# WealthPulse Retire — Retirement Readiness Projection

> 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

## Facts

- Endpoint: GET https://wealthpulse-phi.vercel.app/api/wealth/retire
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-retire-retirement-readiness-projection-a93938b8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_pu71c60FMt7hF7ryE3O4f

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 wealthpulse-retire-retirement-readiness-projection-a93938b8
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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).

## Request schema (JSON Schema)

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

## Response schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-retire-retirement-readiness-projection-a93938b8/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from wealthpulse-phi.vercel.app](https://www.zero.xyz/host/wealthpulse-phi.vercel.app/llms.txt)