一名Hacker News用户与AI助手Claude协作开发了一款开源财务独立提前退休（FIRE）规划工具1。该工具通过逐年财务模拟，帮助用户在当前薪资水平下计算需要工作多久才能实现休闲生活、财务独立或完全退休1。
工具的核心功能包括三个主要目标场景：退休至零余额、在60岁前实现休闲、以及确保资产在100岁后不缩水1。模型模拟跨度至112岁，采用实际美元计算，并内置401(k)、Roth和529等账户类型，默认状态下均已启用1。工具采用1.1倍的安全系数，不采用蒙特卡洛模拟，而是采用确定性回报方式1。此外，该工具预设了旧金山、奥斯汀等城市的配置方案，同时支持用户自定义规划参数1。该工具不纳入社会保障因素的计算1。项目已包含约190个pytest测试用例1。
A new open-source financial planning tool designed to help users calculate their path to financial independence has been showcased on Hacker News.1 Developed through collaboration between a user and the AI assistant Claude, the tool enables individuals to determine how long they need to work at their current salary to reach various milestones, including the ability to coast financially, achieve complete financial independence, or retire entirely.1
The calculator employs a deterministic model that projects finances through age 112 in actual dollar amounts, incorporating multiple retirement account types including 401(k), Roth IRA, and 529 education savings accounts, which are enabled by default.1 The tool applies a safety factor of 1.1x and does not include Social Security benefits in its calculations, intentionally taking a conservative approach.1 Users can model different scenarios such as relocating to different cities like San Francisco or Austin, accounting for a partner's income, adjusting for tax changes, and customizing their own financial plans.1 The system supports three distinct financial goals: retiring with a zero balance, achieving financial flexibility before age 60, and maintaining assets beyond age 100.1
The implementation includes approximately 190 pytest test cases to ensure reliability.1 Rather than employing Monte Carlo simulations, the tool uses deterministic return calculations for its projections.1
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