WealthPulse Retire — Retirement Readiness Projection

x402

WealthPulse Retire — Retirement Readiness Projection is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-15).

Projects retirement readiness with gap analysis and a personalized action plan showing how much more to save or adjust to meet retirement goals

Price / call$0.15

Seller volume →—

Success—

StatusUnknown

How this service works

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.

Output

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).

Example use cases

Example prompt

“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?”

Technical details

Endpoint

GEThttps://wealthpulse-phi.vercel.app/api/wealth/retire

When to prefer

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.

Side effects

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

Input

Schema · Request body

Field	Type	Description
inputrequired	object
output	object

Output

Schema · Response

{
  "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"
  }
}

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How this service works

Output

Example use cases

Example prompt

Technical details

Endpoint

GEThttps://wealthpulse-phi.vercel.app/api/wealth/retire

When to prefer

Side effects

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

Input

Schema · Request body

Field	Type	Description
inputrequired	object
output	object

Output

Schema · Response

{
  "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"
  }
}