{"uid":"cap_zPvHLps2sK-ovZIdvFqnM","slug":"sindri-fire-calculator-6bfd8951","name":"Sindri FIRE Calculator","description":"FIRE (Financial Independence, Retire Early) calculator. Projects year-by-year net worth growth to determine how many years until your portfolio can sustainably fund retirement spending at a given safe withdrawal rate — precise compound-growth simulation an LLM cannot reliably run mentally. incomeGrowthRate is deflated by inflationRate internally. Past retirementAge the simulation draws down retirementAnnualSpending with no further income.","url":"https://x402.outpimp.com/fireCalculator","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"swr":{"type":"number","default":0.04,"description":"Safe withdrawal rate, as a fraction. Default 0.04."},"currentAge":{"type":"number","description":"Your current age in years (0-100)."},"inflationRate":{"type":"number","default":0.03,"description":"Expected annual inflation rate, as a fraction. Default 0.03."},"retirementAge":{"type":"number","default":67,"description":"Age at which you stop earning income and switch to drawing down retirementAnnualSpending each year (between currentAge and 100). Default 67."},"currentNetWorth":{"type":"number","description":"Current invested net worth."},"assetAllocations":{"type":"array","items":{"type":"object","required":["name","percent","returnRate"],"properties":{"name":{"type":"string","description":"Label for this asset class (e.g. \"Stocks\", \"Bonds\", \"Cash\", \"Other\"). Required."},"percent":{"type":"number","description":"Fraction of the portfolio in this asset class (0-1)."},"returnRate":{"type":"number","description":"Expected annual return for this asset class, as a fraction."}}},"description":"Optional multi-asset breakdown, e.g. [{name:\"Stocks\",percent:0.9,returnRate:0.08},{name:\"Cash\",percent:0.1,returnRate:0.005}] for a 90% stocks / 10% cash portfolio. Percentages must sum to 1 (within 1%). When provided, the weighted-average return replaces investmentReturnRate."},"incomeGrowthRate":{"type":"number","default":0,"description":"Expected annual (nominal) income growth rate, as a fraction. Default 0. Deflated by inflationRate before use, same as investmentReturnRate."},"pretaxAnnualIncome":{"type":"number","description":"Pre-tax annual salary, used only to compute employerMatchPercent. Default: same as currentAnnualIncome."},"currentAnnualIncome":{"type":"number","description":"Current annual take-home income."},"employerMatchPercent":{"type":"number","default":0,"description":"Employer retirement-account match, as a fraction of pretaxAnnualIncome (0-1). Default 0."},"investmentReturnRate":{"type":"number","default":0.07,"description":"Expected annual investment return, as a fraction (e.g. 0.07). Default 0.07. Ignored if assetAllocations is provided."},"currentAnnualSpending":{"type":"number","description":"Current annual spending."},"retirementAnnualSpending":{"type":"number","description":"Expected annual spending in retirement."}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_LxRJCfBOEkJsq03tYUM9g","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Projects year-by-year net worth growth via compound simulation to determine how many years until a portfolio can sustainably fund retirement at a given safe withdrawal rate","exampleAgentPrompt":"I'm 32 years old with $120,000 saved, take home $85,000 a year, save $30,000 of that annually, and plan to retire at 55 spending $60,000 a year — assuming 90% stocks at 8% return and 10% cash at 0.5%, 3% inflation, and a 4% safe withdrawal rate, how many years until I can retire early?","exampleUseCases":[{"title":"Early retirement timeline for aggressive saver","prompt":"I'm 28 years old, have $80,000 invested right now, take home $95,000 a year and save $40,000 of it, plan to retire at 45 spending $55,000 a year, 100% stocks at 8% annual return, 3% inflation, 4% safe withdrawal rate — how many years until I hit FIRE?"},{"title":"Traditional retirement projection with employer match","prompt":"I'm 45 with $400,000 in my portfolio, earn $120,000 pre-tax and $85,000 take-home, save $25,000 a year, my employer matches 5% of my pre-tax salary, I want to retire at 67 spending $70,000 a year with a 3.5% withdrawal rate, 80% stocks at 7% and 20% bonds at 3%, and 3% inflation — run the year-by-year projection for me."},{"title":"Conservative portfolio FIRE feasibility check","prompt":"Can you check if I can retire at 55 given I'm 35 now, have $250,000 saved, bring home $75,000 and save $20,000 a year, want to spend $50,000 annually in retirement, with a 60/40 stocks-bonds split at 7% and 3% returns respectively, 4% safe withdrawal rate and 3% inflation?"}],"resultDescription":"Returns a year-by-year simulation of net worth growth from current age to the projection end, including the number of years until FIRE is achieved (portfolio reaches the safe withdrawal target), projected portfolio value at retirement age, and draw-down trajectory post-retirement. Indicates whether the portfolio is sustainable through the retirement period given the specified spending and withdrawal rate.","failureModes":["Asset allocation percentages don't sum to 1 — returns validation error","currentAge exceeds retirementAge — invalid input error","Missing required fields (currentAge, currentNetWorth, currentAnnualIncome, annualSavings) — 400 error","SWR too high relative to portfolio growth — simulation shows portfolio depletion","Numeric overflow for extreme input values","Payment failure — 402 response if USDC payment not attached"],"whenToPreferThis":"Use this endpoint when you need a precise, year-by-year compound-growth simulation for FIRE or retirement planning — especially when multi-asset allocation, employer match, inflation-adjusted income growth, and draw-down phases must all be modeled together. This is preferable to asking an LLM to estimate mentally (unreliable compounding), using a simple savings calculator (no retirement draw-down phase), or a generic spreadsheet (no API integration). Ideal for agents building personal finance dashboards, retirement advisory bots, or FIRE planning tools.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T18:48:29.426Z","isFirstParty":false}