FIRE (Financial Independence, Retire Early) calculator

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.

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Endpoint

POST https://x402.outpimp.com/fireCalculator

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Example input (from the provider)

{
  "body": {
    "currentAge": 30,
    "currentAnnualIncome": 80000,
    "currentAnnualSpending": 50000,
    "currentNetWorth": 200000,
    "retirementAnnualSpending": 40000
  },
  "bodyType": "json",
  "method": "POST",
  "type": "http"
}

Promised output schema (from the provider)

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "properties": {
    "input": {
      "additionalProperties": false,
      "properties": {
        "body": {
          "properties": {
            "assetAllocations": {
              "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.",
              "items": {
                "properties": {
                  "name": {
                    "description": "Label for this asset class (e.g. \"Stocks\", \"Bonds\", \"Cash\", \"Other\"). Required.",
                    "type": "string"
                  },
                  "percent": {
                    "description": "Fraction of the portfolio in this asset class (0-1).",
                    "type": "number"
                  },
                  "returnRate": {
                    "description": "Expected annual return for this asset class, as a fraction.",
                    "type": "number"
                  }
                },
                "required": [
                  "name",
                  "percent",
                  "returnRate"
                ],
                "type": "object"
              },
              "type": "array"
            },
            "currentAge": {
              "description": "Your current age in years (0-100).",
              "type": "number"
            },
            "currentAnnualIncome": {
              "description": "Current annual take-home income.",
              "type": "number"
            },
            "currentAnnualSpending": {
              "description": "Current annual spending.",
              "type": "number"
            },
            "currentNetWorth": {
              "description": "Current invested net worth.",
              "type": "number"
            },
            "employerMatchPercent": {
              "default": 0,
              "description": "Employer retirement-account match, as a fraction of pretaxAnnualIncome (0-1). Default 0.",
              "type": "number"
            },
            "incomeGrowthRate": {
              "default": 0,
              "description": "Expected annual (nominal) income growth rate, as a fraction. Default 0. Deflated by inflationRate before use, same as investmentReturnRate.",
              "type": "number"
            },
            "inflationRate": {
              "default": 0.03,
              "description": "Expected annual inflation rate, as a fraction. Default 0.03.",
              "type": "number"
            },
            "investmentReturnRate": {
              "default": 0.07,
              "description": "Expected annual investment return, as a fraction (e.g. 0.07). Default 0.07. Ignored if assetAllocations is provided.",
              "type": "number"
            },
            "pretaxAnnualIncome": {
              "description": "Pre-tax annual salary, used only to compute employerMatchPercent. Default: same as currentAnnualIncome.",
              "type": "number"
            },
            "retirementAge": {
              "default": 67,
              "description": "Age at which you stop earning income and switch to drawing down retirementAnnualSpending each year (between currentAge and 100). Default 67.",
              "type": "number"
            },
            "retirementAnnualSpending": {
              "description": "Expected annual spending in retirement.",
              "type": "number"
            },
            "swr": {
              "default": 0.04,
              "description": "Safe withdrawal rate, as a fraction. Default 0.04.",
              "type": "number"
            }
          },
          "required": [
            "currentAge",
            "currentAnnualIncome",
            "currentAnnualSpending",
            "retirementAnnualSpending",
            "currentNetWorth"
          ],
          "type": "object"
        },
        "bodyType": {
          "enum": [
            "json",
            "form-data",
            "text"
          ],
          "type": "string"
        },
        "method": {
          "enum": [
            "POST"
          ],
          "type": "string"
        },
        "type": {
          "const": "http",
          "type": "string"
        }
      },
      "required": [
        "type",
        "method",
        "bodyType",
        "body"
      ],
      "type": "object"
    },
    "output": {
      "properties": {
        "example": {
          "type": "object"
        },
        "type": {
          "type": "string"
        }
      },
      "required": [
        "type"
      ],
      "type": "object"
    }
  },
  "required": [
    "input"
  ],
  "type": "object"
}

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