Agent skill

Fire Number

by mohitagw15856 in mohitagw15856/pm-claude-skills

Compute a financial-independence (FIRE) target and years-to-reach with every assumption labeled as an assumption — plus a sensitivity table instead of a single false-precision answer.

MITAuto-check passed

Install Fire Number

skills CLI
$ npx skills add mohitagw15856/pm-claude-skills --skill fire-number -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install mohitagw15856/pm-claude-skills fire-number --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/fire-number .claude/skills/fire-number && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
fire-number
GitHub stars
1.4k
Token cost
~1.1k tokens
SKILL.md length
514 words
Files
3 (incl. scripts, references)
Skills in repo
1,348
Repo updated
First seen
Licence
MIT

At a glance

Compute a financial-independence (FIRE) target and years-to-reach with every assumption labeled as an assumption — plus a sensitivity table instead of a single false-precision answer.

  • Asked whats my FIRE number
  • SKILL.md covers What This Skill Produces, Required Inputs, Programmatic Helper and Framework: The Honesty Rules, plus 8 more sections
  • Runs Python scripts from its folder; calls python3
  • Can I retire early

What it does

Fire Number is an agent skill from mohitagw15856/pm-claude-skills. Compute a financial-independence (FIRE) target and years-to-reach with every assumption labeled as an assumption — plus a sensitivity table instead of a single false-precision answer. Use when asked what's my FIRE number, when can I retire early, how much do I need to be financially independent, or model my savings trajectory. Produces the FIRE number, years-to-target at stated assumptions, a return × withdrawal-rate sensitivity grid, and the honest list of what the model ignores.

Its SKILL.md is about 1.1k tokens, which your agent loads only when the skill is triggered. The skill folder holds 4 other files, including scripts and reference files (for example `references/worked-example.md` and `scripts/fire_number.py`).

The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.

When your agent uses it

  • Asked whats my FIRE number
  • Can I retire early
  • How much do I need to be financially independent
  • Model my savings trajectory

Example prompts

  • “/fire-number”

Requirements

  • Python 3

What it can do on your machine

Read from SKILL.md and the folder at commit 1cbf1f0. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    Ships 1 file in scripts/ (Python), which the agent can run.

    Shell commands in SKILL.md call:

    • python3

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names no API keys, tokens, secrets or passwords.

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Fire Number loads about 1.1k tokens when it runs, and up to ~1.8k if it reads all its reference files. Until then it costs about 124 tokens; SKILL.md has 514 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~124
When it runs · the whole SKILL.md, loaded when a task matches
~1.1k
With references · SKILL.md plus every file in references/, read only if the agent opens them
~1.8k

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); the scripts in this folder are not scanned.

SKILL.md

The full file from mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 514 words, ~1,075 tokens.

Download SKILL.mdSave it as .claude/skills/fire-number/SKILL.md (or your agent's skills folder). This skill also uses 2 other files; get the full folder from GitHub.
name
fire-number
description
Compute a financial-independence (FIRE) target and years-to-reach with every assumption labeled as an assumption — plus a sensitivity table instead of a single false-precision answer. Use when asked what's my FIRE number, when can I retire early, how much do I need to be financially independent, or model my savings trajectory. Produces the FIRE number, years-to-target at stated assumptions, a return × withdrawal-rate sensitivity grid, and the honest list of what the model ignores.

FIRE Number Skill

Every FIRE calculation is three assumptions wearing a number's clothing: a withdrawal rate, a real return, and the pretense that returns arrive in a convenient order. This skill does the math properly and refuses the false precision — the deliverable is a surface of outcomes with the assumptions labeled, not a single date to organize a life around.

What This Skill Produces

  • The FIRE number — annual spend ÷ withdrawal rate, with the withdrawal rate named as the choice it is
  • Years to target — at stated savings, contributions, and real return
  • The sensitivity grid — years-to-target across return (3/5/7%) × withdrawal rate (3/3.5/4%)
  • The ignored-risks list — sequence-of-returns, taxes, spending drift — stated, not buried

Required Inputs

Ask for these if not provided:

  • Current invested savings (invested — not home equity, not emergency cash)
  • Monthly contribution (realistic, not aspirational — ask which)
  • Target annual spend in retirement (today's dollars; if unknown, current spend is the honest starting guess, labeled)
  • Return and withdrawal assumptions (defaults: 5% real, 4% withdrawal — both labeled as defaults)

Programmatic Helper

bash
python3 scripts/fire_number.py --savings 120000 --monthly 3000 --spend 60000
python3 scripts/fire_number.py --savings 120000 --monthly 3000 --spend 60000 --return 5 --wr 4 --json

Deterministic monthly compounding at a constant real return (inflation already removed — never stack an inflation adjustment on top). The script prints the sensitivity grid and its own not-modeled list.

Framework: The Honesty Rules

  • The 4% rule is a study, not a law — one country, one era, 30-year horizons; early retirees have longer horizons, which is why the grid includes 3% and 3.5%
  • Sequence risk is unmodeled and largest near the finish — a crash in year 1 of retirement ≠ a crash in year 20; say this every time
  • Real vs nominal discipline — everything here is in today's dollars; mixing in nominal market returns (~+3%) silently is the classic error
  • A range is the deliverable — "17–24 years depending on returns" is honest; "August 2043" is astrology with a spreadsheet

Output Format


FIRE Analysis: [name/scenario]

The Number and the Path

[Script output: FIRE number, years at base assumptions, sensitivity grid]

Show full SKILL.md (199 more words)Show less

Reading the Grid

[Two sentences: the realistic range, and which assumption the user's plan is most hostage to.]

What This Model Ignores

Sequence-of-returns risk (largest near the target date) · taxes · spending drift · [anything scenario-specific].

The One Lever

[Of spend, contribution, and return: which change moves the date most for THIS user — usually spend, since it hits both sides.]

Educational model, not financial advice — verify with a licensed professional before acting on it.


Quality Checks

  • Every assumption is labeled at point of use, not in a footnote
  • The sensitivity grid appears — never a single years-to-target alone
  • Real-vs-nominal is explicit and consistent
  • Sequence-of-returns risk is named
  • The disclaimer line appears in the artifact

Anti-Patterns

  • Do not output a retirement date — output a range with its drivers
  • Do not stack inflation adjustments on a real return, or skip them on a nominal one
  • Do not treat 4% as physics — it's a parameter the grid varies
  • Do not count home equity or emergency funds in invested savings without flagging it
  • Do not present the model's output without its assumptions

Example Trigger Phrases

  • "What's my FIRE number?"
  • "Can I retire early?"
  • "How much do I need to be financially independent?"
  • "Model my savings trajectory."

© mohitagw15856, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

SKILL.md and 2 other files (scripts, references) in skills/fire-number of mohitagw15856/pm-claude-skills.

  • SKILL.md
  • references/worked-example.md
  • scripts/fire_number.py

Open the folder on GitHubat commit 1cbf1f0

Compare with similar skills

Fire Number next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Fire Number compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Fire Number this skillmohitagw15856/pm-claude-skills1.4k—~1.1kAutomated safety check: PassMIT
Financial Analystalirezarezvani/claude-skills28k1 repos~1.8kAutomated safety check: PassMIT
Ito Computeaffaan-m/ECC277k1 repos~1.7kAutomated safety check: PassMIT
Startup Financial Modelingwshobson/agents40k—~1.9kAutomated safety check: PassMIT
Financial Data Cross-Validationxbtlin/ai-berkshire17k—~1.4kAutomated safety check: PassMIT
Senior Computer Visiondavila7/claude-code-templates33k2 repos~1.4kAutomated safety check: PassMIT

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Questions about Fire Number

What does Fire Number do?

Compute a financial-independence (FIRE) target and years-to-reach with every assumption labeled as an assumption — plus a sensitivity table instead of a single false-precision answer. Fire Number is an agent skill from mohitagw15856/pm-claude-skills. Compute a financial-independence (FIRE) target and years-to-reach with every assumption labeled as an assumption — plus a sensitivity table instead of a single false-precision answer.

When should I use Fire Number?

Fire Number fits situations like: asked whats my FIRE number; can I retire early; how much do I need to be financially independent; model my savings trajectory.

How do I install Fire Number in Claude Code?

Run `npx skills add mohitagw15856/pm-claude-skills --skill fire-number -a claude-code`. Or copy the skill folder (skills/fire-number in mohitagw15856/pm-claude-skills) into .claude/skills/fire-number in your project. Claude Code loads it when a task matches its description.

How do I install Fire Number in Codex?

Run `npx skills add mohitagw15856/pm-claude-skills --skill fire-number -a codex`. Or copy the skill folder (skills/fire-number in mohitagw15856/pm-claude-skills) into .agents/skills/fire-number in your project. Codex loads it when a task matches its description.

Can I use Fire Number in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add mohitagw15856/pm-claude-skills --skill fire-number -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/fire-number, .gemini/skills/fire-number, .github/skills/fire-number and .opencode/skills/fire-number in your project.

What does Fire Number need to run?

Going by SKILL.md and its folder, Fire Number needs Python for the scripts in its folder and the command-line tools its instructions call (python3). Our summary lists: Python 3.

Does Fire Number access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Fire Number safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. The check reads SKILL.md only: the scripts in the folder are not scanned, so read them before running anything.

What licence does Fire Number use?

Fire Number is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Fire Number use?

About 1.1k tokens (SKILL.md is roughly 4.3k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full. Its references folder adds about 676 tokens, read only when the agent opens those files.

What are the alternatives to Fire Number?

Skills that share tags, products or a category with Fire Number: Financial Analyst (alirezarezvani/claude-skills, 28k stars), Ito Compute (affaan-m/ECC, 277k stars), Startup Financial Modeling (wshobson/agents, 40k stars) and Financial Data Cross-Validation (xbtlin/ai-berkshire, 17k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Fire Number?

mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.

Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.