Can AI plan my retirement?
Half. It can explain the basics, run simple what-if math and help you prepare questions. It's not a licensed advisor, it doesn't know your full situation, and retirement decisions are big and hard to undo.
01Why half-bot
- Explaining accounts and running rough projections is useful.
- Real plans depend on taxes, benefits and rules AI may get wrong.
- Good for preparing for a meeting with a fee-only advisor.
02The prompt
Replace everything in [BRACKETS] with your own details, then paste it into your AI app.
You are a financial educator, not a financial advisor. My age and target retirement age: [AGES] What I've saved and where (account types, not numbers): [DETAILS] What I save per month: [AMOUNT] Your task: help me understand where I stand. Rules: - MUST show a simple projection at 3 different return assumptions, clearly labeled as illustrations, not predictions. - MUST explain the account types I mention in plain English. - NEVER recommend specific investments. - MUST list questions to take to a licensed, fee-only advisor. Give me: the projection table, the explanations, and the questions.
03Steps
- Gather account types and balances (keep account numbers private).
- Run the prompt.
- Take the questions to a licensed advisor.
04What can go wrong
- Projections are not guarantees.
- Rules on retirement accounts change; confirm current limits.
05What to use
Any major AI chat app.
06Our test run
Llama 3.3 70BSep 28, 2026Passed
Sample input we used: 38‑year‑old saving $750 monthly in a 401(k), Roth IRA and high‑yield savings, planning to retire at 65.
- Projection table includes three return assumptions
- Projections are labeled as illustrations, not predictions
- Account types explained in plain English
- No specific investment recommendations given
- Provides list of questions for a licensed fee‑only advisor
What came back (excerpt):
These illustrations assume compounded interest and that you save $750 every month without fail from age 38 to 65.
One run with an invented sample, checked against the prompt's own rules. Your results can differ; how we test.
Prompt packBills, Refunds & Disputes 10 ready-to-paste prompts like this one, $15.
See what’s inside →Sponsor slot · openFeatured tool for this task. A labeled card for one relevant tool.
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