calculators

Estimate the savings target needed for Financial Independence / Early Retirement. Runs Monte Carlo simulation and returns the probability the portfolio survives the planning horizon.

{
  "type": "object",
  "properties": {
    "annual_expense": {
      "type": "number",
      "minimum": 0,
      "maximum": 100000000,
      "description": "Projected annual spending in retirement (in selected currency)."
    },
    "years": {
      "type": "integer",
      "minimum": 1,
      "maximum": 100,
      "description": "Planning horizon in years."
    },
    "current_savings": {
      "type": "number",
      "minimum": 0,
      "default": 0,
      "description": "Current liquid + invested assets."
    },
    "currency": {
      "type": "string",
      "enum": [
        "USD",
        "EUR",
        "GBP",
        "CHF",
        "JPY",
        "CAD",
        "AUD",
        "DKK"
      ],
      "default": "USD"
    },
    "portfolio_return_rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "default": 5,
      "description": "Expected real annual return %."
    },
    "portfolio_volatility": {
      "type": "number",
      "minimum": 0,
      "maximum": 50,
      "default": 12,
      "description": "Annual return standard deviation %."
    },
    "apply_inflation": {
      "type": "boolean",
      "default": true
    },
    "inflation_rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "default": 3
    }
  },
  "required": [
    "annual_expense",
    "years"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Compute the Coast FIRE milestone — the capital required today such that, with no further contributions, a portfolio compounds to the user's retirement target by their target age.

{
  "type": "object",
  "properties": {
    "current_age": {
      "type": "integer",
      "minimum": 18,
      "maximum": 80
    },
    "target_retirement_age": {
      "type": "integer",
      "minimum": 30,
      "maximum": 100
    },
    "current_savings": {
      "type": "number",
      "minimum": 0
    },
    "annual_expenses_in_retirement": {
      "type": "number",
      "minimum": 1
    },
    "currency": {
      "type": "string",
      "enum": [
        "USD",
        "EUR",
        "GBP",
        "CHF",
        "JPY",
        "CAD",
        "AUD",
        "DKK"
      ],
      "default": "USD"
    },
    "expected_return_rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "default": 7
    },
    "inflation_rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "default": 3
    },
    "safe_withdrawal_rate": {
      "type": "number",
      "minimum": 1,
      "maximum": 10,
      "default": 4
    },
    "monthly_savings": {
      "type": "number",
      "minimum": 0,
      "default": 0
    },
    "portfolio_volatility": {
      "type": "number",
      "minimum": 0,
      "maximum": 50,
      "default": 0
    }
  },
  "required": [
    "current_age",
    "target_retirement_age",
    "current_savings",
    "annual_expenses_in_retirement"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Estimate the Swiss cantonal real-estate capital gains tax (Grundstückgewinnsteuer) for a property sale. Covers all 26 cantons with holding-period adjustments and Ersatzbeschaffung (replacement-residence) deferral. Educational estimate; commune surcharges and value-enhancing-improvement deductions are not modeled.

{
  "type": "object",
  "properties": {
    "canton": {
      "type": "string",
      "enum": [
        "ZH",
        "BE",
        "LU",
        "UR",
        "SZ",
        "OW",
        "NW",
        "GL",
        "ZG",
        "FR",
        "SO",
        "BS",
        "BL",
        "SH",
        "AR",
        "AI",
        "SG",
        "GR",
        "AG",
        "TG",
        "TI",
        "VD",
        "VS",
        "NE",
        "GE",
        "JU"
      ],
      "description": "Canton code (ZH, BE, ..., JU)."
    },
    "sale_price": {
      "type": "number",
      "minimum": 0
    },
    "purchase_price": {
      "type": "number",
      "minimum": 0
    },
    "years_held": {
      "type": "number",
      "minimum": 0
    },
    "ersatzbeschaffung": {
      "type": "boolean",
      "default": false,
      "description": "Reinvest proceeds into a replacement primary residence."
    },
    "ersatzbeschaffung_amount": {
      "type": "number",
      "minimum": 0,
      "default": 0,
      "description": "Amount reinvested (caps the tax deferral)."
    }
  },
  "required": [
    "canton",
    "sale_price",
    "purchase_price",
    "years_held"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Run RetireCrunch's full year-by-year Wealth Plan projection for a household. Models earned income, pensions, expenses, portfolio growth, optional growth→income phase switch, mortgage amortization, optional property sale, and region-aware tax (US uses 2026 federal+state brackets; other regions use a flat rate). Returns a compact summary with 5-year milestones by default, or the full annual array when yearly_detail=true.

{
  "type": "object",
  "properties": {
    "region": {
      "type": "string",
      "enum": [
        "US",
        "CH",
        "GB",
        "EU",
        "JP",
        "GENERIC"
      ],
      "default": "GENERIC",
      "description": "Country regime — drives tax model (US uses bracket-based federal/state; others a flat rate)."
    },
    "currency": {
      "type": "string",
      "enum": [
        "USD",
        "EUR",
        "GBP",
        "CHF",
        "JPY",
        "CAD",
        "AUD",
        "DKK"
      ],
      "default": "USD"
    },
    "start_year": {
      "type": "integer",
      "minimum": 1900,
      "maximum": 2200,
      "description": "First year of the projection (typically the current year)."
    },
    "retirement_year": {
      "type": "integer",
      "minimum": 1900,
      "maximum": 2200,
      "description": "Year retirement begins."
    },
    "plan_horizon_years": {
      "type": "integer",
      "minimum": 1,
      "maximum": 80,
      "default": 50,
      "description": "Total years to project from start_year."
    },
    "current_earned_income": {
      "type": "number",
      "minimum": 0,
      "default": 0,
      "description": "Annual gross earned income today."
    },
    "current_living_costs": {
      "type": "number",
      "minimum": 0,
      "default": 0,
      "description": "Annual general living expenses today."
    },
    "current_housing_expenses": {
      "type": "number",
      "minimum": 0,
      "default": 0,
      "description": "Annual housing expenses today."
    },
    "current_other_expenses": {
      "type": "number",
      "minimum": 0,
      "default": 0,
      "description": "Annual other expenses today."
    },
    "estimated_tax_rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 60,
      "default": 20,
      "description": "Pre-retirement effective tax rate (%)."
    },
    "post_retirement_tax_rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 60,
      "default": 10,
      "description": "Post-retirement effective tax rate (%)."
    },
    "current_liquidity": {
      "type": "number",
      "minimum": 0,
      "default": 0
    },
    "current_investment_portfolio": {
      "type": "number",
      "minimum": 0,
      "default": 0
    },
    "current_property": {
      "type": "number",
      "minimum": 0,
      "default": 0
    },
    "current_mortgage": {
      "type": "number",
      "minimum": 0,
      "default": 0
    },
    "inflation_rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 20,
      "default": 2,
      "description": "Annual inflation %."
    },
    "portfolio_return_rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 30,
      "default": 5,
      "description": "Annual real portfolio return %."
    },
    "portfolio_volatility": {
      "type": "number",
      "minimum": 0,
      "maximum": 50,
      "default": 0,
      "description": "Return std dev %; 0 = deterministic."
    },
    "portfolio_switch_enabled": {
      "type": "boolean",
      "default": true
    },
    "portfolio_switch_year": {
      "type": "integer",
      "minimum": 1900,
      "maximum": 2200,
      "description": "Year to switch from growth to income phase. Defaults to retirement_year if omitted."
    },
    "income_yield_rate": {
      "type": "number",
      "minimum": 0,
      "maximum": 20,
      "default": 3.5,
      "description": "Annual yield % during the income phase."
    },
    "household_type": {
      "type": "string",
      "enum": [
        "single",
        "couple"
      ],
      "default": "single"
    },
    "partner_early_death_years_before_end": {
      "type": "integer",
      "minimum": 0,
      "maximum": 10,
      "default": 5
    },
    "partner_survivor_expense_factor": {
      "type": "number",
      "minimum": 0.3,
      "maximum": 1,
      "default": 0.7
    },
    "property_sale_enabled": {
      "type": "boolean",
      "default": false
    },
    "property_sale_year": {
      "type": "integer",
      "minimum": 1900,
      "maximum": 2200
    },
    "property_sale_destination": {
      "type": "string",
      "enum": [
        "liquidity",
        "investmentPortfolio"
      ],
      "default": "liquidity"
    },
    "yearly_detail": {
      "type": "boolean",
      "default": false,
      "description": "When true, include the full year-by-year array in the response. When false (default), return a compact summary plus 5-year milestones."
    }
  },
  "required": [
    "start_year",
    "retirement_year"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Return RetireCrunch's historical portfolio return profiles for a currency. Each profile is a (return %, volatility %) pair derived from real index data — useful for grounding the assumptions in calculate_fire_target / project_wealth_plan in something defensible rather than guessing.

{
  "type": "object",
  "properties": {
    "currency": {
      "type": "string",
      "enum": [
        "USD",
        "EUR",
        "GBP",
        "CHF",
        "JPY",
        "CAD",
        "AUD",
        "DKK"
      ],
      "description": "Currency code; the historical return profiles are denominated in this currency."
    }
  },
  "required": [
    "currency"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Rebalance a multi-currency portfolio: given holdings, per-holding (or per-asset-class) target weights, cash and FX rates, return the exact BUY/SELL trades to reach the targets, the per-currency cash movements (flagging foreign-cash overdrafts), and a summary. Planning math only — no transaction costs or taxes.

{
  "type": "object",
  "properties": {
    "base_currency": {
      "type": "string",
      "default": "USD",
      "description": "Base currency the portfolio is valued in."
    },
    "fx_rates": {
      "type": "object",
      "additionalProperties": {
        "type": "number",
        "exclusiveMinimum": 0
      },
      "default": {},
      "description": "Value of 1 unit of each currency in the base currency (base currency itself is 1)."
    },
    "available_cash": {
      "type": "object",
      "additionalProperties": {
        "type": "number"
      },
      "default": {},
      "description": "Cash held per currency, keyed by ISO code."
    },
    "holdings": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "symbol": {
            "type": "string",
            "description": "Ticker symbol."
          },
          "name": {
            "type": "string",
            "description": "Human-readable instrument name."
          },
          "quantity": {
            "type": "number",
            "description": "Units/shares held."
          },
          "price": {
            "type": "number",
            "minimum": 0,
            "description": "Current price per unit, in the holding currency."
          },
          "cost_basis": {
            "type": "number",
            "minimum": 0,
            "default": 0,
            "description": "Average acquisition price per unit (for P/L only)."
          },
          "currency": {
            "type": "string",
            "description": "ISO currency code the instrument trades in (e.g. \"USD\")."
          },
          "asset_class": {
            "type": "string",
            "default": "Equity",
            "description": "Equity, Bond, Cash, Real estate, Commodity, Alternative, Crypto or Other."
          },
          "risk_level": {
            "type": "string",
            "default": "Medium",
            "description": "Low, Medium or High."
          },
          "target_pct": {
            "type": "number",
            "minimum": 0,
            "maximum": 100,
            "description": "Target weight as % of the whole portfolio (incl. cash)."
          },
          "locked": {
            "type": "boolean",
            "default": false,
            "description": "Pin to current weight — never traded."
          }
        },
        "required": [
          "symbol",
          "quantity",
          "price",
          "currency",
          "target_pct"
        ],
        "additionalProperties": false
      },
      "minItems": 1,
      "description": "The portfolio holdings to rebalance."
    },
    "class_targets": {
      "type": "object",
      "additionalProperties": {
        "type": "number",
        "minimum": 0,
        "maximum": 100
      },
      "description": "Optional per-asset-class goal % (incl. \"Cash\"). When given, unlocked holdings are retargeted to hit each class goal before computing trades."
    }
  },
  "required": [
    "holdings"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Open the user's Interactive Brokers portfolio in the RetireCrunch Portfolio Rebalancer. First call the IBKR connector's get_account_positions, get_account_balances and get_account_summary, then pass their results here UNCHANGED (do not re-type or round numbers). Returns a private link that works once, for 15 minutes — give it to the user exactly as written. No login is needed because the link itself is the key: the positions are encrypted with a key that exists only in the link, and RetireCrunch's server holds just that encrypted copy, which it cannot read, for at most 15 minutes and deletes it when the link is opened. Tell the user this, and that anyone holding the link can open it once, so it should not be shared. RetireCrunch does not recommend instruments or allocations: the user sets their own targets on the page.

{
  "type": "object",
  "properties": {
    "positions": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "contract_id": {
            "type": "integer",
            "description": "IBKR contract id (conid)."
          },
          "contract_description": {
            "type": "string",
            "description": "e.g. \"GOOG\" or \"NVDA Jun17'27 110 PUT @AMEX\"."
          },
          "position": {
            "type": "number",
            "description": "Units held (negative = short)."
          },
          "market_price": {
            "type": "number",
            "description": "Price per unit (per share for options)."
          },
          "market_value": {
            "type": "number",
            "description": "Market value in the position currency."
          },
          "currency": {
            "type": "string",
            "minLength": 3,
            "maxLength": 3
          },
          "average_price": {
            "type": "number"
          },
          "asset_class": {
            "type": "string",
            "description": "STK, OPT, FUT, BOND, FUND …"
          }
        },
        "required": [
          "position",
          "market_price",
          "market_value",
          "currency"
        ],
        "additionalProperties": true
      },
      "maxItems": 1000,
      "description": "The `positions` array from IBKR get_account_positions, unchanged."
    },
    "balances": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "currency": {
            "type": "string",
            "description": "ISO code, or \"BASE\" for the base-currency roll-up."
          },
          "cash_balance": {
            "type": "number"
          },
          "exchange_rate": {
            "type": "number"
          },
          "net_liquidation_value": {
            "type": "number"
          }
        },
        "required": [
          "currency",
          "cash_balance"
        ],
        "additionalProperties": true
      },
      "maxItems": 100,
      "description": "The `balances` array from IBKR get_account_balances, unchanged (gives per-currency cash)."
    },
    "summary": {
      "type": "object",
      "properties": {
        "currency": {
          "type": "string"
        },
        "net_liquidation": {
          "type": "number"
        }
      },
      "additionalProperties": true,
      "description": "The result of IBKR get_account_summary, unchanged (base currency + net liquidation, used to check the numbers add up)."
    },
    "language": {
      "type": "string",
      "enum": [
        "en",
        "es",
        "fr",
        "pt-BR",
        "de",
        "ja",
        "it"
      ],
      "default": "en",
      "description": "Site language for the link, matching the user's language when possible."
    }
  },
  "required": [
    "positions"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Fetch the rebalancing trades the user decided on in the RetireCrunch Rebalancer, from the plan code they copied ("Send plan to my AI"). Codes work once, for 15 minutes. Returns the trades with IBKR contract ids where known. To act on them, create one IBKR order instruction per trade (create_order_instruction); the user reviews and submits each one inside IBKR. RetireCrunch never places orders.

{
  "type": "object",
  "properties": {
    "code": {
      "type": "string",
      "minLength": 33,
      "maxLength": 200,
      "description": "The plan code the user copied from the RetireCrunch Rebalancer (\"Send plan to my AI\")."
    }
  },
  "required": [
    "code"
  ],
  "additionalProperties": false,
  "$schema": "http://json-schema.org/draft-07/schema#"
}