{"slug":"fire-number","name":"FIRE Number","category":"fortune","tags":["planning","growing","earning"],"tagline":"The portfolio that makes work optional, and how far away it is.","endpoint":"https://xearno.tools/api/v1/tools/fire-number","page":"https://xearno.tools/t/fire-number","description":"Computes your financial-independence target from annual spending and a safe withdrawal rate, then projects how many years your current savings and monthly contributions take to reach it.","inputSchema":{"type":"object","properties":{"expenses":{"description":"Annual spending","type":"number","minimum":1,"default":40000},"swr":{"description":"Withdrawal rate (%) The classic \"4% rule\". Lower is safer.","type":"number","minimum":1,"maximum":10,"default":4},"current":{"description":"Current portfolio","type":"number","minimum":0,"default":50000},"monthly":{"description":"Monthly investing","type":"number","minimum":0,"default":1500},"rate":{"description":"Expected annual return (%)","type":"number","minimum":-20,"maximum":50,"default":7}},"required":[],"additionalProperties":false},"methodology":["Target = annual spending ÷ withdrawal rate. At 4% that is 25× spending; at 3.5%, ~28.6×.","Time-to-target iterates monthly compounding of the current portfolio plus contributions until the target is crossed (capped at 100 years).","The withdrawal-rate evidence base (Trinity study and successors) is US-market, 30-year-horizon data. Different markets, longer retirements, and today’s valuations are all reasons to be more conservative, not less."],"usage":"POST https://xearno.tools/api/v1/tools/fire-number with a JSON body matching inputSchema."}