{"uid":"cap_iV0qkpMuHZFm6fpMZvoSD","slug":"wealthpulse-retirement-planning-analyzer-3a2fa494","name":"WealthPulse Retirement Planning Analyzer","description":"Will I have enough to retire, and what do I need to change? Retirement-readiness projection with projected nest egg vs. the income gap, an on-track assessment, 2026 contribution limits, and a ranked action plan by age, income, and target retirement age. For wealth and retirement-planning agents.","url":"https://wealthpulse.theaslangroupllc.com/api/wealth/retire?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","properties":{"properties":{"type":"string"}}},"responseSchema":{"type":"json","errors":{"400":{"example":{"error":"invalid request"},"description":"Invalid or missing parameter(s). Returned before the payment gate on paid requests, so a malformed call is never charged. JSON body: { error: <what is wrong and how to fix it> } plus usage hints."},"402":{"description":"Payment required — x402 v2 challenge; the accepts array lists scheme, network, and amount. Retry the same request with a PAYMENT-SIGNATURE (v2) or X-PAYMENT (v1) header. Verification is free."},"500":{"example":{"error":"upstream_failed"},"description":"Unexpected server error. If a payment settled without a usable result, contact info@theaslangroupllc.com with the settlement tx hash for a re-run or credit."}},"example":{"on_track":"behind","disclaimer":"For informational purposes only. Projections are estimates based on assumed returns and are not guaranteed. Consult a licensed financial advisor or CFP for personalized retirement planning.","action_plan":[{"rank":1,"action":"Increase 401(k) contribution to the match-plus level","impact":"~$820/month additional savings closes most of the gap over 23 years","priority":"do_now"},{"rank":2,"action":"Open a backdoor Roth IRA","impact":"Adds tax-free growth on top of 401(k) contributions","priority":"this_year"}],"amazon_link":"https://www.amazon.com/s?k=retirement+planning&tag=pulsenetwork7-20","gap_analysis":"Roughly $60,400/year short of the target retirement income of $96,000/year","rate_context":"Current 10-year yields support a conservative return assumption in this projection","amazon_search":"retirement planning","account_strategy":"Max the 401(k) match first, then backdoor Roth, then taxable brokerage","projected_nest_egg":"$890,000 at a 10% savings rate and 4% real annual return","lendingtree_product":null,"years_to_retirement":23,"investment_platforms":[{"url":"https://www.fidelity.com/retirement-ira/overview","best_for":"Self-directed retirement investing with the lowest-cost index funds available","platform":"Fidelity","description":"Zero expense ratio index funds; best IRA selection; free trades; no minimums"}],"on_track_explanation":"Current savings rate produces meaningful income but falls well short of the target replacement rate","retirement_age_target":65,"self_employed_accounts":null,"pension_buyout_analysis":null,"contribution_limits_2026":{"ira":"$7,000 ($8,000 if 50+)","401k":"$23,500 employee ($31,000 if 50+)","roth_ira_income_limit":"$146,000 (single, phases out above)"},"annual_income_this_generates":"$35,600/year using the 4% rule"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.15","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":"$0.15/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.15","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.15","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_QRIy2BlOZzwg5Gv5fWURz","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.15","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Analyzes retirement readiness using live FRED rate data and returns projected nest egg, income gap analysis, and a ranked action plan for closing the shortfall.","exampleAgentPrompt":"I'm 42 years old, earning $120,000 a year, saving about 10% of my income, and I want to retire at 65 — can you run a retirement readiness check and tell me if I'm on track, what my projected nest egg will be, and what I should do to close any income gap?","exampleUseCases":null,"resultDescription":"Returns an on-track status (e.g. 'behind', 'on track'), projected nest egg value, annual retirement income using the 4% rule, a gap analysis in dollars per year, a ranked action plan with specific steps and estimated impact, current 401k/IRA contribution limits for 2026, recommended account strategy, curated investment platform options, and live FRED rate context used in projections.","failureModes":["Missing required parameters (age, income, savings rate) returns a 400-level error","Extreme or invalid inputs (negative savings rate, retirement age below current age) may produce nonsensical projections","FRED rate data unavailability may cause fallback to cached rate assumptions","Per-call cost of $0.15 USDC not paid returns a 402 Payment Required response"],"whenToPreferThis":"Choose this endpoint when a user wants a comprehensive retirement readiness assessment grounded in live market rate data, including gap analysis and a concrete ranked action plan. Prefer over generic calculators when current yield/rate context matters or when the user needs account-type strategy (401k vs Roth IRA vs taxable brokerage). Not suitable for real-time portfolio tracking or investment execution.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-29T06:45:06.112Z","isFirstParty":false,"canonicalSlug":"wealthpulse-retirement-planning-analyzer-3a2fa494"}