# Sindri Fat FIRE Calculator

> Sindri Fat FIRE Calculator is a paid API for AI agents from ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-02).

Simulates year-by-year compound net worth growth to project when a user can retire at a higher, lifestyle-preserving spending target using the Fat FIRE framework.

## Facts

- Endpoint: POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/fatFireCalculator?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-02
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sindri-fat-fire-calculator-5ff82d2d
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_qmXkLp7kve5cmgVIVGi9Z

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability sindri-fat-fire-calculator-5ff82d2d -d '<json body>'
```

Example prompt: I'm 35, have $400,000 invested, take home $180,000 a year, currently spend $90,000 a year, and want to retire spending $200,000 a year. Assuming 7% investment returns, 3% inflation, and a 4% safe withdrawal rate, run a Fat FIRE simulation and tell me when I can retire.

## When to prefer this

Use this endpoint when the user's target retirement spending is significantly higher than their current spending and exceeds what a standard FIRE calculator is framed for — typically $100k+ annually. Prefer over the standard FIRE calculator when the user explicitly wants a lifestyle-preserving or luxury retirement target. Prefer over the Barista FIRE calculator when the user plans to fully stop working rather than shift to part-time income.

## Known failure modes

- Missing required fields (currentAge, currentNetWorth, currentAnnualIncome, currentAnnualSpending, retirementAnnualSpending) returns a validation error
- Retirement spending target lower than or equal to current spending may behave unexpectedly or mirror standard FIRE output
- Unrealistic return rates (e.g. 0 or negative) may produce infinite or no retirement date
- If savings rate is negative (spending exceeds income), simulation may never converge
- Network or Lambda cold-start timeout on rare occasions

## How this service works

Fat FIRE calculator. Same year-by-year compound-growth simulation as the standard FIRE calculator, framed for a higher, more lifestyle-preserving retirement spending target.

## Output

Returns a year-by-year projection of net worth growth showing when the user's invested assets reach the Fat FIRE number (retirement spending target divided by safe withdrawal rate), including the projected retirement age and number of years to reach Fat FIRE given current savings rate and investment return assumptions.

## Request schema (JSON Schema)

```json
{
 "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."
  },
  "inflationRate": {
   "type": "number",
   "default": 0.03,
   "description": "Expected annual inflation rate, as a fraction. Default 0.03."
  },
  "currentNetWorth": {
   "type": "number",
   "description": "Current invested net worth."
  },
  "currentAnnualIncome": {
   "type": "number",
   "description": "Current annual take-home income."
  },
  "investmentReturnRate": {
   "type": "number",
   "default": 0.07,
   "description": "Expected annual investment return, as a fraction. Default 0.07."
  },
  "currentAnnualSpending": {
   "type": "number",
   "description": "Current annual spending."
  },
  "retirementAnnualSpending": {
   "type": "number",
   "description": "Target (higher) annual spending in retirement."
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/sindri-fat-fire-calculator-5ff82d2d/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws](https://www.zero.xyz/host/ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/llms.txt)