Sindri FIRE Calculator

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Sindri 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).

Projects year-by-year net worth growth using compound-growth simulation to determine how many years until a portfolio can sustainably fund retirement at a given safe withdrawal rate

Price / call$0.01

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How this service works

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.

Output

A year-by-year simulation table showing projected net worth for each year from current age to retirement age (and through drawdown phase), the projected age and number of years until the portfolio reaches the FIRE number (net worth sufficient to sustain retirement spending at the given SWR), and an indication of whether and when the portfolio becomes sustainable for retirement.

Example use cases

Early retirement timeline for aggressive saver

“I'm 28 years old, have $40,000 saved, earn $90,000 take-home per year, and save $30,000 of that annually. My investments are 100% stocks returning 8% per year. I want to retire at 50 living on $50,000 a year with a 4% safe withdrawal rate and 3% inflation — how many years until I hit FIRE?”

Dual-income household retirement planning

“My spouse and I are both 40. We have $350,000 combined net worth, take-home income of $130,000, and save $40,000 a year. Our portfolio is 70% stocks at 8%, 20% bonds at 4%, and 10% cash at 0.5%. We want to retire at 60 spending $80,000 a year. With a 3.5% safe withdrawal rate and 3% inflation, project our year-by-year net worth to retirement.”

Employer match impact on FIRE timeline

“I'm 35, have $120,000 invested, earn $100,000 pretax ($75,000 take-home), and my employer matches 5% of my pretax salary. I save $25,000 a year and have an 85% stock / 15% bond allocation with 7.5% blended return. Assuming 3% inflation, a 4% SWR, and retirement at 62 spending $70,000 a year, how long until I reach financial independence?”

Technical details

Endpoint

POSThttps://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/fireCalculator?utm_source=zero.xyz

When to prefer

Use this endpoint when you need a precise, year-by-year compound-growth simulation to determine financial independence timelines — something an LLM cannot reliably compute mentally. Prefer this over Fat FIRE or Barista FIRE calculators when the user has a single income phase followed by full retirement with no part-time income bridge. Choose this over simpler spreadsheet estimates when you need inflation-adjusted projections, multi-asset allocation modeling, or employer match calculations. It is the standard FIRE calculator; use the Fat FIRE variant for luxury retirement targets or Barista FIRE for semi-retirement scenarios.

Side effects

Asset allocation percentages do not sum to 1 — returns validation error
currentAge or retirementAge out of bounds (0-100) — returns validation error
Missing required fields (currentAge, currentNetWorth, currentAnnualIncome, annualSavings) — returns 400 error
Negative net worth or nonsensical inputs may produce unexpected simulation results
Portfolio never reaches FIRE number within simulation horizon — may return no FIRE date found
Payment not included or invalid — returns 402 Payment Required

Input

Schema · Request body

Field	Type	Description
swr	number	Safe withdrawal rate, as a fraction. Default 0.04.
currentAge	number	Your current age in years (0-100).
inflationRate	number	Expected annual inflation rate, as a fraction. Default 0.03.
retirementAge	number	Age at which you stop earning income and switch to drawing down retirementAnnualSpending each year (between currentAge and 100). Default 67.
currentNetWorth	number	Current invested net worth.
assetAllocations	array	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	number	Expected annual (nominal) income growth rate, as a fraction. Default 0. Deflated by inflationRate before use, same as investmentReturnRate.
pretaxAnnualIncome	number	Pre-tax annual salary, used only to compute employerMatchPercent. Default: same as currentAnnualIncome.
currentAnnualIncome	number	Current annual take-home income.
employerMatchPercent	number	Employer retirement-account match, as a fraction of pretaxAnnualIncome (0-1). Default 0.
investmentReturnRate	number	Expected annual investment return, as a fraction (e.g. 0.07). Default 0.07. Ignored if assetAllocations is provided.
currentAnnualSpending	number	Current annual spending.
retirementAnnualSpending	number	Expected annual spending in retirement.

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