# Sindri FIRE Calculator

> 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

## Facts

- Endpoint: POST https://ppu43fkyhimq5fiqpmo42eh5ri0yypid.lambda-url.us-east-1.on.aws/fireCalculator?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-fire-calculator-21f5eb2e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_5nKlgdRyoAEj88la_Cmjb

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-fire-calculator-21f5eb2e -d '<json body>'
```

Example prompt: I'm 32 years old with $85,000 in savings and a take-home income of $75,000 a year — I save $24,000 annually. My portfolio is 90% stocks at 8% return and 10% cash at 0.5% return. I want to retire at 55 spending $60,000 a year. Using a 4% safe withdrawal rate and 3% inflation, how many years until I reach FIRE?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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 (0-100)."
  },
  "inflationRate": {
   "type": "number",
   "default": 0.03,
   "description": "Expected annual inflation rate, as a fraction. Default 0.03."
  },
  "retirementAge": {
   "type": "number",
   "default": 67,
   "description": "Age at which you stop earning income and switch to drawing down retirementAnnualSpending each year (between currentAge and 100). Default 67."
  },
  "currentNetWorth": {
   "type": "number",
   "description": "Current invested net worth."
  },
  "assetAllocations": {
   "type": "array",
   "items": {
    "type": "object",
    "required": [
     "name",
     "percent",
     "returnRate"
    ],
    "properties": {
     "name": {
      "type": "string",
      "description": "Label for this asset class (e.g. \"Stocks\", \"Bonds\", \"Cash\", \"Other\"). Required."
     },
     "percent": {
      "type": "number",
      "description": "Fraction of the portfolio in this asset class (0-1)."
     },
     "returnRate": {
      "type": "number",
      "description": "Expected annual return for this asset class, as a fraction."
     }
    }
   },
   "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."
  },
  "incomeGrowthRate": {
   "type": "number",
   "default": 0,
   "description": "Expected annual (nominal) income growth rate, as a fraction. Default 0. Deflated by inflationRate before use, same as investmentReturnRate."
  },
  "pretaxAnnualIncome": {
   "type": "number",
   "description": "Pre-tax annual salary, used only to compute employerMatchPercent. Default: same as currentAnnualIncome."
  },
  "currentAnnualIncome": {
   "type": "number",
   "description": "Current annual take-home income."
  },
  "employerMatchPercent": {
   "type": "number",
   "default": 0,
   "description": "Employer retirement-account match, as a fraction of pretaxAnnualIncome (0-1). Default 0."
  },
  "investmentReturnRate": {
   "type": "number",
   "default": 0.07,
   "description": "Expected annual investment return, as a fraction (e.g. 0.07). Default 0.07. I
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/sindri-fire-calculator-21f5eb2e/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)