Track FIRE progress: are you already financially independent / can you coast, how you benchmark against peers, which net-worth milestones you've hit, and whether you can hit a target retirement age (with the easiest levers to pull). Thin orchestration over the planfi MCP.
It's a thin orchestration layer over the public planfi MCP (https://ai.planfi.app/mcp/free,
public, no auth) — all the math and financial logic live server-side. The skill itself bundles no
engine; it just gathers inputs and calls the tools.
If the planfi tools aren't connected yet, run:
claude mcp add --transport http planfi https://ai.planfi.app/mcp/free
Try free, then add your key. The command above adds the free connector —
https://ai.planfi.app/mcp/free(no key needed). Once you create an API key, add a new connector with the MCP url —https://ai.planfi.app/mcp— and authorize it with your key.
On claude.ai: Settings → Connectors → add a custom connector pointing at
https://ai.planfi.app/mcp/free (no auth). The skill also reminds you to do this if the tools are
missing when you invoke it.
npx skills add holdequity/planfi-fire-tracker
User-level (available in every project):
cp -r skills/fire-tracker ~/.claude/skills/
Or project-level (only this repo/project):
mkdir -p .claude/skills && cp -r skills/fire-tracker .claude/skills/
Restart Claude Code (or start a new session). The skill auto-loads by its description.
/plugin marketplace add holdequity/planfi-fire-tracker
/plugin install fire-tracker@planfi
- Zip the folder:
cd skills && zip -r fire-tracker.zip fire-tracker - In claude.ai go to Settings → Capabilities → Skills and upload the zip.
- All decimals are fractions (24% →
0.24); all figures are today's (real, inflation-adjusted) dollars; tax brackets/limits are approximate ~2026 values. - The skill surfaces every assumption the server reports — each tool returns a structured
assumed_defaults[]({ field, assumed_value, note }) — so you can correct any silent default. - Not financial advice. Planning estimates only.
See SKILL.md for the full instructions, exact tool params, and output format.
Source + issues: https://github.com/holdequity/planfi-fire-tracker.
This skill is Claude Code packaging — but the engine is a standard
Model Context Protocol server at
https://ai.planfi.app/mcp/free (Streamable HTTP, no auth). Connect it from any
MCP-capable agent and you get the same PlanFi tools directly. Every tool is
self-orchestrating (it reports its own assumed defaults and suggests the
next step), so it works well even without the skill wrapper.
Most clients take an mcpServers config block:
{
"mcpServers": {
"planfi": { "type": "http", "url": "https://ai.planfi.app/mcp/free" }
}
}| Client | How to add it |
|---|---|
| Claude Code | claude mcp add --transport http planfi https://ai.planfi.app/mcp/free |
| Cursor | add the block above to ~/.cursor/mcp.json (field: url) |
| Windsurf | ~/.codeium/windsurf/mcp_config.json (field: serverUrl) |
| Cline / VS Code | paste the block into the Cline MCP settings |
| Claude Desktop & stdio-only clients | bridge with npx -y mcp-remote https://ai.planfi.app/mcp/free |
| ChatGPT (custom connectors / Deep Research) | add a connector pointing at the MCP URL |
| Custom / your own agent | plain MCP Streamable HTTP — POST JSON-RPC tools/list / tools/call to the URL with Accept: application/json, text/event-stream |
Field names vary slightly by client and version — check your client's MCP docs;
the URL is always https://ai.planfi.app/mcp/free.
MIT — see LICENSE.