# calcular_fire_independencia_financeira

Calcula a meta FIRE (Financial Independence, Retire Early) e o tempo estimado para atingir a independência financeira. Meta FIRE = despesas anuais / taxa de retirada segura (regra dos 4%). Taxa real = (1 + nominal) / (1 + inflação) − 1. Usa FV(n) = PV×(1+r)^n + PMT×[(1+r)^n−1]/r e bisseção para encontrar os meses. Veredictos: "ja_independente" (patrimônio ≥ meta), "em_caminho" (atinge em ≤50 anos), "aporte_insuficiente" (não atinge em 50 anos). Útil para planejamento de aposentadoria antecipada e simulações de portfólio.

Agent View of the PolicyLayer registry record for `calcular_fire_independencia_financeira`. HTML page: https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-fire-independencia-financeira

## Facts

- Tool: `calcular_fire_independencia_financeira`
- Server: Contaí — Calculadoras Fiscais Brasileiras (`@contai-evoluke/mcp-server`) — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server.md
- Install: `npx -y @contai-evoluke/mcp-server`
- Homepage: https://github.com/lfhillesheim/calculadora
- Risk category: Read (Low risk)
- Registry record: grade B, identity unverified
- Server rate-limited: no
- Parameters: 7 (6 required)
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `aporteMensalCents` | integer | yes | Valor que será investido mensalmente até atingir o FIRE, em centavos. Ex: R$ 2.000 → 200000. Use 0 se não houver aporte |
| `despesasMensaisCents` | integer | yes | Total de despesas mensais atuais em centavos. Este valor define o padrão de vida que o patrimônio precisa sustentar após a independência financeira. Ex: R$ 8.00 |
| `inflacaoAnualPercent` | number | yes | Taxa de inflação anual estimada em % ao ano. Usada para calcular a taxa de retorno real (nominal − inflação). Ex: 4.5 = 4,5% a.a. |
| `patrimonioAtualCents` | integer | yes | Patrimônio financeiro atual total em centavos (somatório de todos os investimentos). Ex: R$ 500.000 → 50000000. Use 0 se estiver começando do zero |
| `taxaNominalAnualPercent` | number | yes | Taxa de retorno nominal anual esperada dos investimentos em % ao ano, antes de descontar inflação. Ex: 12.0 = 12% a.a. (referência: Selic + spread de risco) |
| `gastosCategorizadosCents` | array | no | Despesas mensais por categoria (DESPESA_PESSOAL). Quando NÃO-vazio, a soma substitui despesasMensaisCents para definir a meta FIRE. Categorias: moradia, aliment |
| `taxaRetiradaSeguraPercent` | number | yes | Taxa de retirada anual segura em % do patrimônio (regra do FIRE). Convenção clássica: 4% (regra dos 4% — Trinity Study). Mais conservador: 3% ou 3,5%. Ex: 4.0 = |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "calcular_fire_independencia_financeira",
    "arguments": {
      "aporteMensalCents": 0,
      "despesasMensaisCents": 0,
      "inflacaoAnualPercent": 0,
      "patrimonioAtualCents": 0,
      "taxaNominalAnualPercent": 0,
      "taxaRetiradaSeguraPercent": 0
    }
  }
}
```

## Why calcular_fire_independencia_financeira is rated Low

This is a financial calculator that queries and derives insights from user-provided data (expenses, savings rate, inflation assumptions). It has no side effects—it does not commit financial obligations, execute bank transfers, modify accounts, or trigger external operations. The calculation of FIRE goals and retirement projections is analysis and reporting, not Financial action.

From the tool's own definition: "The tool 'calcular_fire_independencia_financeira' performs calculations and simulations using financial formulas (FV compound interest, bisection method) to compute FIRE targets and retirement timelines."

Risk signals: High parameter count (10 properties)

## Use case

AI agents call calcular_fire_independencia_financeira to retrieve information from Contaí — Calculadoras Fiscais Brasileiras without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Contaí — Calculadoras Fiscais Brasileiras:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "calcular_fire_independencia_financeira": {}
  }
}
```

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- `calcular_calculadora_milhas_passagem` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-calculadora-milhas-passagem.md
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- `calcular_consultoria_pj_saude_financeira` — Read — https://policylayer.com/tools/io-github-lfhillesheim-contai-mcp-server/calcular-consultoria-pj-saude-financeira.md
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## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-lfhillesheim-contai-mcp-server · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-lfhillesheim-contai-mcp-server