Calculators

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FIRE & retirement calculators + a multi-currency portfolio rebalancer (exact buy/sell trades).

Finance & Payments

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calculate_coast_fire

Compute the Coast FIRE milestone — the capital required today such that, with no further contributions, a portfolio compounds to the user's retirement target by their target age.

current_ageinteger, required

current_savingsnumber, required

target_retirement_ageinteger, required

annual_expenses_in_retirementnumber, required

currencystring

inflation_ratenumber

monthly_savingsnumber

expected_return_ratenumber

portfolio_volatilitynumber

safe_withdrawal_ratenumber

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Tools (8)

calculate_coast_fire

Compute the Coast FIRE milestone — the capital required today such that, with no further contributions, a portfolio compounds to the user's retirement target by their target age.

Argument	Type	Description
currency	string
current_age*	integer
inflation_rate	number
current_savings*	number
monthly_savings	number
expected_return_rate	number
portfolio_volatility	number
safe_withdrawal_rate	number
target_retirement_age*	integer
annual_expenses_in_retirement*	number

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "current_age",
    "target_retirement_age",
    "current_savings",
    "annual_expenses_in_retirement"
  ],
  "properties": {
    "currency": {
      "enum": [
        "USD",
        "EUR",
        "GBP",
        "CHF",
        "JPY",
        "CAD",
        "AUD",
        "DKK"
      ],
      "type": "string",
      "default": "USD"
    },
    "current_age": {
      "type": "integer",
      "maximum": 80,
      "minimum": 18
    },
    "inflation_rate": {
      "type": "number",
      "default": 3,
      "maximum": 30,
      "minimum": 0
    },
    "current_savings": {
      "type": "number",
      "minimum": 0
    },
    "monthly_savings": {
      "type": "number",
      "default": 0,
      "minimum": 0
    },
    "expected_return_rate": {
      "type": "number",
      "default": 7,
      "maximum": 30,
      "minimum": 0
    },
    "portfolio_volatility": {
      "type": "number",
      "default": 0,
      "maximum": 50,
      "minimum": 0
    },
    "safe_withdrawal_rate": {
      "type": "number",
      "default": 4,
      "maximum": 10,
      "minimum": 1
    },
    "target_retirement_age": {
      "type": "integer",
      "maximum": 100,
      "minimum": 30
    },
    "annual_expenses_in_retirement": {
      "type": "number",
      "minimum": 1
    }
  }
}

calculate_fire_target

Estimate the savings target needed for Financial Independence / Early Retirement. Runs Monte Carlo simulation and returns the probability the portfolio survives the planning horizon.

Argument	Type	Description
years*	integer	Planning horizon in years.
currency	string
annual_expense*	number	Projected annual spending in retirement (in selected currency).
inflation_rate	number
apply_inflation	boolean
current_savings	number	Current liquid + invested assets.
portfolio_volatility	number	Annual return standard deviation %.
portfolio_return_rate	number	Expected real annual return %.

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "annual_expense",
    "years"
  ],
  "properties": {
    "years": {
      "type": "integer",
      "maximum": 100,
      "minimum": 1,
      "description": "Planning horizon in years."
    },
    "currency": {
      "enum": [
        "USD",
        "EUR",
        "GBP",
        "CHF",
        "JPY",
        "CAD",
        "AUD",
        "DKK"
      ],
      "type": "string",
      "default": "USD"
    },
    "annual_expense": {
      "type": "number",
      "maximum": 100000000,
      "minimum": 0,
      "description": "Projected annual spending in retirement (in selected currency)."
    },
    "inflation_rate": {
      "type": "number",
      "default": 3,
      "maximum": 30,
      "minimum": 0
    },
    "apply_inflation": {
      "type": "boolean",
      "default": true
    },
    "current_savings": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Current liquid + invested assets."
    },
    "portfolio_volatility": {
      "type": "number",
      "default": 12,
      "maximum": 50,
      "minimum": 0,
      "description": "Annual return standard deviation %."
    },
    "portfolio_return_rate": {
      "type": "number",
      "default": 5,
      "maximum": 30,
      "minimum": 0,
      "description": "Expected real annual return %."
    }
  }
}

compute_swiss_property_tax

Estimate the Swiss cantonal real-estate capital gains tax (Grundstückgewinnsteuer) for a property sale. Covers all 26 cantons with holding-period adjustments and Ersatzbeschaffung (replacement-residence) deferral. Educational estimate; commune surcharges and value-enhancing-improvement deductions are not modeled.

Argument	Type	Description
canton*	string	Canton code (ZH, BE, ..., JU).
sale_price*	number
years_held*	number
purchase_price*	number
ersatzbeschaffung	boolean	Reinvest proceeds into a replacement primary residence.
ersatzbeschaffung_amount	number	Amount reinvested (caps the tax deferral).

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "canton",
    "sale_price",
    "purchase_price",
    "years_held"
  ],
  "properties": {
    "canton": {
      "enum": [
        "ZH",
        "BE",
        "LU",
        "UR",
        "SZ",
        "OW",
        "NW",
        "GL",
        "ZG",
        "FR",
        "SO",
        "BS",
        "BL",
        "SH",
        "AR",
        "AI",
        "SG",
        "GR",
        "AG",
        "TG",
        "TI",
        "VD",
        "VS",
        "NE",
        "GE",
        "JU"
      ],
      "type": "string",
      "description": "Canton code (ZH, BE, ..., JU)."
    },
    "sale_price": {
      "type": "number",
      "minimum": 0
    },
    "years_held": {
      "type": "number",
      "minimum": 0
    },
    "purchase_price": {
      "type": "number",
      "minimum": 0
    },
    "ersatzbeschaffung": {
      "type": "boolean",
      "default": false,
      "description": "Reinvest proceeds into a replacement primary residence."
    },
    "ersatzbeschaffung_amount": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Amount reinvested (caps the tax deferral)."
    }
  }
}

get_portfolio_returns

Return RetireCrunch's historical portfolio return profiles for a currency. Each profile is a (return %, volatility %) pair derived from real index data — useful for grounding the assumptions in calculate_fire_target / project_wealth_plan in something defensible rather than guessing.

Argument	Type	Description
currency*	string	Currency code; the historical return profiles are denominated in this currency.

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "currency"
  ],
  "properties": {
    "currency": {
      "enum": [
        "USD",
        "EUR",
        "GBP",
        "CHF",
        "JPY",
        "CAD",
        "AUD",
        "DKK"
      ],
      "type": "string",
      "description": "Currency code; the historical return profiles are denominated in this currency."
    }
  }
}

get_rebalance_plan

Fetch the rebalancing trades the user decided on in the RetireCrunch Rebalancer, from the plan code they copied ("Send plan to my AI"). Codes work once, for 15 minutes. Returns the trades with IBKR contract ids where known. To act on them, create one IBKR order instruction per trade (create_order_instruction); the user reviews and submits each one inside IBKR. RetireCrunch never places orders.

Argument	Type	Description
code*	string	The plan code the user copied from the RetireCrunch Rebalancer ("Send plan to my AI").

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "code"
  ],
  "properties": {
    "code": {
      "type": "string",
      "maxLength": 200,
      "minLength": 33,
      "description": "The plan code the user copied from the RetireCrunch Rebalancer (\"Send plan to my AI\")."
    }
  }
}

load_portfolio

Open the user's Interactive Brokers portfolio in the RetireCrunch Portfolio Rebalancer. First call the IBKR connector's get_account_positions, get_account_balances and get_account_summary, then pass their results here UNCHANGED (do not re-type or round numbers). Returns a private link that works once, for 15 minutes — give it to the user exactly as written. No login is needed because the link itself is the key: the positions are encrypted with a key that exists only in the link, and RetireCrunch's server holds just that encrypted copy, which it cannot read, for at most 15 minutes and deletes it when the link is opened. Tell the user this, and that anyone holding the link can open it once, so it should not be shared. RetireCrunch does not recommend instruments or allocations: the user sets their own targets on the page.

Argument	Type	Description
summary	object	The result of IBKR get_account_summary, unchanged (base currency + net liquidation, used to check the numbers add up).
balances	array	The `balances` array from IBKR get_account_balances, unchanged (gives per-currency cash).
language	string	Site language for the link, matching the user's language when possible.
positions*	array	The `positions` array from IBKR get_account_positions, unchanged.

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "positions"
  ],
  "properties": {
    "summary": {
      "type": "object",
      "properties": {
        "currency": {
          "type": "string"
        },
        "net_liquidation": {
          "type": "number"
        }
      },
      "description": "The result of IBKR get_account_summary, unchanged (base currency + net liquidation, used to check the numbers add up).",
      "additionalProperties": {}
    },
    "balances": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "currency",
          "cash_balance"
        ],
        "properties": {
          "currency": {
            "type": "string",
            "description": "ISO code, or \"BASE\" for the base-currency roll-up."
          },
          "cash_balance": {
            "type": "number"
          },
          "exchange_rate": {
            "type": "number"
          },
          "net_liquidation_value": {
            "type": "number"
          }
        },
        "additionalProperties": {}
      },
      "maxItems": 100,
      "description": "The `balances` array from IBKR get_account_balances, unchanged (gives per-currency cash)."
    },
    "language": {
      "enum": [
        "en",
        "es",
        "fr",
        "pt-BR",
        "de",
        "ja",
        "it"
      ],
      "type": "string",
      "default": "en",
      "description": "Site language for the link, matching the user's language when possible."
    },
    "positions": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "position",
          "market_price",
          "market_value",
          "currency"
        ],
        "properties": {
          "currency": {
            "type": "string",
            "maxLength": 3,
            "minLength": 3
          },
          "position": {
            "type": "number",
            "description": "Units held (negative = short)."
          },
          "asset_class": {
            "type": "string",
            "description": "STK, OPT, FUT, BOND, FUND …"
          },
          "contract_id": {
            "type": "integer",
            "maximum": 9007199254740991,
            "minimum": -9007199254740991,
            "description": "IBKR contract id (conid)."
          },
          "market_price": {
            "type": "number",
            "description": "Price per unit (per share for options)."
          },
          "market_value": {
            "type": "number",
            "description": "Market value in the position currency."
          },
          "average_price": {
            "type": "number"
          },
          "contract_description": {
            "type": "string",
            "description": "e.g. \"GOOG\" or \"NVDA Jun17'27 110 PUT @AMEX\"."
          }
        },
        "additionalProperties": {}
      },
      "maxItems": 1000,
      "description": "The `positions` array from IBKR get_account_positions, unchanged."
    }
  }
}

project_wealth_plan

Run RetireCrunch's full year-by-year Wealth Plan projection for a household. Models earned income, pensions, expenses, portfolio growth, optional growth→income phase switch, mortgage amortization, optional property sale, and region-aware tax (US uses 2026 federal+state brackets; other regions use a flat rate). Returns a compact summary with 5-year milestones by default, or the full annual array when yearly_detail=true.

Argument	Type	Description
region	string	Country regime — drives tax model (US uses bracket-based federal/state; others a flat rate).
currency	string
start_year*	integer	First year of the projection (typically the current year).
yearly_detail	boolean	When true, include the full year-by-year array in the response. When false (default), return a compact summary plus 5-year milestones.
household_type	string
inflation_rate	number	Annual inflation %.
retirement_year*	integer	Year retirement begins.
current_mortgage	number

rebalance_portfolio

Rebalance a multi-currency portfolio: given holdings, per-holding (or per-asset-class) target weights, cash and FX rates, return the exact BUY/SELL trades to reach the targets, the per-currency cash movements (flagging foreign-cash overdrafts), and a summary. Planning math only — no transaction costs or taxes.

Argument	Type	Description
fx_rates	object	Value of 1 unit of each currency in the base currency (base currency itself is 1).
holdings*	array	The portfolio holdings to rebalance.
base_currency	string	Base currency the portfolio is valued in.
class_targets	object	Optional per-asset-class goal % (incl. "Cash"). When given, unlocked holdings are retargeted to hit each class goal before computing trades.
available_cash	object	Cash held per currency, keyed by ISO code.

Input schema (JSON)

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "holdings"
  ],
  "properties": {
    "fx_rates": {
      "type": "object",
      "default": {},
      "description": "Value of 1 unit of each currency in the base currency (base currency itself is 1).",
      "propertyNames": {
        "type": "string"
      },
      "additionalProperties": {
        "type": "number",
        "exclusiveMinimum": 0
      }
    },
    "holdings": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "symbol",
          "quantity",
          "price",
          "currency",
          "target_pct"
        ],
        "properties": {
          "name": {
            "type": "string",
            "description": "Human-readable instrument name."
          },
          "price": {
            "type": "number",
            "minimum": 0,
            "description": "Current price per unit, in the holding currency."
          },
          "locked": {
            "type": "boolean",
            "default": false,
            "description": "Pin to current weight — never traded."
          },
          "symbol": {
            "type": "string",
            "description": "Ticker symbol."
          },
          "currency": {
            "type": "string",
            "description": "ISO currency code the instrument trades in (e.g. \"USD\")."
          },
          "quantity": {
            "type": "number",
            "description": "Units/shares held."
          },
          "cost_basis": {
            "type": "number",
            "default": 0,
            "minimum": 0,
            "description": "Average acquisition price per unit (for P/L only)."
          },
          "risk_level": {
            "type": "string",
            "default": "Medium",
            "description": "Low, Medium or High."
          },
          "target_pct": {
            "type": "number",
            "maximum": 100,
            "minimum": 0,
            "description": "Target weight as % of the whole portfolio (incl. cash)."
          },
          "asset_class": {
            "type": "string",
            "default": "Equity",
            "description": "Equity, Bond, Cash, Real estate, Commodity, Alternative, Crypto or Other."
          }
        }
      },
      "minItems": 1,
      "description": "The portfolio holdings to rebalance."
    },
    "base_currency": {
      "type": "string",
      "default": "USD",
      "description": "Base currency the portfolio is valued in."
    },
    "class_targets": {
      "type": "object",
      "description": "Optional per-asset-class goal % (incl. \"Cash\"). When given, unlocked holdings are retargeted to hit each class goal before computing trades.",
      "propertyNames": {
        "type": "string"
      },
      "additionalProperties": {
        "type": "number",
        "maximum": 100,
        "minimum": 0
      }
    },
    "available_cash": {
      "type": "object",
      "default": {},
      "description": "Cash held per currency, keyed by ISO code.",
      "propertyNames": {
        "type": "string"
      },
      "additionalProperties": {
        "type": "number"
      }
    }
  }
}

{ "type": "object", "$schema": "http://json-schema.org/draft-07/schema#", "required": [ "start_year", "retirement_year" ], "properties": { "region": { "enum": [ "US", "CH", "GB", "EU", "JP", "GENERIC" ], "type": "string", "default": "GENERIC", "description": "Country regime — drives tax model (US uses bracket-based federal/state; others a flat rate)." }, "currency": { "enum": [ "USD", "EUR", "GBP", "CHF", "JPY", "CAD", "AUD", "DKK" ], "type": "string", "default": "USD" }, "start_year": { "type": "integer", "maximum": 2200, "minimum": 1900, "description": "First year of the projection (typically the current year)." }, "yearly_detail": { "type": "boolean", "default": false, "description": "When true, include the full year-by-year array in the response. When false (default), return a compact summary plus 5-year milestones." }, "household_type": { "enum": [ "single", "couple" ], "type": "string", "default": "single" }, "inflation_rate": { "type": "number", "default": 2, "maximum": 20, "minimum": 0, "description": "Annual inflation %." }, "retirement_year": { "type": "integer", "maximum": 2200, "minimum": 1900, "description": "Year retirement begins." }, "current_mortgage": { "type": "number", "default": 0, "minimum": 0 }, "current_property": { "type": "number", "default": 0, "minimum": 0 }, "current_liquidity": { "type": "number", "default": 0, "minimum": 0 }, "income_yield_rate": { "type": "number", "default": 3.5, "maximum": 20, "minimum": 0, "description": "Annual yield % during the income phase." }, "estimated_tax_rate": { "type": "number", "default": 20, "maximum": 60, "minimum": 0, "description": "Pre-retirement effective tax rate (%)." }, "plan_horizon_years": { "type": "integer", "default": 50, "maximum": 80, "minimum": 1, "description": "Total years to project from start_year." }, "property_sale_year": { "type": "integer", "maximum": 2200, "minimum": 1900 }, "current_living_costs": { "type": "number", "default": 0, "minimum": 0, "description": "Annual general living expenses today." }, "portfolio_volatility": { "type": "number", "default": 0, "maximum": 50, "minimum": 0, "description": "Return std dev %; 0 = deterministic." }, "current_earned_income": { "type": "number", "default": 0, "minimum": 0, "description": "Annual gross earned income today." }, "portfolio_return_rate": { "type": "number", "default": 5, "maximum": 30, "minimum": 0, "description": "Annual real portfolio return %." }, "portfolio_switch_year": { "type": "integer", "maximum": 2200, "minimum": 1900, "description": "Year to switch from growth to income phase. Defaults to retirement_year if omitted." }, "property_sale_enabled": { "type": "boolean", "default": false }, "current_other_expenses": { "type": "number", "default": 0, "minimum": 0, "description": "Annual other expenses today." }, "current_housing_expenses": { "type": "number", "default": 0, "minimum": 0, "description": "Annual housing expenses today." }, "portfolio_switch_enabled": { "type": "boolean", "default": true }, "post_retirement_tax_rate": { "type": "number", "default": 10, "maximum": 60, "minimum": 0, "description": "Post-retirement effective tax rate (%)." }, "property_sale_destination": { "enum": [ "liquidity", "investmentPortfolio" ], "type": "string", "default": "liquidity" }, "current_investment_portfolio": { "type": "number", "default": 0, "minimum": 0 }, "partner_survivor_expense_factor": { "type": "number", "default": 0.7, "maximum": 1, "minimum": 0.3 }, "partner_early_death_years_before_end": { "type": "integer", "default": 5, "maximum": 10, "minimum": 0 } } }