FN
FIRE Number
🔵 Stable🕐 updated 2026-07-14
🔷 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.
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 pm-claude-skills-mcpRelated 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 630 open-source professional AI agent skills — all SkillSpec L3.
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