What do I need to use FIRE Number?

Current invested savings; Monthly contribution; Target annual spend in retirement; Return and withdrawal assumptions.

Is FIRE Number free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

FIRE Number

Q: How do I know the FIRE Number output is good?

The skill verifies itself against its own quality checks: Every assumption is labeled at point of use, not in a footnote; The sensitivity grid appears — never a single years-to-target alone; Real-vs-nominal is explicit and consistent; Sequence-of-returns risk is named.

🔵 Stable🕐 updated 2026-10-06 🔷 SkillSpec L3 ⚙ ships an executable helper pm-calculators

Compute a financial-independence (FIRE) target and years-to-reach with every assumption labeled as an assumption — plus a sensitivity table instead of a single false-precision answer. Use when asked what's my FIRE number, when can I retire early, how much do I need to be financially independent, or model my savings trajectory. Produces the FIRE number, years-to-target at stated assumptions, a return × withdrawal-rate sensitivity grid, and the honest list of what the model ignores.

▶ Run it free — no key needed 📝 Grade your existing draft ⬇ Add to Claude (works in Duet) 📱 Use as an app View SKILL.md ↗ What changed

🗣 Say this to your agent

“What's my FIRE number?”“Can I retire early?”“How much do I need to be financially independent?”“Model my savings trajectory.”

What to give it

▸Current invested savings — invested — not home equity, not emergency cash

▸Monthly contribution — realistic, not aspirational — ask which

▸Target annual spend in retirement — today's dollars; if unknown, current spend is the honest starting guess, labeled

▸Return and withdrawal assumptions — defaults: 5% real, 4% withdrawal — both labeled as defaults

✅ The bar it holds itself to

Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.

✓Every assumption is labeled at point of use, not in a footnote

✓The sensitivity grid appears — never a single years-to-target alone

✓Real-vs-nominal is explicit and consistent

✓Sequence-of-returns risk is named

✓The disclaimer line appears in the artifact

⚠️ What it refuses to do

Do not output a retirement *date* — output a range with its drivers

Do not stack inflation adjustments on a real return, or skip them on a nominal one

Do not treat 4% as physics — it's a parameter the grid varies

Do not count home equity or emergency funds in invested savings without flagging it

Do not present the model's output without its assumptions

Install

npx pm-claude-skills add --agent claude   # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y -p pm-claude-skills pm-claude-skills-mcp

Start with

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="fire-number"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

FIRE Number is one of 1326 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog