Sixty-four percent of Americans say they feel confident they have enough money to live comfortably throughout retirement — down from last year — according to the Employee Benefit Research Institute (EBRI)’s 2026 Retirement Confidence Survey.

The 36th annual survey, conducted online in January, is jointly produced by EBRI and Greenwald Research.

Worker confidence fell to 61%, down 6 percentage points from 2025, while retiree confidence fell 5 percentage points to 73%.

“Retirement confidence has clearly softened this year and the data show why,” said Craig Copeland, director of wealth benefits research at EBRI. “Americans are contending with a mix of immediate details ⇒

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