# Sindri FIRE Calculator

> Sindri FIRE Calculator is a paid API for AI agents from x402.outpimp.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).

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

## Facts

- Endpoint: POST https://x402.outpimp.com/fireCalculator
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sindri-fire-calculator-6bfd8951
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_zPvHLps2sK-ovZIdvFqnM

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-6bfd8951 -d '<json body>'
```

Example prompt: I'm 32 years old with $120,000 saved, take home $85,000 a year, save $30,000 of that annually, and plan to retire at 55 spending $60,000 a year — assuming 90% stocks at 8% return and 10% cash at 0.5%, 3% inflation, and a 4% safe withdrawal rate, how many years until I can retire early?

## When to prefer this

Use this endpoint when you need a precise, year-by-year compound-growth simulation for FIRE or retirement planning — especially when multi-asset allocation, employer match, inflation-adjusted income growth, and draw-down phases must all be modeled together. This is preferable to asking an LLM to estimate mentally (unreliable compounding), using a simple savings calculator (no retirement draw-down phase), or a generic spreadsheet (no API integration). Ideal for agents building personal finance dashboards, retirement advisory bots, or FIRE planning tools.

## Known failure modes

- Asset allocation percentages don't sum to 1 — returns validation error
- currentAge exceeds retirementAge — invalid input error
- Missing required fields (currentAge, currentNetWorth, currentAnnualIncome, annualSavings) — 400 error
- SWR too high relative to portfolio growth — simulation shows portfolio depletion
- Numeric overflow for extreme input values
- Payment failure — 402 response if USDC payment not attached

## 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

Returns a year-by-year simulation of net worth growth from current age to the projection end, including the number of years until FIRE is achieved (portfolio reaches the safe withdrawal target), projected portfolio value at retirement age, and draw-down trajectory post-retirement. Indicates whether the portfolio is sustainable through the retirement period given the specified spending and withdrawal rate.

## 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-6bfd8951/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.outpimp.com](https://www.zero.xyz/host/x402.outpimp.com/llms.txt)