{"schemaVersion":"1.1","site":{"name":"Rich2Fire","url":"https://rich2fire.com","language":["en","zh-CN"]},"purpose":"Machine-readable evidence and version metadata for Rich2Fire educational FIRE tools.","warning":"These tools are educational and are not personal investment, tax, legal, medical or retirement advice.","generatedFrom":"https://rich2fire.com/tools/methodology","toolCount":18,"tools":[{"id":"fire-calibration","name":{"en":"FIRE Calibration","zh":"FIRE 校准"},"canonicalUrl":"https://rich2fire.com/tools/fire-calibration","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/fire-calibration","directAnswer":{"en":"A gentle, local-first reflection for reviewing whether a FIRE plan still fits across numbers, capacity, meaning and resilience without a pass-or-fail score.","zh":"一次温和、本机优先的结构化复盘，分别检视 FIRE 计划在数字、生活承载力、意义与韧性上是否仍然合身，不设置通过或失败的总分。"},"model":{"version":"1.0","lastReviewed":"2026-10-12","class":"reflection","classMeaning":"Structured reflection with no predictive model","freshness":"no-dataset","freshnessMeaning":"No external dataset or live data feed","decisionSensitivity":"planning"},"method":{"en":"Each optional answer is kept as its own signal: still fits, deserves review, needs change or skipped. Signals are never weighted or added into a total. Suggested experiments are simple mappings from the selected signals, not statistical recommendations. A snapshot and any Five Paths baseline update require separate, explicit actions.","zh":"每个可跳过的回答都保留为独立信号：仍然合身、值得复盘、需要改变或跳过。各信号从不加权，也不会相加为总分。建议的小实验只是从所选信号到行动的简单映射，不是统计建议。保存快照与更新“五种 FIRE 路径”基线是两次彼此独立的明确操作。"},"provenance":{"en":"The tool uses only the baseline already stored on the device and the user’s current selections. It has no external dataset or live feed. CFPB goal-revision guidance, Investor.gov planning guidance and peer-reviewed goal-adjustment research inform the questions, but this exact reflection has not been validated as a psychometric or financial-suitability instrument.","zh":"工具只使用设备上已有的基线与用户本次选择，不使用外部数据集或实时数据。CFPB 的目标调整资料、Investor.gov 的规划资料与同行评审的目标调整研究为提问框架提供参考，但这套复盘本身并未被验证为心理测量或财务适当性工具。"},"validationChecks":{"en":"Every question can be skipped; no answer silently changes another signal. Saved research-safe history excludes exact financial amounts, while changing the formal Five Paths baseline requires a second confirmation. Automated tests cover migration, sanitisation, record limits, deletion and explicit baseline merging.","zh":"每道问题都可以跳过，任何回答都不会暗中改变另一项信号。可安全用于后续研究的本机历史不含精确财务金额；修改正式“五种 FIRE 路径”基线必须再次确认。自动测试覆盖迁移、清理、记录上限、删除与明确的基线合并。"},"limitations":{"en":"Answers are self-reports from one moment and can change with mood, information and circumstances. The tool does not test portfolio sustainability, tax, insurance, legal needs, medical risk or mental health. A major or irreversible decision may require time, updated facts and qualified local support; choosing to pause is a valid result.","zh":"回答只是某一时点的自我报告，可能随情绪、信息与处境改变。工具不检验投资组合可持续性、税务、保险、法律需求、医疗风险或心理健康。重大或不可逆决定可能需要更多时间、更新事实与当地合格专业支持；选择暂停也是有效结果。"},"validation":{"status":"implementation-tested","externalExpertReview":false,"psychometricValidation":false,"outcomeValidation":false,"note":{"en":"Automated tests check the software’s mappings, storage boundaries and confirmation steps. They do not show that the questions measure a psychological construct, improve decisions or produce better FIRE outcomes.","zh":"自动测试检查软件映射、存储边界与确认步骤；它们不能证明这些问题测量了某种心理构念、改善了决策，或带来更好的 FIRE 结果。"}},"dataHandling":{"saveLocation":"browser-local","answersTransmittedOnSave":false,"exactAmountsStoredInSnapshots":false,"note":{"en":"Saving a draft or snapshot keeps it in this browser and never submits a research contribution. The structured snapshot history excludes exact financial amounts. Optional research sharing is a separate, one-time action with its own explicit consent and stays unavailable unless the protected backend reports ready.","zh":"保存草稿或快照时，内容留在当前浏览器，绝不会因此提交研究贡献；结构化快照历史不包含精确财务金额。可选研究分享是另一次需要单独明确同意的一次性操作，只有受保护后端报告已就绪时才会开放。"}},"citations":["https://files.consumerfinance.gov/f/documents/cfpb_your-money-your-goals_revising_goals_handout_2018-11.pdf","https://www.investor.gov/additional-resources/general-resources/publications-research/info-sheets/beginners-guide-asset","https://pubmed.ncbi.nlm.nih.gov/31131441/","https://www.financialplanningassociation.org/sites/default/files/2020-05/7%20Determining%20Withdrawal%20Rates%20Using%20Historical%20Data.pdf"],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"fixed-cost-freedom-calculator","name":{"en":"Fixed Cost Freedom Calculator","zh":"固定支出自由计算器"},"canonicalUrl":"https://rich2fire.com/tools/fixed-cost-freedom-calculator","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/fixed-cost-freedom-calculator","directAnswer":{"en":"Shows how removing one recurring cost can lower a FIRE target and, optionally, add investable monthly cash flow.","zh":"展示永久减少一项经常性支出如何降低 FIRE 目标，并可选择把节省额继续投资。"},"model":{"version":"1.1","lastReviewed":"2026-10-10","class":"deterministic","classMeaning":"Formula-based result calculated from user inputs","freshness":"user-inputs","freshnessMeaning":"No live data feed; outputs change with user inputs or model code","decisionSensitivity":"financial"},"citations":["https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator","https://www.financialplanningassociation.org/learning/publications/journal/OCT94-determining-withdrawal-rates-using-historical-data"],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"independent-income-freedom-calculator","name":{"en":"Independent Income Freedom Calculator","zh":"自主收入自由计算器"},"canonicalUrl":"https://rich2fire.com/tools/independent-income-freedom-calculator","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/independent-income-freedom-calculator","directAnswer":{"en":"Compares full FIRE with a semi-FIRE path supported by a user-entered independent income stream.","zh":"比较完全 FIRE 与由用户输入的自主收入支持的半 FIRE 路径。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"deterministic","classMeaning":"Formula-based result calculated from user inputs","freshness":"user-inputs","freshnessMeaning":"No live data feed; outputs change with user inputs or model code","decisionSensitivity":"financial"},"citations":[],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"five-fire-paths-calculator","name":{"en":"Five FIRE Paths Calculator","zh":"五种 FIRE 路径计算器"},"canonicalUrl":"https://rich2fire.com/tools/five-fire-paths-calculator","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/five-fire-paths-calculator","directAnswer":{"en":"Compares Lean, Traditional, Fat, Coast and Barista FIRE using one transparent set of spending, return and withdrawal assumptions.","zh":"用同一组透明的支出、回报与提取率假设比较 Lean、Traditional、Fat、Coast 和 Barista FIRE。"},"model":{"version":"1.1","lastReviewed":"2026-10-10","class":"deterministic","classMeaning":"Formula-based result calculated from user inputs","freshness":"user-inputs","freshnessMeaning":"No live data feed; outputs change with user inputs or model code","decisionSensitivity":"financial"},"citations":["https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator","https://www.financialplanningassociation.org/learning/publications/journal/OCT94-determining-withdrawal-rates-using-historical-data"],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"fire-resilience-stress-test","name":{"en":"FIRE Resilience Stress Test","zh":"FIRE 韧性压力测试"},"canonicalUrl":"https://rich2fire.com/tools/fire-resilience-stress-test","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/fire-resilience-stress-test","directAnswer":{"en":"Tests a simplified FIRE plan against an early market fall, higher costs and interrupted flexible income.","zh":"用早期市场下跌、成本上升与灵活收入中断来测试一个简化 FIRE 计划。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"scenario","classMeaning":"Transparent planning scenario; not a probability forecast","freshness":"user-inputs","freshnessMeaning":"No live data feed; outputs change with user inputs or model code","decisionSensitivity":"financial"},"citations":[],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"retirement-lifecycle-calculator","name":{"en":"Retirement Lifecycle Calculator","zh":"退休生命周期计算器"},"canonicalUrl":"https://rich2fire.com/tools/retirement-lifecycle-calculator","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/retirement-lifecycle-calculator","directAnswer":{"en":"Connects accumulation and retirement withdrawals in one year-by-year lifecycle scenario with inflation, income, tax and estate inputs.","zh":"在逐年生命周期情景中连接积累与退休提取，并纳入通胀、收入、税费与遗产目标输入。"},"model":{"version":"1.1","lastReviewed":"2026-10-10","class":"deterministic","classMeaning":"Formula-based result calculated from user inputs","freshness":"user-inputs","freshnessMeaning":"No live data feed; outputs change with user inputs or model code","decisionSensitivity":"financial"},"citations":["https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator","https://www.bls.gov/cpi/questions-and-answers.htm","https://www.financialplanningassociation.org/learning/publications/journal/OCT94-determining-withdrawal-rates-using-historical-data"],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"portfolio-trade-off-backtest","name":{"en":"Portfolio Backtest","zh":"投资组合回测"},"canonicalUrl":"https://rich2fire.com/tools/portfolio-trade-off-backtest","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/portfolio-trade-off-backtest","directAnswer":{"en":"Compares five published portfolio recipes over one shared historical window using return, volatility, Sharpe ratio and drawdown.","zh":"在同一历史窗口内，用回报、波动率、夏普比率与回撤比较五种公开组合配方。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"historical","classMeaning":"Fixed historical market-proxy series; not a forecast","freshness":"market-2026-08","freshnessMeaning":"Embedded historical market proxies through August 2026","decisionSensitivity":"financial"},"method":{"en":"Compounds monthly asset returns from a $10,000 starting value. Monthly or annual rebalancing restores target weights; no rebalancing lets weights drift. CAGR is the compounded end-to-end return, volatility is monthly standard deviation × √12, Sharpe uses a 0% risk-free rate, and maximum drawdown is the deepest monthly peak-to-trough fall.","zh":"从 10,000 美元起点逐月复利。月度或年度再平衡会恢复目标权重；不再平衡则允许权重漂移。CAGR 为首尾复合年化回报，波动率为月回报标准差 × √12，夏普比率采用 0% 无风险利率，最大回撤为月度序列中最深的峰谷跌幅。"},"provenance":{"en":"Fixed, embedded monthly adjusted-close proxy returns for SPY, IEF, TLT, GLD, DBC, SHY and VBR. The snapshot was prepared in September 2026, ends in August 2026, and the shared comparison begins in February 2007. The page makes no live market-data request.","zh":"采用固定内置的 SPY、IEF、TLT、GLD、DBC、SHY 与 VBR 月度调整收盘价代理回报。快照整理于 2026 年 9 月，数据截至 2026 年 8 月，共同比较区间从 2007 年 2 月开始。页面不会实时请求市场数据。"},"validationChecks":{"en":"Changing only the rebalancing setting recalculates every monthly path from the same source observations. All portfolios use the same dates and metric definitions, so the comparison is internally consistent.","zh":"仅改变再平衡设置时，所有路径都会基于同一批月度观测重新计算。全部组合使用相同日期与指标定义，因此内部比较口径一致。"},"limitations":{"en":"ETF proxies are not the underlying indexes and have different launch dates. Results omit fund expenses, tax, spreads, commissions, currency effects and a non-zero risk-free rate. Monthly observations hide intramonth losses; one historical window cannot establish a future return distribution.","zh":"ETF 代理并非指数本身，且成立日期不同。结果未计基金费率、税、买卖价差、佣金、汇率影响与非零无风险利率。月度观测会隐藏月内跌幅；单一历史窗口不能确立未来回报分布。"},"citations":["https://finance.yahoo.com/quote/SPY/history/","https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins/updated"],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"custom-portfolio-backtest","name":{"en":"Custom Portfolio Backtest","zh":"自定义投资组合回测"},"canonicalUrl":"https://rich2fire.com/tools/custom-portfolio-backtest","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/custom-portfolio-backtest","directAnswer":{"en":"Replays a user-built allocation against fixed historical proxy returns and exposes return, volatility and drawdown trade-offs.","zh":"用固定历史代理回报重放用户自建配置，并公开回报、波动与回撤之间的取舍。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"historical","classMeaning":"Fixed historical market-proxy series; not a forecast","freshness":"market-2026-08","freshnessMeaning":"Embedded historical market proxies through August 2026","decisionSensitivity":"financial"},"method":{"en":"Normalises positive weights, compounds monthly sleeve returns, and optionally restores target weights monthly or every 12 months. CAGR, annualised volatility, zero-risk-free-rate Sharpe and maximum drawdown use the same definitions as the five-portfolio backtest. A custom asset follows a deterministic synthetic cycle built from the entered CAGR, volatility and drawdown shock rather than observed prices.","zh":"先标准化正权重，再逐月复利各资产，并可每月或每 12 个月恢复目标权重。CAGR、年化波动率、0% 无风险利率夏普比率与最大回撤的定义和五组合回测一致。自定义资产使用由输入的 CAGR、波动率和回撤冲击构造的确定性合成周期，并非真实价格。"},"provenance":{"en":"Embedded monthly adjusted-close proxy data from Yahoo Finance run through August 2026. Before a selected ETF, index proxy or Bitcoin series has usable history, that sleeve is treated as cash with a 0% monthly return. Adjusted-close fund series treat cash distributions as reinvested; BTC-USD is a price-only series.","zh":"内置 Yahoo Finance 月度调整收盘价代理数据，截至 2026 年 8 月。在选定 ETF、指数代理或比特币序列尚无可用历史之前，对应仓位按月回报 0% 的现金处理。基金调整收盘价把现金分配视为再投资；BTC-USD 为价格序列。"},"validationChecks":{"en":"The interface discloses the usable date range, normalised allocation and each sleeve's metrics. Missing pre-launch observations are never silently filled with another asset's returns.","zh":"界面公开可用日期范围、标准化后的配置以及各仓位指标。代理成立前的缺失观测不会被另一资产的回报静默填补。"},"limitations":{"en":"Proxy choice, inception dates and the cash-before-history rule can materially change comparisons. Fund expenses, tax, trading costs, spreads, currency effects and a non-zero risk-free rate are excluded. Synthetic custom-asset paths are illustrations, not evidence.","zh":"代理选择、成立日期以及历史开始前按现金处理的规则，都可能显著改变比较结果。模型不含基金费率、税、交易成本、价差、汇率影响与非零无风险利率。自定义资产的合成路径只是示意，不是证据。"},"citations":["https://finance.yahoo.com/quote/SPY/history/","https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins/updated"],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"custom-portfolio-forecast","name":{"en":"Custom Portfolio Forecast","zh":"自定义投资组合预测"},"canonicalUrl":"https://rich2fire.com/tools/custom-portfolio-forecast","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/custom-portfolio-forecast","directAnswer":{"en":"Builds one deterministic path from user-entered returns, contributions, withdrawals, rebalancing and inflation assumptions.","zh":"根据用户输入的回报、投入、提取、再平衡与通胀假设生成一条确定性规划路径。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"scenario","classMeaning":"Transparent planning scenario; not a probability forecast","freshness":"user-inputs","freshnessMeaning":"No live data feed; outputs change with user inputs or model code","decisionSensitivity":"financial"},"method":{"en":"Converts each nominal annual return to a constant monthly rate, applies contributions before each month's growth, and restores target weights at the chosen frequency. Once withdrawals begin, new contributions stop; withdrawals occur at year-end. Real values divide nominal balances by compounded user-entered inflation.","zh":"把每项名义年回报换算为恒定月回报，在每月增长前投入资金，并按选定频率恢复目标权重。开始提取后不再新增投入，提取发生在年末。实际购买力金额用用户输入的复合通胀率折算名义余额。"},"provenance":{"en":"There is no external market dataset or live forecast. Asset labels and default returns are editable starting assumptions; every result is generated locally from the visible inputs.","zh":"不使用外部市场数据集或实时预测。资产名称与默认回报都只是可修改的起始假设；所有结果均由页面上可见的输入在本地生成。"},"validationChecks":{"en":"The table exposes every annual nominal and real balance. Setting inflation to 0% makes both paths equal; setting every return and cash flow to 0 keeps the starting balance unchanged.","zh":"逐年表格公开每年的名义余额与实际购买力余额。把通胀设为 0% 时两条路径应相等；把所有回报与现金流设为 0 时，起始余额应保持不变。"},"limitations":{"en":"Constant returns erase volatility, sequence risk and correlations. Taxes, fees, spreads, currency changes and unexpected cash flows are absent. A smooth path can look safer than any investable path would be.","zh":"恒定回报抹去了波动、收益顺序风险与相关性。模型不含税、费用、价差、汇率变化和意外现金流。平滑路径可能看起来比任何真实可投资路径都更安全。"},"citations":["https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins/updated"],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"company-dcf-calculator","name":{"en":"Company DCF Calculator","zh":"公司 DCF 估值计算器"},"canonicalUrl":"https://rich2fire.com/tools/company-dcf-calculator","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/company-dcf-calculator","directAnswer":{"en":"Estimates bull, base and bear equity values from a ten-year free-cash-flow forecast and Gordon-growth terminal value.","zh":"用十年自由现金流预测与 Gordon 永续增长终值估算乐观、基础和保守三种股权价值。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"deterministic","classMeaning":"Formula-based result calculated from user inputs","freshness":"user-inputs","freshnessMeaning":"No live data feed; outputs change with user inputs or model code","decisionSensitivity":"financial"},"method":{"en":"Forecasts ten years of free cash flow using either two five-year growth stages or ten annual rates. Each cash flow is discounted to today. Year-10 cash flow feeds a Gordon-growth terminal value, FCF₁₁ ÷ (discount rate − terminal growth); cash is added, debt deducted, and equity value divided by shares.","zh":"用两个五年增长阶段或十个年度增长率预测十年自由现金流，并逐年折现回今天。第 10 年现金流进入 Gordon 永续增长终值：第 11 年 FCF ÷（折现率 − 终端增长率）；随后加回现金、扣除负债，再用股权价值除以股数。"},"provenance":{"en":"No company filing, quote or analyst estimate is fetched. Free cash flow, cash, debt, shares, discount rate, growth and current price are all user inputs and should be reconciled to a consistent reporting date and accounting definition.","zh":"不会抓取公司财报、行情或分析师预测。自由现金流、现金、负债、股数、折现率、增长率和当前股价均由用户输入，并应统一到同一报告日期与会计口径。"},"validationChecks":{"en":"The tool blocks terminal-value calculation when the discount rate is not above terminal growth, and exposes forecast cash flows, discount factors, terminal value and the enterprise-to-equity bridge for all three scenarios.","zh":"当折现率不高于终端增长率时，工具停止计算终值；同时公开三种情景的预测现金流、折现因子、终值以及企业价值到股权价值的桥接过程。"},"limitations":{"en":"The model does not normalise accounting data or separately model dilution, stock compensation, cyclicality, acquisitions, failure risk, currency or reinvestment needs. Terminal value can dominate the result. BUY/SELL is only a mechanical price comparison, not a recommendation.","zh":"模型不会标准化会计数据，也不会单独建模股权稀释、股份薪酬、周期性、并购、失败概率、汇率或再投资需求。终值可能主导结果。BUY/SELL 只是机械价格比较，不是建议。"},"citations":["https://pages.stern.nyu.edu/~adamodar/New_Home_Page/lectures/dcfinput.html","https://www.investor.gov/introduction-investing/getting-started/researching-investments/researching-public-companies"],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"reverse-dcf-calculator","name":{"en":"Reverse DCF Calculator","zh":"反向 DCF 计算器"},"canonicalUrl":"https://rich2fire.com/tools/reverse-dcf-calculator","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/reverse-dcf-calculator","directAnswer":{"en":"Solves for the free-cash-flow growth paths needed to reconcile a user-entered share price with a simplified DCF.","zh":"反推出在简化 DCF 中支持用户输入股价所需的自由现金流增长路径。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"deterministic","classMeaning":"Formula-based result calculated from user inputs","freshness":"user-inputs","freshnessMeaning":"No live data feed; outputs change with user inputs or model code","decisionSensitivity":"financial"},"method":{"en":"Converts market equity value to enterprise value by subtracting cash and adding debt. For each two-stage path it uses up to 100 bisection iterations to solve years 1–5 growth within −95% to 200%; years 6–10 differ by the selected growth gap. Terminal value uses Gordon growth and is discounted from year 10.","zh":"先从市场股权价值中减现金、加负债，得到目标企业价值。每条两阶段路径最多进行 100 次二分迭代，在 −95% 至 200% 范围内求解第 1–5 年增长率；第 6–10 年按设定增长差调整。终值采用 Gordon 增长公式并从第 10 年折现。"},"provenance":{"en":"No market quote or filing is fetched. Current price, free cash flow, cash, debt, shares, discount rate and terminal growth are user-supplied and must share a coherent date and accounting basis.","zh":"不会抓取市场行情或财报。当前股价、自由现金流、现金、负债、股数、折现率与终端增长率均由用户提供，必须采用一致日期与会计口径。"},"validationChecks":{"en":"Every solved path is valued back to the entered market price and its forecast cash flows, present values, terminal value and enterprise-to-equity bridge are shown. An explicit warning appears when the target lies outside the search bounds or the terminal spread is invalid.","zh":"每条已求解路径都会重新估值到输入的市场价格，并公开预测现金流、现值、终值及企业价值到股权价值的桥接。当目标超出搜索边界或终值利差无效时会明确警告。"},"limitations":{"en":"A matching path is mathematically possible, not economically plausible. Smooth growth stages omit margins, reinvestment, dilution, stock compensation, cyclicality, acquisitions, failure risk and currency. Results are highly sensitive to discount and terminal-growth inputs.","zh":"数学上能够匹配，不代表经济上合理。平滑增长阶段忽略了利润率、再投资、稀释、股份薪酬、周期性、并购、失败概率和汇率。结果对折现率与终端增长率高度敏感。"},"citations":["https://pages.stern.nyu.edu/~adamodar/New_Home_Page/lectures/dcfinput.html","https://www.investor.gov/introduction-investing/getting-started/researching-investments/researching-public-companies"],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"options-payoff-calculator","name":{"en":"Options Payoff Calculator","zh":"期权到期盈亏计算器"},"canonicalUrl":"https://rich2fire.com/tools/options-payoff-calculator","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/options-payoff-calculator","directAnswer":{"en":"Calculates the expiration profit or loss of one standard 100-share call or put contract from user-entered terms.","zh":"根据用户输入的合约条件，计算一张标准 100 股 Call 或 Put 在到期日的盈亏。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"deterministic","classMeaning":"Formula-based result calculated from user inputs","freshness":"user-inputs","freshnessMeaning":"No live data feed; outputs change with user inputs or model code","decisionSensitivity":"financial"},"method":{"en":"Call intrinsic value is max(share price − strike, 0); put intrinsic value is max(strike − share price, 0). The premium is added for a seller or deducted for a buyer, then multiplied by 100. Break-even is strike plus call premium or strike minus put premium.","zh":"Call 内在价值为 max（股价 − 行权价，0）；Put 内在价值为 max（行权价 − 股价，0）。卖方加上权利金、买方扣除权利金，再乘以 100。Call 盈亏平衡价为行权价加权利金，Put 则为行权价减权利金。"},"provenance":{"en":"No option chain, volatility surface or quote feed is used. Contract direction, date, premium, current price and strike are user inputs; the expiration date is used only to display calendar days remaining.","zh":"不使用期权链、波动率曲面或行情数据。合约方向、日期、权利金、当前股价与行权价均由用户输入；到期日只用于显示剩余日历天数。"},"validationChecks":{"en":"The scenario table exposes intrinsic value and net P/L at five prices. At the displayed break-even price, payoff should be zero apart from rounding. Long-option maximum loss equals premium paid; an uncovered short call is labelled as having unlimited loss.","zh":"情景表公开五个价格点的内在价值与净盈亏。在显示的盈亏平衡价上，除舍入误差外盈亏应为零。买方最大损失等于已付权利金；无备兑 Sell Call 明确标记为损失无限。"},"limitations":{"en":"Before expiration, option value also depends on time, implied volatility, rates, dividends, liquidity, exercise style and assignment. Fees, tax, margin requirements and multi-leg interactions are absent. Short-option obligations can exceed the premium received.","zh":"到期前的期权价值还受剩余时间、隐含波动率、利率、股息、流动性、行权方式与指派影响。模型不含费用、税、保证金要求和多腿策略互动。卖方义务可能远超收到的权利金。"},"citations":["https://www.theocc.com/company-information/documents-and-archives/options-disclosure-document"],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"car-total-cost-of-ownership","name":{"en":"Car Total Cost of Ownership","zh":"汽车总持有成本计算器"},"canonicalUrl":"https://rich2fire.com/tools/car-total-cost-of-ownership","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/car-total-cost-of-ownership","directAnswer":{"en":"Estimates vehicle ownership cost across depreciation, financing, energy, tax, insurance, parking and maintenance.","zh":"估算车辆在折旧、融资、能源、税费、保险、停车与维修方面的总持有成本。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"deterministic","classMeaning":"Formula-based result calculated from user inputs","freshness":"user-inputs","freshnessMeaning":"No live data feed; outputs change with user inputs or model code","decisionSensitivity":"planning"},"citations":[],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"geographic-cash-out-tax-comparison","name":{"en":"Netherlands vs Belgium FIRE Tax Comparison","zh":"荷兰与比利时 FIRE 税务比较"},"canonicalUrl":"https://rich2fire.com/tools/geographic-cash-out-tax-comparison","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/geographic-cash-out-tax-comparison","directAnswer":{"en":"Compares simplified Netherlands and Belgium FIRE portfolio paths while making the policy date and omitted rules explicit.","zh":"比较简化的荷兰与比利时 FIRE 组合路径，并明确标记政策日期与未纳入规则。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"policy","classMeaning":"Dated and simplified policy preset; verify current local rules","freshness":"policy-2026-10","freshnessMeaning":"Policy registry reviewed in October 2026; not a live feed","decisionSensitivity":"tax"},"citations":["https://www.rijksoverheid.nl/themas/werk/inkomstenbelasting/plannen-werkelijk-rendement-box-3","https://www.belastingdienst.nl/wps/wcm/connect/en/income-in-box-3/content/box-3-provisional-assessment-2026","https://www.dekamer.be/FLWB/PDF/56/1244/56K1244001.pdf","https://finance.belgium.be/en/enterprises/other-taxes/financial-institutions-and-insurance-companies/tax-stock-exchange","https://financien.belgium.be/nl/ondernemingen/overige-belastingen/diverse-taksen/jaarlijkse-taks-effectenrekeningen"],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"global-fire-tax-comparison","name":{"en":"Global FIRE Tax Comparison","zh":"全球 FIRE 税务比较"},"canonicalUrl":"https://rich2fire.com/tools/global-fire-tax-comparison","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/global-fire-tax-comparison","directAnswer":{"en":"Compares simplified portfolio-tax presets across countries to identify policy questions that require current local verification.","zh":"比较不同国家的简化组合税务预设，用来识别必须结合当地最新规则核实的问题。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"policy","classMeaning":"Dated and simplified policy preset; verify current local rules","freshness":"policy-2026-10","freshnessMeaning":"Policy registry reviewed in October 2026; not a live feed","decisionSensitivity":"tax"},"citations":[],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"market-calm-card","name":{"en":"Market Calm Card","zh":"市场冷静卡"},"canonicalUrl":"https://rich2fire.com/tools/market-calm-card","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/market-calm-card","directAnswer":{"en":"Creates a written pause plan for market drawdowns using near-term cash needs and a scheduled review date.","zh":"根据近期现金需求与计划复盘日期，为市场下跌生成一份书面暂停计划。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"reflection","classMeaning":"Structured reflection with no predictive model","freshness":"no-dataset","freshnessMeaning":"No external dataset or live data feed","decisionSensitivity":"planning"},"citations":[],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"freedom-rhythm-check-in","name":{"en":"Freedom Rhythm Check-in","zh":"自由节奏自检"},"canonicalUrl":"https://rich2fire.com/tools/freedom-rhythm-check-in","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/freedom-rhythm-check-in","directAnswer":{"en":"A short reflection prompt for reducing one pressure, protecting unscheduled time and choosing genuine recovery.","zh":"用来减少一项压力、保护未安排时间并选择真正恢复方式的简短反思工具。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"reflection","classMeaning":"Structured reflection with no predictive model","freshness":"no-dataset","freshnessMeaning":"No external dataset or live data feed","decisionSensitivity":"planning"},"citations":[],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"},{"id":"low-energy-day-planner","name":{"en":"Low-Energy Day Planner","zh":"低能量日计划"},"canonicalUrl":"https://rich2fire.com/tools/low-energy-day-planner","languages":["en","zh-CN"],"chineseUrl":"https://rich2fire.com/zh/tools/low-energy-day-planner","directAnswer":{"en":"A non-medical planning prompt for choosing one essential action, one protected pause and a stopping boundary.","zh":"用于选择一项必要行动、一个受保护暂停和停止边界的非医疗规划提示。"},"model":{"version":"1.0","lastReviewed":"2026-10-10","class":"reflection","classMeaning":"Structured reflection with no predictive model","freshness":"no-dataset","freshnessMeaning":"No external dataset or live data feed","decisionSensitivity":"planning"},"citations":[],"methodologyUrl":"https://rich2fire.com/tools/methodology","changelogUrl":"https://rich2fire.com/tools/changelog"}]}