An apparatus for producing an autonomy score is disclosed. The apparatus includes at least a processor and a memory communicatively connected to the at least a processor. The memory instructs the processor to receive a pecuniary datum. The memory additionally instructs the processor to generate a pecuniary plan as a function of the pecuniary datum. The memory then instructs the processor to evaluate a pecuniary proficiency of a user as a function of the pecuniary plan. A pecuniary machine learning model is configured to be trained using a pecuniary training data. The pecuniary proficiency of a user is then evaluated as a function of the pecuniary plan. The memory then instructs the processor to produce an autonomy score as a function of the pecuniary proficiency. The memory finally instructs the processor to determine a pecuniary status of a user as a function of the pecuniary proficiency and the autonomy score.