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About AlgorithmicFIRE

Our Mission

Navigating the path to Financial Independence (FIRE) is often cluttered with conflicting advice and "rules of thumb" that may not hold up in modern market conditions.

Our mission is simple: to provide concise, data-driven analysis you can trust.

We believe that retirement planning should be based on rigorous math, not guesswork. We empower self-directed investors with the tools and research they need to make informed decisions about their financial future.

Our Methodology

We differ from traditional finance blogs by prioritizing quantitative analysis. Our viewpoints are rooted in long-term, diversified investment strategies (index investing) but verified through:

  • Monte Carlo Simulations: We model thousands of possible market futures to understand risk, rather than relying on simple averages.
  • Historical Backtesting: We test strategies against decades of real market data to see how they perform in various economic cycles.
  • Inflation-Adjusted ("Real") Dollars: All our tools and articles calculate in real purchasing power, ensuring you don't underestimate the impact of inflation over a 30+ year retirement.

About the Founder

Paul Dunn founded AlgorithmicFIRE to bridge the gap between complex financial engineering and personal finance. With a career spanning roles as a Principal Software Engineer (including Hewlett Packard Enterprise) and Senior Manager of Foundation Data Analytics (where he led global engineering teams at Zendesk), Paul applies the same rigorous engineering and testing standards used in large-scale, mission-critical systems to the problem of portfolio longevity.

He hopes to share decades of hard-won experience and educational material, helping others navigate the complexities of Early Retirement with confidence.

Editorial Integrity & Testing Standards

To maintain the highest level of trust and quantitative accuracy on AlgorithmicFIRE, all content and tools adhere to the following standards:

  • Data Sourcing: We source our historical market data from publicly available financial archives (for historical stock prices) and official database feeds, including the Federal Reserve Bank of St. Louis (FRED) (macroeconomic series, interest rates).
  • Simulator Verification & Code Auditing: All calculators are built in-house. Our simulation engines (SWR sweep, Sequence of Returns, tax optimizers) undergo rigorous unit testing (using pytest) to ensure mathematical correctness and eliminate rounding errors.
  • Accuracy & Model Alignment: While we do not provide personalized financial advice, our mathematical models are designed to align with standard industry methods (e.g., William Bengen's original SWR research, ACA tax brackets, IRS RMD rules). We cross-reference our calculator outputs against established financial planning benchmarks to verify computational consistency.

Contact & Support

We are here to help. If you have questions about our research, need assistance with our calculators, or have issues with your account:

  • Email: algorithmicfire@gmail.com
  • Login Issues: If you cannot log in, please check your spam folder for the verification email.

AlgorithmicFIRE LLC is a publisher of financial information, not an investment advisor. The information regarding specific securities and strategies is strictly for illustrative and educational purposes.

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Copyright 2025-2026 AlgorithmicFIRE LLC all rights reserved.

Disclaimer

For Educational Purposes Only: All content on this site, including articles, tools, and simulations, is for informational and educational purposes only. It should not be construed as financial, investment, legal, or tax advice. The information provided is general in nature and not tailored to any individual's specific circumstances.

Software Development & Data Processing Risks: The software used to perform the analyses may have errors or inaccuracies. When we post updates to any material, errors or inaccuracies that are subsequently fixed may change the results. Historical pricing revisions, corporate actions, or algorithmic optimizations may dynamically recalculate past simulation timelines. As a result, past signal sequences shown on this site or in digests may shift retroactively to align with the revised data.

No Guarantees & Risk of Loss: The analyses and simulations presented are based on historical data. Past performance is not an indicator or guarantee of future results. All investing involves risk, including the possible loss of principal. Market conditions are subject to change, and the future may not resemble the past.

No Fiduciary Relationship: Your use of this information does not create a fiduciary or professional advisory relationship. We are not acting as your financial advisor.

Consult a Professional: You should always conduct your own research and due diligence. Before making any financial decisions, it is essential to consult with a qualified and licensed financial professional who can assess your individual situation and objectives. We disclaim any liability for actions taken or not taken based on the content of this site.

Data Sources & Attribution: This site utilizes the FRED® API provided by the Federal Reserve Bank of St. Louis. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. All FRED® data is used strictly for internal analytical processing and research.

Third-Party Links & Endorsement: This site contains links to third-party websites and resources for your convenience. We have no control over the content, privacy policies, or practices of these sites. The inclusion of any link does not imply endorsement, sponsorship, or recommendation by Algorithmic Fire LLC. We are not affiliated with any third-party sources unless explicitly stated, and we disclaim any liability for information or services provided on these external platforms.

Regulatory Status: Algorithmic Fire LLC is not a registered investment adviser, broker-dealer, or financial planner, and is not affiliated with the Securities and Exchange Commission (SEC) or the Financial Industry Regulatory Authority (FINRA). The content, tools, and simulations provided on this site do not constitute, and should not be construed as, professional financial advisory services.

Copyright 2025-2026 Algorithmic Fire LLC. All rights reserved.