{"openapi":"3.1.0","info":{"title":"Retire Bridge API","version":"0.1.0","description":"Early-retirement / FIRE calculators: a FIRE-number calculator, a Coast FIRE calculator, a years-to-FI calculator, a derived savings-rate-to-years table, and a glossary — all computed locally, live, from standard compound-growth formulas.\n\nEvery operation is read-only or compute-only. The same tools are available over MCP (streamable HTTP) at https://retirebridge.connectorbay.com/mcp.","contact":{"name":"Unify Dynamics LLC","email":"hr@unifydynamics.com","url":"https://connectorbay.com/retirebridge/docs"},"termsOfService":"https://connectorbay.com/retirebridge/terms"},"servers":[{"url":"https://retirebridge.connectorbay.com"}],"externalDocs":{"url":"https://connectorbay.com/retirebridge/docs"},"security":[{},{"bearer":[]}],"components":{"securitySchemes":{"bearer":{"type":"http","scheme":"bearer","description":"Optional. A Pro API key raises rate limits; no credentials are required."}},"schemas":{"Error":{"type":"object","properties":{"ok":{"const":false},"error":{"type":"object"}}}}},"paths":{"/v1/tools/fire_number_calculator":{"post":{"operationId":"fire_number_calculator","summary":"The portfolio size ('FIRE number') needed to sustain a given annual spending level at a chosen safe","description":"The portfolio size ('FIRE number') needed to sustain a given annual spending level at a chosen safe\n    withdrawal rate — 4% is the classic 25x-annual-expenses rule; any other rate is supported. Use for \"what's\n    my FIRE number on $60,000 a year\", \"FIRE number at a 3.5% withdrawal rate\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"annual_expenses":{"description":"Expected annual spending in retirement.","exclusiveMinimum":0,"title":"Annual Expenses","type":"number"},"withdrawal_rate_pct":{"default":4.0,"description":"Safe withdrawal rate, %. 4.0 is the classic 25x rule.","exclusiveMinimum":0,"maximum":100,"title":"Withdrawal Rate Pct","type":"number"}},"required":["annual_expenses"],"title":"fire_number_calculatorArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/coast_fire_calculator":{"post":{"operationId":"coast_fire_calculator","summary":"Whether current savings ALONE — with no further contributions — will compound into the FIRE number by a","description":"Whether current savings ALONE — with no further contributions — will compound into the FIRE number by a\n    target retirement age ('Coast FIRE'), the projected value either way, and how much extra would be needed\n    today to coast if not yet there. Use for \"am I coast FIRE with $300,000 saved at 35, retiring at 65\",\n    \"how much do I need saved today to coast to FIRE\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"current_savings":{"minimum":0,"title":"Current Savings","type":"number"},"annual_growth_rate_pct":{"description":"Expected annual investment growth rate, %.","title":"Annual Growth Rate Pct","type":"number"},"years_to_retirement":{"description":"Years until the target (traditional) retirement age.","exclusiveMinimum":0,"title":"Years To Retirement","type":"number"},"annual_expenses":{"description":"Expected annual spending in retirement.","exclusiveMinimum":0,"title":"Annual Expenses","type":"number"},"withdrawal_rate_pct":{"default":4.0,"exclusiveMinimum":0,"maximum":100,"title":"Withdrawal Rate Pct","type":"number"}},"required":["current_savings","annual_growth_rate_pct","years_to_retirement","annual_expenses"],"title":"coast_fire_calculatorArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/years_to_fi_calculator":{"post":{"operationId":"years_to_fi_calculator","summary":"Years to financial independence from a single savings rate, real return, and withdrawal rate — derived","description":"Years to financial independence from a single savings rate, real return, and withdrawal rate — derived\n    live from the compound-growth annuity formula, not recited from a table. Use for \"how many years to FI if\n    I save 50% of my income\", \"years to FI at a 60% savings rate and 6% real return\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"savings_rate_pct":{"description":"Share of income saved and invested, %.","exclusiveMinimum":0,"maximum":100,"title":"Savings Rate Pct","type":"number"},"real_return_pct":{"default":5.0,"description":"Expected real (inflation-adjusted) annual investment return, %.","exclusiveMinimum":0,"title":"Real Return Pct","type":"number"},"withdrawal_rate_pct":{"default":4.0,"exclusiveMinimum":0,"maximum":100,"title":"Withdrawal Rate Pct","type":"number"}},"required":["savings_rate_pct"],"title":"years_to_fi_calculatorArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/savings_rate_to_years_table":{"post":{"operationId":"savings_rate_to_years_table","summary":"The full savings-rate-to-years-to-FI relationship, computed (not recited) across a range of savings","description":"The full savings-rate-to-years-to-FI relationship, computed (not recited) across a range of savings\n    rates — reproduces the well-known relationship at the classic 5% real return / 4% withdrawal assumptions.\n    Use for \"show me the savings-rate-to-years-to-FI table\", \"how does saving 70% vs 30% compare for years to\n    FI\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"real_return_pct":{"default":5.0,"exclusiveMinimum":0,"title":"Real Return Pct","type":"number"},"withdrawal_rate_pct":{"default":4.0,"exclusiveMinimum":0,"maximum":100,"title":"Withdrawal Rate Pct","type":"number"},"savings_rates_pct":{"anyOf":[{"items":{"type":"number"},"type":"array"},{"type":"null"}],"default":null,"description":"Custom list of savings-rate percentages; omit for the standard 5-95% table.","title":"Savings Rates Pct"}},"title":"savings_rate_to_years_tableArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/fire_glossary":{"post":{"operationId":"fire_glossary","summary":"Definitions of FIRE terms: FIRE number, safe withdrawal rate, Lean FIRE, Fat FIRE, Barista FIRE, Coast","description":"Definitions of FIRE terms: FIRE number, safe withdrawal rate, Lean FIRE, Fat FIRE, Barista FIRE, Coast\n    FIRE, savings rate, real return, sequence-of-returns risk. Use for \"what's barista FIRE\", \"lean FIRE vs\n    fat FIRE\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"term":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A specific term to look up; omit to list all.","title":"Term"}},"title":"fire_glossaryArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}}}}