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Retirement Readiness Projection
x402
Retirement Readiness Projection is a paid API for AI agents from x402toll.com, paid per call via x402, $1/call, status unknown (last checked 2026-09-14).
Projects retirement savings growth, calculates the nest egg required by the 4% rule for a target income, and shows the surplus or gap plus extra monthly savings needed to close it.
Price / call$1
Success—
StatusUnknown
How this service works
Retirement-readiness projection: your savings grown to retirement age, the nest egg the 4%-rule requires for your target income, the surplus or gap, and the extra monthly contribution to close it.
Output
Returns the projected nest egg at retirement age (based on current savings and contributions compounded at the expected return), the required nest egg per the 4% (or custom) withdrawal rule for the target income replacement, the dollar surplus or gap between the two, and the extra monthly contribution needed to fully close any shortfall.
Example use cases
Example prompt
“I'm 34 years old, earn $95,000 a year, have $42,000 saved so far, and contribute $8,000 a year. Assuming 7% returns and I want to retire at 65 replacing 80% of my income — am I on track, and if not, how much more do I need to save each month?”
Technical details
Endpoint
POSThttps://x402toll.com/v1/reports/retirement-readinessWhen to prefer
Use this endpoint when you need a single-call retirement readiness snapshot — specifically the gap between projected savings and the 4%-rule-derived nest egg, plus the actionable monthly contribution delta. Prefer this over generic compound-interest calculators when you need income-replacement-based targeting and a shortfall-closing prescription in one response.
Side effects
- currentAge missing or out of range (16–90) returns validation error
- retirementAge less than or equal to currentAge causes invalid horizon error
- Negative or zero currentIncome may produce undefined income replacement targets
- expectedReturnPct or withdrawalRatePct set to extreme values (e.g. 0 or >30) may produce unrealistic projections
- Payment of $1 USDC not completed returns 402 Payment Required
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| currentAge | number | |
| currentIncome | number | |
| retirementAge | number | |
| currentSavings | number | |
| expectedReturnPct | number | |
| withdrawalRatePct | number | |
| annualContribution | number | |
| incomeReplacementPct | number |
Tags
x402
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