{"uid":"cap_93pbdzDf4G292A-FG93mp","slug":"agent402-tools-retirement-planning-workflow-8d83bffc","name":"agent402.tools Retirement Planning Workflow","description":"Bundled execution of the Retirement planning workflow - Will my retirement plan actually work? Project the accumulation phase forward with compound interest, compute the target nest egg from your expected spending, then model the drawdown phase us...","url":"https://agent402.tools/api/skill/retirement-planning","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"scenario":{"type":"string","description":"Your retirement scenario (current age, balance, contributions, retirement age, etc.)"},"expectedReturn":{"type":"string","description":"Long-run expected annual return as a decimal (default 0.07 = 7% - historical S&P after inflation runs ~6-7%; use 5% for a conservative bond-heavy mix)"}}},"responseSchema":{"type":"json","example":{"args":{"scenario":"35 years old with $100,000 saved, contributing $1,500/month, retiring at 65","expectedReturn":"0.07"},"pack":"retirement-planning","steps":[{"ok":true,"slug":"compound-interest","result":{}},{"ok":true,"slug":"npv","result":{}},{"ok":true,"slug":"irr","result":{}},{"ok":true,"slug":"loan-payment","result":{}},{"ok":true,"slug":"amortization","result":{}}],"summary":"5/5 steps succeeded"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_xJhh2t6Qi6EqmO5NO1IC9","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Projects retirement accumulation and drawdown phases to determine whether a given retirement plan is financially viable","exampleAgentPrompt":"I'm 38 years old with $120,000 saved, contributing $18,000 a year, and I want to retire at 65 — will my plan actually work if I expect to spend $80,000 a year in retirement? Use a 7% expected return.","exampleUseCases":null,"resultDescription":"A bundled analysis covering: projected nest egg at retirement using compound interest on contributions, the target nest egg required to sustain expected spending (likely using a 4% rule or similar), and a drawdown model showing how long the savings will last — effectively a pass/fail verdict on the retirement plan with supporting projections.","failureModes":["Missing required scenario description returns an error or empty projection","Invalid or out-of-range expectedReturn value (e.g. negative or >1) may cause calculation errors","Ambiguous scenario text may result in incorrect parameter parsing","Payment failure (x402) results in no response","Extreme edge cases (e.g. retiring before current age) may produce nonsensical output"],"whenToPreferThis":"Use this endpoint when a user wants a complete, multi-phase retirement analysis in a single call — combining accumulation projection, nest egg target computation, and drawdown modeling — rather than running separate financial calculations. Ideal for quick feasibility checks on a retirement plan without needing a dedicated financial planning platform.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T19:14:06.643Z","isFirstParty":false}