34trust / 100

Fire Number

by Investing Math in Markets & finance

x402 APIFailing, checked 27 h ago

Financial-independence number from yearly spending and a withdrawal rate, and years to reach it from savings and contributions.

GET
https://invest-math.x402tookit.com/fire-number
Price
$0.02
per call in USDC
Uptime
57.9%
last 30 days
Response time
515 ms
658 ms slowest 5%
Last check
Failed
27 h ago, next any minute now

Run a free test callHow to call it

Reliability

All checks passedSome failedAll failedNot checked

Latest check failed 27 h ago: Expected HTTP 402, got 530

Status and outage history · Atom feed · Watch with other listings

How to call it

GET https://invest-math.x402tookit.com/fire-number

Each call costs $0.02 in USDC on Polygon, paid with the request over x402.

Run a free test callOne unpaid request, the way an agent sends it. You see the payment challenge it gets back. Nothing is charged.

Example request

From the listing.

GET https://invest-math.x402tookit.com/fire-number?annualSpending=40000&currentSavings=100000&realReturnPct=5&withdrawalRatePct=4&yearlyContribution=20000

Parameters

ParameterTypeRequiredDescription
annualSpendingnumberYesYearly spending you want to cover
currentSavingsnumberNoInvested savings today, default 0
realReturnPctnumberNoYearly return after inflation in percent, default 5
withdrawalRatePctnumberNoSafe withdrawal rate in percent, 2 to 10 (default 4)
yearlyContributionnumberNoWhat you add each year, default 0

Example response

The provider's example. We can't check it without paying.

{
  "asOf": "2026-10-11T20:30:28.937Z",
  "currentSavings": 100000,
  "degraded": false,
  "disclaimer": "Screening signal computed from the named public source. Not financial, legal or investment advice; provided as is. Verify at the source before acting.",
  "fireNumber": 1000000,
  "impliedMultiple": 25,
  "monthlySpendingCovered": 3333.3333,
  "notChecked": [
    "whether any withdrawal rate is safe for you: the 4% rule comes from historical US data over 30 years, and longer retirements, other markets and bad early returns can break it",
    "taxes, healthcare, Social Security and changing spending",
    "…2 more"
  ],
  "progressPct": 10,
  "reachable": true,
  "reasons": [
    "Target = spending / withdrawal rate (4% means 25 times spending).",
    "Years = ln((target x r + contribution) / (savings x r + contribution)) / ln(1 + r), contributions at year end, return after inflation."
  ],
  "source": "computed locally",
  "summary": "Covering 40000 a year at a 4% withdrawal rate needs 1000000. From 100000 saving 20000 a year at 5% real return, that takes about 21.1 years.",
  "verdict": "TARGET_AND_TIMELINE",
  "withdrawalRatePct": 4,
  "yearsToTarget": 21.103
}

Call it from code

The curl command shows the payment challenge. The JavaScript and Python versions pay and call, and never pay more than $0.02.

curl: see the payment challenge
# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i 'https://invest-math.x402tookit.com/fire-number?annualSpending=40000&currentSavings=100000&realReturnPct=5&withdrawalRatePct=4&yearlyContribution=20000'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - 'https://invest-math.x402tookit.com/fire-number?annualSpending=40000&currentSavings=100000&realReturnPct=5&withdrawalRatePct=4&yearlyContribution=20000' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode
JavaScript: pay and call
// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.02 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.02" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.02 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Finvest-math.x402tookit.com%2Ffire-number
const res = await pay("https://invest-math.x402tookit.com/fire-number?annualSpending=40000&currentSavings=100000&realReturnPct=5&withdrawalRatePct=4&yearlyContribution=20000");
console.log(res.status, await res.text());
Python: pay and call
# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.02 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.02"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.get("https://invest-math.x402tookit.com/fire-number?annualSpending=40000&currentSavings=100000&realReturnPct=5&withdrawalRatePct=4&yearlyContribution=20000")
    print(res.status_code, res.text)

Security scan

No findings

We scan names, descriptions and tool definitions for hidden instructions and other prompt-injection patterns.

Recent checks

WhenResultHTTPTimePrice
27 h agoExpected HTTP 402, got 53053086 ms-
38 h agoExpected HTTP 402, got 530530150 ms-
2 days agoExpected HTTP 402, got 53053097 ms-
3 days agoPassed402504 ms$0.02
3 days agoExpected HTTP 402, got 530530106 ms-
Show 10 older checks
4 days agoPassed402538 ms$0.02
4 days agoExpected HTTP 402, got 530530153 ms-
4 days agoPassed402501 ms$0.02
5 days agoExpected HTTP 402, got 53053092 ms-
5 days agoPassed402491 ms$0.02
5 days agoExpected HTTP 402, got 530530137 ms-
5 days agoExpected HTTP 402, got 530530185 ms-
5 days agoPassed402540 ms$0.02
6 days agoPassed402526 ms$0.02
6 days agoPassed402658 ms$0.02