.

AI-Powered
Insights

Get insights on behavioral and thought patterns you might not notice on your own. By uncovering subtle connections between your responses, you’ll better understand what may be driving your current results.

Discuss with
an AI Therapist

Clarify, reflect, and explore your results right away. Talk through your experience, ask questions, and explore meanings in a calm, non-diagnostic dialogue.

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Used in 52+ countries

Benchmarking

See How You Compare

Once you complete the test, your results are compared with real-world data from people in your country.
Below is a preview of how scores are typically distributed across each scale.

Preparing for Retirement (PfR)

Average

Normal range

20.2 — 29.7

min.

max.

Majority

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.

Decision on Preparing for Retirement (DoPfR)

Average

24.1

Normal range

20.1 — 28.1

min.

max.

Majority

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.

Retirement Goals (RG)

Average

14.2

Normal range

11.4 — 17

min.

max.

Majority

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.

Ideas about Retirement (IaR)

Average

Normal range

25 — 42.9

min.

max.

Majority

This curve shows how scores are typically distributed.
Once you complete the test, your result will appear on the scale so you can see how you compare.

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CLEAR ANSWERS TO COMMON QUESTIONS

Frequently Asked Questions

What does this questionnaire measure?

It measures the retirement planning process across perceptions, goal setting, the decision to begin planning, and concrete preparation activities. It provides a structured profile of planning strengths and gaps.

How long does it take and how many items are included?

Completion typically takes about 7 minutes. The questionnaire includes 35 items.

How should responses be selected?

Select the option that best matches typical thoughts and behavior, not an ideal response. If unsure, choose the closest option rather than leaving items blank.

What do the results represent?

Results indicate relative levels of engagement in each planning aspect and highlight areas needing support. They are not a diagnosis and do not replace financial or clinical evaluation.

Who can use the results and for what purposes?

Results can support counseling, coaching, financial planning, and research by identifying targets for intervention. Interpretation should be completed by qualified personnel when used for professional decision-making.

WHAT THE TEST MEASURES

About This Assessment

Retirement Planning Process Scale, PRePS Test

Planning and Retirement Process Scale (PRePS) Test - Symptoms and Signs

aging

Retirement planning is often conceptualized as a multidimensional process rather than a single decision point. The Planning and Retirement Process Scale (PRePS) is a self-report measure designed to assess an individual’s orientation toward and engagement in retirement planning across several domains.

Developed by Mo Wang and Kene Henkens, it includes 35 items and typically takes about 7 minutes to complete. Items reflect beliefs and expectations about retirement, goal setting related to finances and lifestyle, readiness to initiate planning, and concrete preparatory actions.

In clinical, counseling, and applied research contexts, the Planning and Retirement Process Scale (PRePS) can support a structured discussion of planning strengths and gaps, helping to identify areas where additional guidance, goal clarification, or behavioral planning may be indicated.

Author: Kene Henkens, Mo Wang

Literature: Hershey, D. A., Jacobs-Lawson, J. M., McArdle, J. J., & Hamagami, F. A. Psychological foundations of financial planning for retirement. Journal of Adult Development. 2007.

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