{"data":{"name":"com.firenum/fire-planner","title":"firenum retirement planner","description":"When can you retire? A FIRE plan from your numbers, graded by Monte Carlo and every year since 1872.","version":"1.4.2","websiteUrl":"https://firenum.com/developers","repositoryUrl":null,"remotes":[{"type":"streamable-http","url":"https://firenum.com/mcp"}],"packages":[],"status":"active","isLatest":true,"publishedAt":"2026-10-24T20:21:08.673Z","updatedAt":"2026-10-24T20:21:08.673Z","source":"official-registry","verification":"official","confidence":100,"stars":null,"sources":[{"source":"official-registry","sourceId":"com.firenum/fire-planner","verification":"official","confidence":100,"stars":null,"updatedAt":"2026-10-24T20:21:08.673Z","title":"firenum retirement planner","description":"When can you retire? A FIRE plan from your numbers, graded by Monte Carlo and every year since 1872.","websiteUrl":"https://firenum.com/developers","repositoryUrl":null}],"toolIndex":{"tools":[{"serverName":"com.firenum/fire-planner","endpointFingerprint":"00faba8eb7341f1d4ed05f20fc33b7a4c0028d70851441e1a21df3f32d96c1f6","name":"build_retirement_plan","title":"Build a retirement plan","description":"Use when someone asks when they can retire, if their money will last, their FIRE number (the planner shows when\nthey'd reach it), or about Coast, Barista, Lean or Fat FIRE, and gave numbers (age, income, savings, spending,\ndebts). Send what they gave, as said. Returns its answer and plan link.\n\nTurns what someone has said about their money into firenum's answer and their plan in firenum's Fire Planner\n(FIRE: Financial Independence, Retire Early). The answer is the planner's own, as their plan shows it once\nopened: when they can retire with their contributions, growth and inflation, graded three ways (average returns,\n500 Monte Carlo simulations, every historical start year since 1872). For a FIRE number it gives the number and,\nonce it has their age, when they would reach it. All parameters are optional: with too little to grade,\n`missing` says what to ask for.\n\nReply from `answer`. Give the headline with both counts: the headline's date is the first month the money lasts on\naverage returns, and the counts say how often that survives real market swings. When a count is under half, open\nwith that count (\"The money lasts in only N of 500 simulated markets\"), never with yes, even a qualified one (\"on\naverage returns, yes\", \"a risky yes\"): the date works on average but fails in most markets. `coast_number` is\ntheir Coast FIRE number for `coast_age` (what they would need invested today to stop saving). `coast` is the\nplanner's own answer to stopping saving today: whether the money still lasts if they retire on the headline's date\nand, if not, the date that works without more saving. `assumed`, when present, is what the answer took for\nsomething they didn't say: say so in those terms. `missing` is what the planner needs before it can grade\nanything: ask for it and call again. To grade another retirement year, call again with `retire`. Amounts are in\ntheir currency, sums in today's money. `table` is their net worth year by year on each model, with income,\nspending and withdrawals, and `assumptions` is what the answer rests on (the rates, how each model works, how\ntheir numbers were read, what is not modeled): answer follow-ups from them (what they would have at 60, when the\nmoney runs out in a bad market, why a date) without calling again, and say what an answer assumes when it matters.\n\nGive them the returned url exactly as it is: it opens their quick-start with these numbers filled in, then the\nwhole plan (stress tests, a year-by-year table, where the money goes). Without `source=agent` the planner opens it\nas a shared plan that saves nothing. It runs in their browser with no account, and nothing is saved until they\nconfirm: the link then becomes a new plan, \"From a link\", beside any plans they have. The plan keeps the accounts,\nspending lines, debts, pension, Social Security and rental income sent. Salary and side income become one monthly\nincome.\n\nIncome is annual. Expenses and contributions are monthly. Amounts in whole currency units (not cents). Growth and\ninflation are percentages.\n\nTaxes are off by default, in any country: income is take-home pay. For someone in the US who gives income before\ntax, send `taxes=us` (and `state`, a partner, dependents, their Social Security statement figure and a Roth\nconversion strategy when they say them): the planner then computes federal, state and payroll tax every year, and\nthe table gains each year's tax. Amounts are then dollars.\n\nBefore retirement, any spending, debt payments and contributions that income doesn't cover are paid from savings.\nWithout `salary` or `side_income`, and with retirement still ahead, the answer assumes an income that covers\nspending, contributions and debt payments until then (`assumed` says so), and the quick-start asks for it.\n","inputSchema":{"type":"object","properties":{"birth":{"type":"integer","example":1990,"description":"Birth year (YYYY). From an age, send the current year minus the age. Used with retire_age to compute retirement date."},"retire":{"type":"integer","example":2045,"description":"Target retirement year (YYYY). Takes precedence over retire_age."},"retire_age":{"type":"integer","example":55,"description":"Target retirement age. Requires birth to compute retirement year. Ignored if retire is provided."},"currency":{"type":"string","enum":["USD","EUR","GBP","JPY","CAD","AUD","CHF","INR","NZD"],"default":"USD","description":"Display currency. All amounts should be in this currency."},"retirement":{"type":"number","example":200000,"description":"Retirement account balance (401k, IRA, etc). Default growth 7%."},"retirement_contribution":{"type":"number","example":1500,"description":"Monthly retirement account contribution."},"roth":{"type":"number","example":50000,"description":"Roth account balance (Roth IRA, Roth 401k). Default growth 7%."},"roth_contribution":{"type":"number","example":500,"description":"Monthly Roth account contribution."},"brokerage":{"type":"number","example":100000,"description":"Taxable brokerage account balance. Default growth 7%."},"brokerage_contribution":{"type":"number","example":500,"description":"Monthly brokerage contribution."},"savings":{"type":"number","example":20000,"description":"High-yield savings balance. Default growth 4.5%."},"savings_contribution":{"type":"number","example":200,"description":"Monthly savings contribution."},"hsa":{"type":"number","example":15000,"description":"Health Savings Account balance. Default growth 7%."},"hsa_contribution":{"type":"number","example":300,"description":"Monthly HSA contribution."},"cash":{"type":"number","example":5000,"description":"Cash/checking balance. Default growth 0%."},"cash_contribution":{"type":"number","example":0,"description":"Monthly cash contribution."},"real_estate":{"type":"number","example":300000,"description":"Real estate equity. Default growth 4%."},"real_estate_contribution":{"type":"number","example":0,"description":"Monthly real estate contribution (e.g., extra mortgage principal)."},"crypto":{"type":"number","example":10000,"description":"Cryptocurrency balance. Default growth 0%."},"crypto_contribution":{"type":"number","example":100,"description":"Monthly crypto contribution."},"salary":{"type":"number","example":80000,"description":"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."},"side_income":{"type":"number","example":12000,"description":"Annual side hustle / freelance income. Stops at retirement (open-ended if no retirement date is given)."},"part_time_income":{"type":"number","example":18000,"description":"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."},"part_time_until":{"type":"integer","minimum":30,"maximum":100,"example":60,"description":"Age part_time_income stops (needs birth). Omitted or 100 = for life."},"pension":{"type":"number","example":24000,"description":"Annual pension income. Starts at retirement (immediately if no retirement date is given)."},"social_security":{"type":"number","example":20000,"description":"Annual Social Security income. Starts at claim_age when sent with birth; otherwise at the later of retirement and age 67 (uses whichever is known; immediately if neither)."},"rental_income":{"type":"number","example":18000,"description":"Annual rental income."},"expenses":{"type":"number","example":4000,"description":"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."},"housing":{"type":"number","example":1800,"description":"Monthly housing expense (rent/mortgage)."},"healthcare":{"type":"number","example":300,"description":"Monthly healthcare expense."},"food":{"type":"number","example":600,"description":"Monthly food expense."},"transportation":{"type":"number","example":400,"description":"Monthly transportation expense."},"utilities":{"type":"number","example":200,"description":"Monthly utilities expense."},"insurance":{"type":"number","example":300,"description":"Monthly insurance expense."},"discretionary":{"type":"number","example":500,"description":"Monthly discretionary spending."},"debt":{"type":"number","example":25000,"description":"Debt balance."},"debt_rate":{"type":"number","example":5.5,"description":"Debt annual interest rate (percentage)."},"debt_payment":{"type":"number","example":400,"description":"Monthly debt payment."},"debt_name":{"type":"string","example":"Student Loan","description":"Name/label for the debt. Default \"Debt\"."},"target":{"type":"number","example":1200000,"description":"Accepted from older links and ignored. The planner answers with a retirement date, not a target."},"growth":{"type":"number","default":7,"example":6,"description":"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."},"inflation":{"type":"number","default":3,"example":4,"description":"Default inflation rate (percentage). Overrides individual expense defaults."},"taxes":{"type":"string","enum":["us","off"],"default":"off","description":"\"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."},"state":{"type":"string","example":"CA","description":"Two-letter US state code (DC too) for state income tax. Without it, federal tax only."},"partner_birth":{"type":"integer","example":1988,"description":"A partner's birth year (YYYY). The partner retires at the same time. Every account and income line stays the first person's."},"married":{"type":"boolean","default":true,"description":"With a partner, files jointly. false files as two singles."},"dependents":{"type":"array","items":{"type":"integer"},"example":[2015,2018],"description":"Dependents' birth years (child tax credit until 17, ACA household size)."},"pia":{"type":"number","example":2400,"description":"Monthly Social Security benefit at full retirement age, from the SSA statement. The planner computes the benefit for claim_age from it."},"claim_age":{"type":"integer","minimum":62,"maximum":70,"default":67,"description":"Age Social Security is claimed (62-70), for social_security (with birth) or pia."},"roth_conversion":{"type":"string","enum":["none","fill_10","fill_12","fill_22","fill_24","fixed","aca"],"default":"none","description":"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."},"roth_conversion_amount":{"type":"number","example":30000,"description":"Dollars a year, with roth_conversion=fixed."},"roth_conversion_until":{"type":"integer","default":72,"description":"Age the conversions stop."}}},"annotations":{"title":"Build a retirement plan","readOnlyHint":true,"destructiveHint":false,"openWorldHint":false},"definitionHash":"2a43e3fcc2d0396ed155482908cf6b764900123c6e03906f9eba9119f668c132","schemaStatus":"valid","origin":"official-registry","observedAt":"2026-11-03T17:46:17.604Z","metadataTrust":"untrusted"}],"endpoints":[{"endpointFingerprint":"00faba8eb7341f1d4ed05f20fc33b7a4c0028d70851441e1a21df3f32d96c1f6","protocol":"streamable-http","status":"indexed","toolCount":1,"observedAt":"2026-11-03T17:46:17.604Z"}],"authentication":"unknown"},"connectionConfigurations":{"status":"ready","authentication":"not embedded","clients":{"Claude Desktop":{"mcpServers":{"com.firenum/fire-planner":{"url":"https://firenum.com/mcp"}}},"Cursor":{"mcpServers":{"com.firenum/fire-planner":{"url":"https://firenum.com/mcp"}}},"VS Code":{"servers":{"com.firenum/fire-planner":{"type":"http","url":"https://firenum.com/mcp"}}}}},"resourceType":"mcp-server","callable":true,"runtime":{"callable":true,"protocols":["mcp"]},"interfaces":[{"protocol":"mcp","transport":"streamable-http","url":"https://firenum.com/mcp"}],"profile":{"apiVersion":"1","schemaVersion":"1","id":"mcp-server:com.firenum%2Ffire-planner","resourceType":"mcp-server","canonicalUrl":"https://www.agentsjunction.com/api/v1/servers/com.firenum%2Ffire-planner","name":"com.firenum/fire-planner","description":"When can you retire? 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