8000 Define the financial freedom / FIRE model · Issue #24 · adeebahmed/Libertas · GitHub
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Define the financial freedom / FIRE model #24

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Define the financial freedom / FIRE model#24
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planningArchitecture and planning tasks
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MVP

Description

@adeebahmed
adeebahmed
opened on Apr 11, 2026

Design and implement the core algorithm that answers: 'Can I retire by date X, and what do I need to get there?'

Scope

  • Define inputs: current net worth, monthly income, monthly expenses, target retirement date, expected annual return, safe withdrawal rate (4% rule baseline)
  • Define outputs: projected retirement date, monthly savings needed, gap analysis, runway at current trajectory
  • Handle debt payoff in the model (debt reduces net investable assets)
  • Handle multiple scenarios (conservative/moderate/aggressive return assumptions)
  • Document the math — this is the heart of the product

Notes

  • Start simple: standard FIRE math. Complexity can be layered on after MVP.
  • Must integrate with the existing Retirement page and net worth data.

Activity

  1. adeebahmed
    added this to the MVP milestone on Apr 11, 2026
  2. adeebahmed
    added
    planningArchitecture and planning tasks
    mvpRequired for MVP release
    on Apr 11, 2026

  3. adeebahmed commented on Apr 12, 2026

    @adeebahmed
    adeebahmed
    on Apr 12, 2026
    OwnerAuthor

    Planned for Phase 3: Onboarding & FIRE Model

    Research findings:

    • FIRE model is a Tier 3 differentiator (no competitor does this locally with conversational AI)
    • Simple math: 4% safe withdrawal rate, portfolio size = annual expenses × 25
    • Three CAGR scenarios: conservative (4%), base (6%), optimistic (8%)
    • 'Can I retire by [date]?' is the highest-value projection question per user research

    Planned deliverable:

    • FIRE calculator with adjustable inputs (savings rate, annual expenses, expected return, target retirement date)
    • Three-scenario output with plain-language projection
    • Goal progress visualization on main dashboard
    • Integration with Map user journey: financial freedom goal-setting flow #11 (user journey / goal-setting flow)
  4. adeebahmed
    added a commit that references this issue on Apr 12, 2026

    docs: initialize GSD planning — requirements and roadmap aligned to G…

    c313051
  5. adeebahmed
    removed
    mvpRequired for MVP release
    on Apr 12, 2026
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