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.
10000 (raw units)
price
3
calls / 30d
1
unique payers
2026-08-30
updated
Provider
x402.outpimp.com · discovered, not yet claimed by its owner
Payment (x402 accepts[])
[
{
"scheme": "exact",
"network": "eip155:8453",
"payTo": "0x548eFd4f4d4A5C3669dbb4CBB2B1A637FeeEc5F6",
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"amount": "10000",
"maxTimeoutSeconds": 300
},
{
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"payTo": "APer2AbhckyMWyJanW2MZ2eRLcpL9Lmhks8rkmXfqjRG",
"asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
"amount": "10000",
"maxTimeoutSeconds": 300
}
]Output schema
{
"bazaar": {
"info": {
"input": {
"body": {
"currentAge": 30,
"currentAnnualIncome": 80000,
"currentAnnualSpending": 50000,
"currentNetWorth": 200000,
"retirementAnnualSpending": 40000
},
"bodyType": "json",
"method": "POST",
"type": "http"
},
"output": {
"example": {
"data": {
"fireNumber": 1000000,
"netWorthTrajectory": [
{
"netWorth": 200000,
"year": 0
}
],
"params": {
"currentAge": 30,
"currentAnnualIncome": 80000,
"currentAnnualSpending": 50000,
"currentNetWorth": 200000,
"employerMatchPercent": 0,
"incomeGrowthRate": 0,
"inflationRate": 0.03,
"investmentReturnRate": 0.07,
"pretaxAnnualIncome": 80000,
"retirementAge": 67,
"retirementAnnualSpending": 40000,
"swr": 0.04
},
"projectedAge": 57,
"yearsToFI": 27
},
"ok": true
},
"type": "json"
}
},
"schema": {
"$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"
}
},
"builder-code": {
"info": {
"a": "x402_api_vendor",
"s": [
"cdp_sdk_server"
]
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false,
"properties": {
"a": {
"description": "App builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"s": {
"description": "Service builder codes",
"items": {
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
},
"maxItems": 11,
"type": "array"
},
"w": {
"description": "Wallet builder code",
"pattern": "^[a-z0-9_]{1,32}$",
"type": "string"
}
},
"type": "object"
}
},
"eip2612GasSponsoring": {},
"erc20ApprovalGasSponsoring": {}
}Use it
curl
curl "https://x402.outpimp.com/fireCalculator" # -> 402 Payment Required, accepts[] lists how to pay # retry with a PAYMENT-SIGNATURE (or PAYMENT header) once paid
JavaScript
const res = await fetch("https://x402.outpimp.com/fireCalculator");
if (res.status === 402) {
const { accepts } = await res.json();
// pay one of accepts[] via an x402 client, then retry with the payment header
}Python
import httpx
res = httpx.get("https://x402.outpimp.com/fireCalculator")
if res.status_code == 402:
accepts = res.json()["accepts"]
# pay one of accepts[] via an x402 client, then retry with the payment headerMachine-readable
Everything on this page is also available as clean JSON at /resources/8411.json, and this resource appears in /discovery/resources and /discovery/search.