Âge de retraite anticipée / FIRE (Vestafolio)

Required workflow

For a request within this simulator's scope:

1. Reuse answers already supplied. Ask the missing questions below before giving a numerical result or a personalized recommendation. Example values and schema defaults are not the user's answers.
2. Before sending inputs, explain that this calculation uses Vestafolio's external API at https://www.vestafolio.com, summarize the fields and values to be sent, and obtain the user's agreement. Existing explicit approval for this destination and data scope is sufficient; do not ask again for calls it already covers. Installing or selecting the skill alone is not approval to transmit personal data. If the user declines, do not POST; offer the simulator link for manual use without prefilled inputs.
3. Once inputs and approval are known, actually call a tool: fetch the schema, then POST only the relevant simulator fields to the endpoint below. Omit unused optional data, names, addresses, account identifiers, credentials, files, and conversation history. No authentication is needed. Use an available HTTP tool, a terminal with curl, or Python code execution (execute_code in OpenWebUI). Python can use urllib.request; in browser-based Pyodide use await pyfetch(...) from pyodide.http. A Python environment does not need a shell to call the API.
4. Check HTTP success and the POST envelope: ok must be true; read the calculation from result. Ground the answer in that output, state relevant assumptions and limits. Offer the simulator link when useful for checking assumptions or exploring alternatives; respect requests for no links.

Writing a code block is not execution. Do not substitute mental arithmetic, remembered tax rules, or the worked example for a tool result. If execution or network access is unavailable, or the API fails, say the calculation could not be completed and provide the simulator link; do not invent its result or recommendation. A schema GET alone is not a completed simulation.

Response language

Reply in French whenever the user speaks or writes in French.

Simulates a capital-funded early retirement: year-by-year accumulation of savings until the target retirement age (salary, expenses, mortgage, investment returns), then withdrawals through retirement up to a life expectancy of 86, with the required capital, goal status and improvement levers. The model below is the one coded in the simulator; use it to explain, and the API to compute.

When to use

• "À quel âge puis-je arrêter de travailler ?" / "At what age can I retire early?"
• FIRE questions: capital needed, whether current savings + monthly surplus suffice, how long the capital lasts
• "What if I work 2 more years / cut expenses / keep a side gig?" follow-ups

When NOT to use

• Statutory French pension rights (trimestres, âge légal, pension amounts) — this is a pure capital-drawdown simulation
• Choosing an investment envelope (use vestafolio-pea-vs-cto)
• Non-capital questions like budgeting alone

Questions to ask before calling the API

The simulator asks these inputs, in this order. Ask or confirm each in French; do not assume a default for a question marked (gate).

« Situation actuelle »

1. « Épargne disponible actuellement » → currentSavings (invested capital today).
2. « Salaire net mensuel » → monthlyNetSalary.
3. « Autres revenus (mensuel) » → otherMonthlyIncome (« Revenus locatifs, freelance, etc. »). Counted before retirement only — income kept after retirement must be entered again in question 11.
4. « Augmentation annuelle des revenus » → annualSalaryIncrease (%, applies to salary and other income).
5. « Dépenses mensuelles courantes » → currentMonthlyExpenses (« Ne pas inclure de crédit immobilier »).
6. « Mensualité de prêt immobilier » → monthlyMortgagePayment and, if it is

   0 (gate), « Nombre d'années restantes pour le prêt » → remainingMortgageYears (the site refuses a payment without a duration). The mortgage keeps being paid after retirement until it ends.

7. « Âge actuel » → currentAge.

« Projection »

8. « Âge de départ souhaité » (gate) → desiredRetirementAge, at least the current age (the API clamps it; the site shows an error).
9. « Rendement annuel des investissements avant fiscalité » → annualInvestmentReturn (%).
10. « Revenu complémentaire » (gate) → hasPartTimeActivity (Oui/Non; the site defaults to Oui with 600 €, so ask).
11. Only if Oui: « Revenu complémentaire (mensuel) » → partTimeMonthlyIncome (« Loyers perçus, pension, temps partiel »), « Hausse annuelle des revenus » → annualPartTimeIncomeIncrease (%), « Âge auquel ces revenus cessent » → partTimeIncomeEndAge (at least the retirement age; the API clamps it). If Non, send partTimeMonthlyIncome: 0.
12. « Maintien du niveau de vie » (gate) → maintainLifestyle. Only if Non: « Dépenses mensuelles courantes révisées » → revisedMonthlyExpenses (monthly expenses targeted at retirement). If Oui, send the current expenses in revisedMonthlyExpenses as well.

Model as coded in the simulator

• Before retirement, each year: income = (salary + other income) × 12 grown by annualSalaryIncrease since today; expenses = current expenses × 12 inflated at 3 %/year since today; mortgage = payment × 12 while years remain; net savings are added to the capital, which earns annualInvestmentReturn on the opening balance. A negative net saving is withdrawn grossed-up for tax.
• In retirement, each year until age 86: expenses (current or revised) × 12 inflated at 3 %/year since today, plus the remaining mortgage, minus the complementary income (grown by its own rate since today, while the age is below partTimeIncomeEndAge); the shortfall is withdrawn from the capital grossed-up so that 31,4 % (PFU majoré: 12,8 % IR + 18,6 % PS) is paid on the withdrawal; a surplus is saved.
• objectiveReached = the capital never goes negative until 86 and the capital at retirement is at least capitalNecessary (the smallest capital that survives until 86, found by bisection).
• sustainableUntilAge extends the drawdown to 120 (…IsCapped when it lasts that long).
• improvement levers when the goal is missed, each on its own: extra work years to the first achievable retirement age (null if none before 86), the monthly expense cut that would make the goal reachable, or the number of years of a 800 €/month complementary income.

How to call the API

Always fetch the canonical input schema first (fields, bounds, defaults):

GET https://www.vestafolio.com/api/tools/v1/age-retraite

Every field has a default, so a minimal call with just the user's key numbers works — but confirm the defaults match their situation (notably the 600 € complementary income). Then POST (amounts in euros, rates in percent):

curl --fail-with-body --silent --show-error --max-time 30 -X POST https://www.vestafolio.com/api/tools/v1/age-retraite \
  -H 'Content-Type: application/json' \
  -d '{
    "currentSavings": 120000,
    "monthlyNetSalary": 3500,
    "otherMonthlyIncome": 0,
    "annualSalaryIncrease": 1,
    "currentMonthlyExpenses": 1800,
    "monthlyMortgagePayment": 800,
    "remainingMortgageYears": 10,
    "currentAge": 40,
    "desiredRetirementAge": 53,
    "annualInvestmentReturn": 7,
    "hasPartTimeActivity": true,
    "partTimeMonthlyIncome": 600,
    "annualPartTimeIncomeIncrease": 1,
    "partTimeIncomeEndAge": 65,
    "maintainLifestyle": false,
    "revisedMonthlyExpenses": 1600
  }'

Unknown fields are rejected (strict schema) — if you get a validation_error, re-read the schema from the GET endpoint rather than guessing field names.

Interpreting the output

• objectiveReached — the headline verdict (site badge « Objectif atteint » / « Objectif non atteint »)
• capitalAtRetirement vs capitalNecessary — projected capital at the target age vs the capital actually required; completionPercent is their ratio (« Progression vers le capital nécessaire »)
• sustainableUntilAge — « Vous pouvez vivre de votre rente jusqu'à » N ans (« et + » when sustainableUntilAgeIsCapped)
• improvement — relay the levers as the site does (« Âge de départ atteignable », « Réduction de vos dépenses mensuelles », « 800 €/mois en revenu complémentaire »), saying « Non atteignable avec ce seul levier » for a null value
• preRetirementProjection / retirementProjection — year-by-year series for "what happens at age N" follow-ups; minClosingCapital below zero pinpoints when savings run out; the first retirement year with complementary income gives the monthly transition balance the site shows
• inputs — the normalized values actually used (ages clamped)

Caveats

• Constant assumptions (returns, salary growth, 3 % expense inflation, flat 31,4 % tax on withdrawals) — real sequences of returns and future tax law will differ. Estimates, not financial advice — say so.
• Ignores statutory pension income; from the légal retirement age onward the real situation is usually better than simulated.
• Interactive simulator, if useful to the user: https://www.vestafolio.com/simulateurs/age-retraite