By Retirement Hub · June 2026
How AI is changing retirement — the math, the research, the comparisons
Calculators, head-to-head comparisons, and research syntheses on the four ways AI actually moves your retirement number: forced earlier retirement from labor displacement, lower advisor fees from robo-services, extended longevity from AI-accelerated medicine, and trust-fund solvency from AI productivity. Every number ties to a published source — CBO, SSA, BLS, Goldman Sachs, McKinsey, Acemoglu & Restrepo. Audit the math, don't trust the headline.
Calculators
Run the numbers for your own savings rate, age, and risk band — every model is documented and linked to its source.
AI Displacement Impact on Your Retirement Age — A Sourced Calculator
Estimate how AI-driven labor displacement could move your retirement age. Built on Goldman Sachs (300M FTE exposure), Eloundou et al. (GPTs are GPTs), and BLS occupation data.
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AI-Extended Longevity: What 5–10 Extra Years Adds to Your Retirement Cost
If AI-accelerated medicine adds 5–10 years to your life expectancy, how much more retirement savings do you need? Sourced calculator using SSA life tables and Fidelity 2026 healthcare cost data.
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Robo-Advisor vs Human Advisor — Lifetime Cost Calculator + Published Fee Table
Published fee comparison of robo-advisors (Betterment, Wealthfront, Vanguard PAS, Fidelity Go, Schwab Intelligent) vs traditional 1% AUM advisors. 30-year cost projection on a $500k portfolio.
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Does AI Productivity Save Social Security? A Trust-Fund Solvency Calculator
The 2024 SSA Trustees report puts OASI trust-fund depletion at 2033. AI productivity gains could push that out — or not move the needle. Sourced calculator using CBO + SSA + Goldman productivity growth scenarios.
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Head-to-head comparisons
Robo-advisor vs traditional advisor, broker-vs-broker, LLM-as-planner — side-by-side math, not vibes.
ChatGPT (or Claude) vs Fidelity Advisor — Can an LLM Plan Your Retirement?
Honest comparison of using an LLM as a retirement planner vs paying a Fidelity (or Vanguard / Schwab) human advisor. What LLMs do well, what they can't legally do, and the right way to combine them.
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Fidelity Go vs Schwab Intelligent Portfolios — Broker Robo Head-to-Head
Comparison of the two big-broker robo-advisors: Fidelity Go and Schwab Intelligent Portfolios. Published fees, the cash-drag question, the 2022 SEC settlement, and which one wins for retirement accounts.
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Vanguard PAS vs Betterment vs Wealthfront — Robo-Advisor Head-to-Head (2026)
Side-by-side comparison of the three most-recommended robo-advisors for retirement savers: fees, minimums, human-advisor access, tax-loss harvesting, and 5-year performance from Backend Benchmarking.
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Research articles
Survey papers, working papers, and policy analyses on how AI is reshaping retirement — without the headline-driven panic.
AI and the Future of Social Security — A 2026 Research Survey
Survey of what CBO, SSA, Goldman Sachs, McKinsey, and Bipartisan Policy Center actually say about AI's impact on Social Security solvency. 2033 OASI depletion, productivity scenarios, payroll-cap reform.
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Robo-Advisors vs Traditional Fiduciaries — A 2026 True-Cost Analysis
Honest comparison of robo-advisor vs human fiduciary cost across fees, returns, behavioral coaching, and tax planning. Sourced from Vanguard Advisor's Alpha, Backend Benchmarking Robo Report, and SEC settlements.
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Which Jobs Still Exist at Age 65 in 2040? — A BLS + AI-Exposure Analysis
Sourced analysis using BLS Employment Projections, Eloundou et al. AI exposure scores, and BLS Tenure Survey data on which jobs are most likely to be available — and at what wage band — to workers in their early 60s by 2040.
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More from the Digital Empire network
Sibling sites covering adjacent ground — same publisher, same source-rigor standard.
- AIPromptsHub.co — 40+ free AI prompt + cost calculators for any task
- Salary Hub: AI Impact on Work — sibling research on automation exposure by occupation
- CitedCheck.com — track which AI engines cite your site, weekly
- Digital Dashboard Hub — 266 interactive tools across finance + wellness