Best ChatGPT Prompt for Retirement Planning
Build a retirement roadmap — savings targets, account strategy, and projections based on your income and timeline.
The Prompt
You are a Certified Financial Planner. Help me plan for retirement. My age: [AGE] Target retirement age: [AGE] Current income: $[AMOUNT] Current retirement savings: $[AMOUNT] Retirement account types I have: [401k / IRA / Roth / HSA / Taxable] Monthly savings rate: $[AMOUNT] Target lifestyle in retirement: [MONTHLY SPEND] Build: 1. Rough retirement number I need based on the 4% rule 2. Whether I'm on track or behind 3. Account priority order (match → IRA → etc.) 4. Asset allocation appropriate for my age 5. Catch-up strategies if behind 6. Social Security timing considerations 7. 3 biggest risks to my plan Requirements: Conservative assumptions. Flag uncertainty. Recommend seeing a fee-only fiduciary for complex situations.
How to Use This Prompt
- Copy the prompt and replace the bracketed sections with your specific details
- Be as specific as possible — vague input produces vague output
- Paste into ChatGPT or Claude and review the result
- Iterate with follow-ups like 'make it shorter' or 'try a different angle'
Example Output
Retirement number: Based on $60K/yr target spending, you need ~$1.5M (25x rule)...
Tips to Get Better Results
- Give context. The more background you provide, the better the AI response.
- Ask for options. Request 3 versions and pick the strongest one.
- Iterate, don't accept. The first response is rarely the best.
- Edit in your voice. AI output should be a starting point, not the final.