{"uid":"cap_pu71c60FMt7hF7ryE3O4f","slug":"wealthpulse-retire-retirement-readiness-projection-a93938b8","name":"WealthPulse Retire — Retirement Readiness Projection","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-phi.vercel.app/api/wealth/retire","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"age":{"type":"string","description":"42 (current age, required)"},"lang":{"type":"string","description":"en | es | fr | de | pt | zh | hi"},"income":{"type":"string","description":"120000 (annual income USD, required)"},"savings":{"type":"string","description":"180000 (current retirement savings USD, default: 0)"},"retire_at":{"type":"string","description":"65 (target retirement age, default: 65)"},"savings_rate":{"type":"string","description":"10 (% of annual income assumed contributed toward retirement each year, default: 10)"},"target_income":{"type":"string","description":"80000 (annual retirement income USD, default: 80% of current income)"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","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":"settled","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_7I8XjpA_hLj2LlipGl9YV","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":"Projects retirement readiness with gap analysis and a personalized action plan showing how much more to save or adjust to meet retirement goals","exampleAgentPrompt":"I'm 42 years old, want to retire at 67, currently have $180,000 saved, contribute $800 a month, earn $95,000 a year, and expect to need about $60,000 a year in retirement — can you run a retirement readiness projection and tell me if I have a gap and what I should do about it?","exampleUseCases":null,"resultDescription":"Returns a retirement readiness projection including projected balance at retirement, estimated gap or surplus versus target, a readiness score or health indicator, and a concrete action plan with prioritized steps to close any shortfall (e.g. increase contributions, adjust asset allocation, delay retirement age).","failureModes":["Missing required financial inputs such as current age or savings returns a 400 error","Unrealistic inputs (e.g. retirement age younger than current age) may produce a validation error or degenerate projection","Service unavailability or payment failure returns a 402 or 5xx error","Extreme edge-case inputs (very high or zero savings rates) may produce misleading projections without proper context"],"whenToPreferThis":"Choose this endpoint when a user explicitly wants to understand their retirement readiness, project their retirement balance, quantify a savings gap, or receive a prioritized action plan to improve their retirement outcome. Prefer this over generic financial snapshot endpoints when the specific goal is retirement-focused projection and gap analysis rather than a broad financial health overview.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:31:41.544Z","isFirstParty":false}