# agent402.tools Retirement Planning Workflow

> agent402.tools Retirement Planning Workflow is a paid API for AI agents from agent402.tools, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-14).

Projects retirement accumulation and drawdown phases to determine whether a given retirement plan is financially viable

## Facts

- Endpoint: POST https://agent402.tools/api/skill/retirement-planning
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agent402-tools-retirement-planning-workflow-8d83bffc
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_93pbdzDf4G292A-FG93mp

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability agent402-tools-retirement-planning-workflow-8d83bffc -d '<json body>'
```

Example prompt: 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.

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

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...

## Output

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.

## Request schema (JSON Schema)

```json
{
 "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)"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agent402-tools-retirement-planning-workflow-8d83bffc/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from agent402.tools](https://www.zero.xyz/host/agent402.tools/llms.txt)