firenum retirement planner
Working · 1.4 sWhen can you retire? A FIRE plan from your numbers, graded by Monte Carlo and every year since 1872.
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build_retirement_plan Read-only
Use when someone asks when they can retire, if their money will last, their FIRE number (the planner shows when they'd reach it), or about Coast, Barista, Lean or Fat FIRE, and gave numbers (age, income, savings, spending, debts). Send what they gave, as said. Returns its answer and plan link. Turns what someone has said about their money into firenum's answer and their plan in firenum's Fire Planner (FIRE: Financial Independence, Retire Early). The answer is the planner's own, as their plan shows it once opened: when they can retire with their contributions, growth and inflation, graded three ways (average returns, 500 Monte Carlo simulations, every historical start year since 1872). For a FIRE number it gives the number and, once it has their age, when they would reach it. All parameters are optional: with too little to grade, `missing` says what to ask for. Reply from `answer`. Give the headline with both counts: the headline's date is the first month the money lasts on average returns, and the counts say how often that survives real market swings. When a count is under half, open with that count ("The money lasts in only N of 500 simulated markets"), never with yes, even a qualified one ("on average returns, yes", "a risky yes"): the date works on average but fails in most markets. `coast_number` is their Coast FIRE number for `coast_age` (what they would need invested today to stop saving). `coast` is the planner's own answer to stopping saving today: whether the money still lasts if they retire on the headline's date and, if not, the date that works without more saving. `assumed`, when present, is what the answer took for something they didn't say: say so in those terms. `missing` is what the planner needs before it can grade anything: ask for it and call again. To grade another retirement year, call again with `retire`. Amounts are in their currency, sums in today's money. `table` is their net worth year by year on each model, with income, spending and withdrawals, and `assumptions` is what the answer rests on (the rates, how each model works, how their numbers were read, what is not modeled): answer follow-ups from them (what they would have at 60, when the money runs out in a bad market, why a date) without calling again, and say what an answer assumes when it matters. Give them the returned url exactly as it is: it opens their quick-start with these numbers filled in, then the whole plan (stress tests, a year-by-year table, where the money goes). Without `source=agent` the planner opens it as a shared plan that saves nothing. It runs in their browser with no account, and nothing is saved until they confirm: the link then becomes a new plan, "From a link", beside any plans they have. The plan keeps the accounts, spending lines, debts, pension, Social Security and rental income sent. Salary and side income become one monthly income. Income is annual. Expenses and contributions are monthly. Amounts in whole currency units (not cents). Growth and inflation are percentages. Taxes are off by default, in any country: income is take-home pay. For someone in the US who gives income before tax, send `taxes=us` (and `state`, a partner, dependents, their Social Security statement figure and a Roth conversion strategy when they say them): the planner then computes federal, state and payroll tax every year, and the table gains each year's tax. Amounts are then dollars. Before retirement, any spending, debt payments and contributions that income doesn't cover are paid from savings. Without `salary` or `side_income`, and with retirement still ahead, the answer assumes an income that covers spending, contributions and debt payments until then (`assumed` says so), and the quick-start asks for it.
Health Savings Account balance. Default growth 7%.
Monthly Social Security benefit at full retirement age, from the SSA statement. The planner computes the benefit for claim_age from it.
Cash/checking balance. Default growth 0%.
Debt balance.
Monthly food expense.
Roth account balance (Roth IRA, Roth 401k). Default growth 7%.
Birth year (YYYY). From an age, send the current year minus the age. Used with retire_age to compute retirement date.
Two-letter US state code (DC too) for state income tax. Without it, federal tax only.
"us" computes US federal, state and payroll tax every year (2026 law, carried forward with inflation). Income is then before tax and every amount is in dollars, whatever currency says. "off" (the default, any country) takes income as take-home pay.
Cryptocurrency balance. Default growth 0%.
Default portfolio growth rate (percentage). Retirement, Roth, brokerage and HSA balances follow it as the market rate (randomized in Monte Carlo, historical in backtests); it also overrides the fixed defaults of the other assets.
Target retirement year (YYYY). Takes precedence over retire_age.
Annual gross salary, as they said it (don't subtract tax). Grows 3%/year, stops at retirement (open-ended if no retirement date is given). The planner doesn't deduct taxes; if they gave a tax amount, include it in expenses.
Accepted from older links and ignored. The planner answers with a retirement date, not a target.
Monthly housing expense (rent/mortgage).
With a partner, files jointly. false files as two singles.
Annual pension income. Starts at retirement (immediately if no retirement date is given).
High-yield savings balance. Default growth 4.5%.
Display currency. All amounts should be in this currency.
Total monthly spending. Send this alone, or categories alone. If both are sent, categories count as part of this total and only the remainder becomes "Monthly expenses" (never added on top). Do not repeat the total as a category.
Taxable brokerage account balance. Default growth 7%.
Age Social Security is claimed (62-70), with pia.
Name/label for the debt. Default "Debt".
Debt annual interest rate (percentage).
Default inflation rate (percentage). Overrides individual expense defaults.
Monthly insurance expense.
Monthly utilities expense.
Dependents' birth years (child tax credit until 17, ACA household size).
Monthly healthcare expense.
Target retirement age. Requires birth to compute retirement year. Ignored if retire is provided.
Retirement account balance (401k, IRA, etc). Default growth 7%.
Real estate equity. Default growth 4%.
Annual side hustle / freelance income. Stops at retirement (open-ended if no retirement date is given).
Monthly debt payment.
Monthly discretionary spending.
A partner's birth year (YYYY). The partner retires at the same time. Every account and income line stays the first person's.
Annual rental income.
Monthly transportation expense.
Roth conversion ladder from the first retired year, each December from traditional accounts into Roth. fill_12 converts up to the top of the 12% bracket; fixed converts roth_conversion_amount a year; aca stays under the ACA premium credit's income limit.
Annual Social Security income. Starts at the later of retirement and age 67 (uses whichever is known; immediately if neither).
Monthly HSA contribution.
Annual part-time income in retirement (Barista FIRE). Starts at the retirement date and runs on; with no retirement date given, the plan retires at the earliest date that works with this income.
Monthly cash contribution.
Monthly Roth account contribution.
Monthly crypto contribution.
Monthly savings contribution.
Age the conversions stop.
Monthly brokerage contribution.
Dollars a year, with roth_conversion=fixed.
Monthly retirement account contribution.
Monthly real estate contribution (e.g., extra mortgage principal).