What if the AI can't see my 401k?

Not all 401k providers offer data connections through Plaid. If your 401k doesn't appear, you can still run a partial analysis on your IRAs and other connected retirement accounts. For a complete picture, manually tell the AI your 401k balance and it will incorporate that into the projections.

What should I put in the age and extra contribution fields?

Replace [65/67] with your target retirement age. Replace $[X] with a monthly amount you're considering adding — for example, 200 for an extra $200/month. Remove the third scenario line if you don't want it.

Is the 6% return assumption realistic?

It's conservative by historical standards — the long-term average for a diversified equity portfolio is closer to 7-10%. Using 6% builds in a margin for fees, sequence-of-returns risk, and uncertainty. You can ask the AI to rerun the projections at a different rate.

How does the employer match check work?

The AI looks at your contribution patterns against the employer match threshold. It can only flag potential gaps — it doesn't have access to your specific employer match structure. Confirm the details with your HR or benefits portal.

Finta MCP · Personal finance

Updated June 2026

Retirement Readiness Check Prompt for Finta MCP

Paste this prompt into your AI assistant to get a retirement account inventory, contribution analysis, scenario projections to your target retirement age, and a benchmark check against common savings targets.

Set up Finta MCP

Free prompt. Works in Claude, Cursor or any MCP client connected to Finta.

Prompt

Set [65/67] and $[X] before sending

Using my Finta data, give me a retirement readiness snapshot.

1. Retirement account inventory
- List all retirement accounts you can see (401k, IRA, Roth IRA, SEP-IRA, pension, etc.)
- Current balance for each
- Total retirement assets

2. Growth trend
- How have my retirement account balances changed over the past 12 months?
- What's the approximate annual growth rate, combining contributions and market returns?

3. Contribution analysis
- Based on transaction history, how much am I contributing per month and per year to retirement accounts?
- Am I on track to max out my 401(k) ($23,500 in 2025) or IRA ($7,000)?
- Is there any evidence I might be leaving employer match on the table?

4. Projection scenarios
At my current balance and contribution rate, project my nest egg at age [65/67] using three scenarios:
- Current pace (no change)
- Maxing out contributions
- Adding an extra $[X] per month

Use a conservative 6% annual return for all scenarios.

5. Readiness benchmark
- Common target: 10× salary saved by retirement age
- Based on what you can see, how am I tracking against that benchmark?
- What's the single most impactful change I could make right now?

Flag clearly where you're estimating vs. working from confirmed data.

What's inside

Section by section

What the prompt asks for

Five sections. Set your target age and an extra monthly amount to model, and the AI marks where it is estimating.

Retirement account inventory: Every 401(k), IRA, Roth IRA, SEP-IRA or pension the AI can see, with balances and a total.; Accounts
Growth trend: How your retirement balances moved over 12 months, and the approximate annual growth rate.; Balance History
Contribution analysis: What you contribute per month and per year, how close you are to the annual limits, and any sign of a missed employer match.; Transactions
Projection scenarios: Your balance at your target age at the current pace, at the maximum, and with an extra amount you choose, all at a 6% return.; Everything above
Readiness benchmark: How you track against the 10x salary target, and the one change that would help most.; Everything above

Setup

Three steps to your first answer

Connect your retirement accounts in Finta.
Install the Finta MCP server in your AI client.
Paste the prompt, set your age and extra amount, and send.

Why the answers are real

Give your AI assistant the data it has been guessing about

Finta MCP lets your assistant read the accounts, transactions and balances Finta has synced, and recategorize transactions. It cannot move money or change your bank connections.

The prompt reads

Accounts
Balance History
Transactions
Investment Transactions
Storage Mode on

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Retirement readiness prompt questions

What if the AI can't see my 401k?: Not all 401k providers offer data connections through Plaid. If your 401k doesn't appear, you can still run a partial analysis on your IRAs and other connected retirement accounts. For a complete picture, manually tell the AI your 401k balance and it will incorporate that into the projections.
What should I put in the age and extra contribution fields?: Replace [65/67] with your target retirement age. Replace $[X] with a monthly amount you're considering adding — for example, 200 for an extra $200/month. Remove the third scenario line if you don't want it.
Is the 6% return assumption realistic?: It's conservative by historical standards — the long-term average for a diversified equity portfolio is closer to 7-10%. Using 6% builds in a margin for fees, sequence-of-returns risk, and uncertainty. You can ask the AI to rerun the projections at a different rate.
How does the employer match check work?: The AI looks at your contribution patterns against the employer match threshold. It can only flag potential gaps — it doesn't have access to your specific employer match structure. Confirm the details with your HR or benefits portal.

Finta MCP prompt

Connect your accounts, then ask anything.