---
title: "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."
method: POST
path: "/v1/reports/retirement-readiness"
tags: ["Retirement"]
---

# 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.

`POST /v1/reports/retirement-readiness`

## Request

- Base URL: `` (relative, and it does not resolve against the document’s source URL)
- URL: `/v1/reports/retirement-readiness`
- Auth: none declared

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.

Payment: x402 ($1.00 USDC on eip155:8453). Call unpaid to receive an HTTP 402 with requirements, then retry with the PAYMENT-SIGNATURE header. Method: projected = currentSavings·(1+r)ⁿ + contribution·[((1+r)ⁿ-1)/r]; requiredNestEgg = (income·replacement%) / withdrawal%; gap solved back to an annual/monthly contribution

## Request body

- object
  - `currentAge` number, required
  - `retirementAge` number
  - `currentSavings` number
  - `annualContribution` number
  - `expectedReturnPct` number
  - `currentIncome` number, required
  - `incomeReplacementPct` number
  - `withdrawalRatePct` number

## Response `200`

Verified result + provenance (formula, sources, reproducible SHA-256 hash).

## Other responses

- `400`: Invalid input (no charge) — body echoes the JSON Schema.
- `402`: Payment required — PAYMENT-REQUIRED header carries the x402 accepts[] quote.

---

[API](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents.md) · [All operations](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/llms.txt) · [OpenAPI document](https://skmtc.dev/x402toll/apis/tollbooth-verified-calculators-for-ai-agents/revisions/60cb70a3e1a5?raw)