• LEAN
  • STANDARD
  • FAT
  • HUMAN

How to calculate retirement lifestyle targets with your AI

Connect your financial data to your AI client to turn vague retirement goals into hard numbers. Your agent handles the math for different FIRE tiers.

Ask AI about this page

Short answer

How do I figure out my FIRE number?

Your AI uses your current and projected spending to calculate the exact net worth needed for Lean, Standard, or Fat FIRE tiers. You'll get a breakdown of required capital for each lifestyle level.

The outcomes.

Where your targets land.

The AI processes your spending data into these specific outcomes.

LEAN

Lean FIRE targets

The AI calculates the bare minimum capital needed for a frugal lifestyle. You get a baseline number for essential expenses only.

STANDARD

Standard FIRE targets

This provides the net worth required for a comfortable, middle-class retirement. It accounts for regular travel and moderate discretionary spending.

FAT

Fat FIRE targets

The AI determines the capital needed for a high-spending, luxury lifestyle. This covers significant travel, premium housing, and higher buffer amounts.

HUMAN

Manual adjustments

The AI provides the raw math, but you decide if the spending assumptions feel realistic. You must verify these numbers against your actual bank statements.

The workflow

What your AI does when the request arrives.

The AI moves from raw spending data to tiered retirement models.

  1. Analyze spending

    The AI looks at your current outflows to establish a baseline for future needs.

    get_lifestyle_targets

  2. Apply FIRE tiers

    The agent applies different multipliers to your spending to create Lean, Standard, and Fat profiles.

    get_lifestyle_targets

  3. Factor in inflation

    The AI adjusts your future purchasing power based on the inflation rates you provide.

    get_lifestyle_targets

  4. Output targets

    The agent presents a clear list of net worth milestones for each tier.

    get_lifestyle_targets

Try it

Copy these to start.

Use these prompts to kick off the calculation.

Starting points

Swap the bracketed text with your actual monthly spending or specific FIRE tier interest.

FIRE Calculator Connector

You're all set. Choose your MCP client and follow the setup instructions.

Connector linkhttps://edge.vinkius.com/vk_preview_seBCYfQvAVMTO0osoPqhrUEFy5DDG1L1XfXSqqeN/mcp

Claude Desktop

Follow the steps below to connect in seconds.

  1. 1In Claude Desktop, open Settings → Connectors.
  2. 2Click “Add custom connector” and paste the connector link above as the remote MCP server URL.
  3. 3Click Add and start a new chat — FIRE Calculator capabilities are ready to use.
Configuration · claude_desktop_config.jsonCopy
{
  "mcpServers": {
    "fire-calculator-mcp": {
      "url": "https://edge.vinkius.com/vk_preview_seBCYfQvAVMTO0osoPqhrUEFy5DDG1L1XfXSqqeN/mcp"
    }
  }
}
Copy into chat04

  • Calculate my Lean FIRE target based on a monthly spend of $[amount].

  • What is the difference between my Standard and Fat FIRE targets using the FIRE Calculator?

  • Run a Fat FIRE calculation assuming I want to spend $[amount] per month.

  • Show me the net worth requirements for all three FIRE tiers based on my current budget.

  • Claude
  • ChatGPT
  • Cursor
  • VS Code
  • Windsurf
  • Claude Code
  • JetBrains
  • Cline

Start here

Connect FIRE Calculator once, then ask.

One click connects this MCP to your AI client. Your credentials stay encrypted and the math happens directly in your chat interface.

Connect FIRE Calculator to your AI

FAQ

Common questions

  • 01

    Can the AI move money between my bank accounts?

    No. This MCP only reads data to perform calculations. It cannot execute trades or transfers.

  • 02

    Does the AI know my exact current net worth?

    Only if you provide that data in the chat or through a connected data source. It doesn't have autonomous access to your bank accounts.

  • 03

    Can I change my inflation assumptions?

    Yes. You can tell your agent to recalculate everything using a higher or lower inflation rate.

  • 04

    Will the AI save my financial data?

    No. The AI uses the data to answer your prompt, but it doesn't store your personal financial history.

  • 05

    Can it create a full retirement plan?

    It calculates the targets and numbers. You still need to build the actual investment and tax strategy yourself.

  • More questions about FIRE Calculator? The Connector page answers them. See everything the FIRE Calculator Connector can do

Connect FIRE Calculator to Claude, Cursor, ChatGPT & more