Fire Number
by Investing Math in Markets & finance
Financial-independence number from yearly spending and a withdrawal rate, and years to reach it from savings and contributions.
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
Reliability
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¤tSavings=100000&realReturnPct=5&withdrawalRatePct=4&yearlyContribution=20000Parameters
| Parameter | Type | Required | Description |
|---|---|---|---|
annualSpending | number | Yes | Yearly spending you want to cover |
currentSavings | number | No | Invested savings today, default 0 |
realReturnPct | number | No | Yearly return after inflation in percent, default 5 |
withdrawalRatePct | number | No | Safe withdrawal rate in percent, 2 to 10 (default 4) |
yearlyContribution | number | No | What 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¤tSavings=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¤tSavings=100000&realReturnPct=5&withdrawalRatePct=4&yearlyContribution=20000' \
| grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decodeJavaScript: 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¤tSavings=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¤tSavings=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
| When | Result | HTTP | Time | Price |
|---|---|---|---|---|
| 27 h ago | Expected HTTP 402, got 530 | 530 | 86 ms | - |
| 38 h ago | Expected HTTP 402, got 530 | 530 | 150 ms | - |
| 2 days ago | Expected HTTP 402, got 530 | 530 | 97 ms | - |
| 3 days ago | Passed | 402 | 504 ms | $0.02 |
| 3 days ago | Expected HTTP 402, got 530 | 530 | 106 ms | - |
Show 10 older checks
| 4 days ago | Passed | 402 | 538 ms | $0.02 |
| 4 days ago | Expected HTTP 402, got 530 | 530 | 153 ms | - |
| 4 days ago | Passed | 402 | 501 ms | $0.02 |
| 5 days ago | Expected HTTP 402, got 530 | 530 | 92 ms | - |
| 5 days ago | Passed | 402 | 491 ms | $0.02 |
| 5 days ago | Expected HTTP 402, got 530 | 530 | 137 ms | - |
| 5 days ago | Expected HTTP 402, got 530 | 530 | 185 ms | - |
| 5 days ago | Passed | 402 | 540 ms | $0.02 |
| 6 days ago | Passed | 402 | 526 ms | $0.02 |
| 6 days ago | Passed | 402 | 658 ms | $0.02 |