# Retirement Readiness Projection

> 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.

## Facts

- Endpoint: POST https://x402toll.com/v1/reports/retirement-readiness
- Price: $1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/retirement-readiness-projection-8256b205
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_RoHGWRAN6nALzsvSuk2u5

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 retirement-readiness-projection-8256b205 -d '<json body>'
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "currentAge": {
   "type": "number",
   "maximum": 90,
   "minimum": 16
  },
  "currentIncome": {
   "type": "number",
   "maximum": 1000000000,
   "minimum": 0
  },
  "retirementAge": {
   "type": "number",
   "default": 65
  },
  "currentSavings": {
   "type": "number",
   "default": 0
  },
  "expectedReturnPct": {
   "type": "number",
   "default": 7
  },
  "withdrawalRatePct": {
   "type": "number",
   "default": 4
  },
  "annualContribution": {
   "type": "number",
   "default": 0
  },
  "incomeReplacementPct": {
   "type": "number",
   "default": 80
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/retirement-readiness-projection-8256b205/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402toll.com](https://www.zero.xyz/host/x402toll.com/llms.txt)