Purchase impact on FIRE timeline calculator

Purchase impact on FIRE timeline calculator. Runs the FIRE net-worth simulation twice — with and without a one-time purchase amount deducted at a given year — and reports how many years that purchase delays financial independence, quantifying its true opportunity cost.

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Endpoint

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

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Example input (from the provider)

{
  "body": {
    "currentAnnualIncome": 80000,
    "currentAnnualSpending": 50000,
    "currentNetWorth": 50000,
    "purchaseAmount": 20000,
    "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": {
            "currentAnnualIncome": {
              "description": "Current annual take-home income.",
              "type": "number"
            },
            "currentAnnualSpending": {
              "description": "Current annual spending.",
              "type": "number"
            },
            "currentNetWorth": {
              "description": "Current invested net worth.",
              "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. Default 0.07.",
              "type": "number"
            },
            "purchaseAmount": {
              "description": "One-time purchase amount.",
              "type": "number"
            },
            "purchaseYear": {
              "default": 0,
              "description": "Number of years from now the purchase is made. Default 0.",
              "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": [
            "currentAnnualIncome",
            "currentAnnualSpending",
            "retirementAnnualSpending",
            "currentNetWorth",
            "purchaseAmount"
          ],
          "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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