FIRE Agent
Your personal coach to achieve Financial Independence and Retire Early.
Built on Bill Bengen's updated 4.7% Rule research. Handles both accumulation and retirement scenarios.
How It Works
1. Gather Your Numbers
The agent collects key financial inputs through a guided conversation:
- Age, Income & Expenses
- Current Investments (liquid only)
- Home Equity (tracked, excluded)
- Inheritance & One-time Inflows
2. Multiple Scenarios
Based on Bill Bengen's updated research with multiple strategies:
- Standard: 4.7% for 30-year horizons.
- Early Retirement: 4.1% for 50+ years.
- Decumulation: Multi-scenario runway analysis.
3. Your FIRE Roadmap
Receive your personalized FIRE Roadmap with full transparency:
- Exact FIRE Number & Target Year
- CoastFIRE Status Check
- Portfolio Runway (if retiring)
- Inheritance & Expense Impact
Grounded in Research
The agent's logic is based on the updated research from Bill Bengen, the creator of the 4% Rule.
A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More
by Bill Bengen (Creator of the 4% Rule)
"Every time I went to a more diversified portfolio, it increased the withdrawal rate. The last time it went from 4.5 to 4.7."
Note: This agent is under continuous development. Data, methodologies, and results are subject to change.
Legal Disclaimer
Important Disclaimer: For Educational and Informational Purposes Only.
The information and retirement projections and scenarios provided by this tool, including any analysis, commentary, or potential scenarios, are generated by an AI model and are for educational and informational purposes only. They do not constitute, and should not be interpreted as, financial advice, investment recommendations, endorsements, or offers to buy or sell any securities or other financial instruments.
LongtermTrends and its affiliates make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the information provided. Any reliance you place on such information is therefore strictly at your own risk.
This is not an offer to buy or sell any security. Investment decisions should not be made based solely on the information provided here. Financial markets are subject to risks, and past performance is not indicative of future results. You should conduct your own thorough research and consult with a qualified independent financial advisor before making any investment decisions.
By using this tool and reviewing these strategies, you acknowledge that you understand this disclaimer and agree that LongtermTrends and its affiliates are not liable for any losses or damages arising from your use of or reliance on this information.
FIRE Agent
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