plugin.json

{
  "$schema": "https://agent-plugins.org/schemas/1.0.0/plugin.schema.json",
  "name": "centry-retire-early",
  "version": "1.0.0",
  "description": "Explore when you could retire early and what would need to change. Compare retirement dates, calculate the saving needed to retire in five years, and see how spending, pensions and part-time work affect your plan.\n\nCreated by Centry for personal or household early-retirement scenario planning. Start with a retirement age, calendar date or years from now. A five-year goal stays five years. Provide manual inputs or choose a clearly fictional example, then compare accessible money, locked pensions, spending and saving. Explore deterministic stresses and reproducible simulations, solve bounded retirement-age, saving or spending targets, and export a reviewable text plan.\n\nTypical questions: \u201cHow do I retire early?\u201d \u201cWhat do I do to retire early?\u201d \u201cI want to retire in 5 years. What do I do?\u201d \u201cCan I retire early?\u201d \u201cCan I afford to retire at 55?\u201d \u201cHow much do I need to save to retire in five years?\u201d \u201cWhen can I stop working?\u201d \u201cWhat would I need to change to retire sooner?\u201d \u201cHelp me plan for financial independence and early retirement.\u201d \u201cWhat to do to retire early?\u201d\n\nResults are conditional scenarios, not retirement clearance or personal probabilities. Return, volatility, inflation, fees, pension-access and tax assumptions must be supplied or explicitly accepted; illustrative values are not forecasts. GBP, EUR and USD are reporting currencies, not tax coverage. No tax-residence, entitlement, investment-suitability or legal determination; no securities recommendations, account linking or transactions. Does not apply to retiring a server, writing a retirement speech or asking only for a statutory retirement age.\n\nUseful results require no email or booking. Financial inputs sent through ChatGPT are processed by Centry\u2019s Vercel-hosted tools and returned to the client; ChatGPT and hosting retention are separate. No saved-plan database or automatic adviser sharing is provided. Exports remain under your control. An optional Centry consultation is your choice and does not transmit your plan or book for you.\n\nOperated by Centry Cognitive Capital Pte. Ltd., Singapore (UEN 202514224H). Technical availability does not establish professional-service coverage; Centry does not provide US tax advice.",
  "author": {
    "name": "Centry Cognitive Capital Pte. Ltd.",
    "email": "info@centry.capital",
    "url": "https://www.centry.capital"
  },
  "homepage": "https://www.centry.capital/",
  "keywords": [
    "early retirement",
    "retire early",
    "retirement calculator",
    "retire in five years",
    "retirement planning",
    "financial independence",
    "FIRE",
    "pension bridge",
    "retirement savings"
  ],
  "extensions": {
    "com.openai": {
      "interface": {
        "displayName": "Can I Retire Early? Calculator",
        "shortDescription": "Explore your early retirement",
        "longDescription": "Explore when you could retire early and what would need to change. Compare retirement dates, calculate the saving needed to retire in five years, and see how spending, pensions and part-time work affect your plan.\n\nCreated by Centry for personal or household early-retirement scenario planning. Start with a retirement age, calendar date or years from now. A five-year goal stays five years. Provide manual inputs or choose a clearly fictional example, then compare accessible money, locked pensions, spending and saving. Explore deterministic stresses and reproducible simulations, solve bounded retirement-age, saving or spending targets, and export a reviewable text plan.\n\nTypical questions: \u201cHow do I retire early?\u201d \u201cWhat do I do to retire early?\u201d \u201cI want to retire in 5 years. What do I do?\u201d \u201cCan I retire early?\u201d \u201cCan I afford to retire at 55?\u201d \u201cHow much do I need to save to retire in five years?\u201d \u201cWhen can I stop working?\u201d \u201cWhat would I need to change to retire sooner?\u201d \u201cHelp me plan for financial independence and early retirement.\u201d \u201cWhat to do to retire early?\u201d\n\nResults are conditional scenarios, not retirement clearance or personal probabilities. Return, volatility, inflation, fees, pension-access and tax assumptions must be supplied or explicitly accepted; illustrative values are not forecasts. GBP, EUR and USD are reporting currencies, not tax coverage. No tax-residence, entitlement, investment-suitability or legal determination; no securities recommendations, account linking or transactions. Does not apply to retiring a server, writing a retirement speech or asking only for a statutory retirement age.\n\nUseful results require no email or booking. Financial inputs sent through ChatGPT are processed by Centry\u2019s Vercel-hosted tools and returned to the client; ChatGPT and hosting retention are separate. No saved-plan database or automatic adviser sharing is provided. Exports remain under your control. An optional Centry consultation is your choice and does not transmit your plan or book for you.\n\nOperated by Centry Cognitive Capital Pte. Ltd., Singapore (UEN 202514224H). Technical availability does not establish professional-service coverage; Centry does not provide US tax advice.",
        "defaultPrompt": [
          "How do I retire early?",
          "I want to retire in 5 years. What do I do?",
          "Can I afford to retire at 55?"
        ],
        "websiteURL": "https://www.centry.capital/",
        "supportURL": "https://www.centry.capital/contact/",
        "privacyPolicyURL": "https://centry-retire-early.vercel.app/privacy.html",
        "termsOfServiceURL": "https://www.centry.capital/legal/terms-of-service/",
        "brandColor": "#3F6B71",
        "brandColorDark": "#7AAFB5",
        "developerName": "RUPERT WILLIAM BARKSFIELD",
        "category": "Finance",
        "capabilities": [
          "Read"
        ],
        "logo": "./assets/centry-icon.png",
        "composerIcon": "./assets/centry-icon.png"
      },
      "review": {
        "demo_recording_url": "https://centry-plugins.vercel.app/review/retire-early-walkthrough.mp4",
        "commerce": false,
        "commerce_description": "Free scenario planning. No payment, investment transaction, purchase, booking or automatic lead capture. Optional first-party Centry consultation link opens a separate website under the user\u2019s control.",
        "test_cases": {
          "positive": [
            {
              "description": "Preserve a five-year goal and request missing financial facts",
              "prompt": "I am 45. I want to retire in 5 years. What do I do? Use 7 October 2026 as the reference date for this synthetic review case.\nComplete fictional tool arguments: {\"goal\":\"I want to retire in 5 years. What do I do?\",\"asOf\":\"2026-10-07\",\"currentAge\":45}",
              "tools_triggered": "open_retirement_calculator",
              "expected_behavior": "Open Can I Retire Early? Calculator intake for retirement around age 50 and 7 October 2031. Ask for missing material facts. Do not replace the target with age 65, populate fictional assets as the user\u2019s own, or return an affordability/probability result."
            },
            {
              "description": "Hand-worked monthly funding failure remains visible",
              "prompt": "Can I afford this fictional early-retirement plan? I explicitly accept all supplied zero-rate and no-pension/no-debt assumptions solely for this arithmetic test.\nComplete fictional tool arguments: {\"input\":{\"asOf\":\"2026-10-07\",\"baseCurrency\":\"GBP\",\"currentAge\":50,\"retirementAge\":50,\"horizonAge\":60,\"monthlySaving\":0,\"retirementSpendingMonthly\":1000,\"currentSpendingMonthly\":0,\"savingsMode\":\"direct\",\"residence\":\"United Kingdom (fictional)\",\"retirementCountry\":\"Portugal (fictional; no tax module)\",\"taxesStatus\":\"assumed-none\",\"pensionsStatus\":\"assumed-none\",\"debtsStatus\":\"assumed-none\",\"reserveTarget\":0,\"legacyTarget\":0,\"people\":[{\"id\":\"synthetic-a\",\"name\":\"Synthetic Alex\",\"age\":50,\"retirementAge\":50,\"monthlySaving\":0,\"monthlyNetIncome\":0,\"currency\":\"GBP\",\"baseRate\":1,\"rateDate\":\"2026-10-07\"}],\"assets\":[{\"id\":\"synthetic-cash\",\"name\":\"Synthetic accessible cash\",\"kind\":\"accessible\",\"value\":100000,\"currency\":\"GBP\",\"baseRate\":1,\"rateDate\":\"2026-10-07\",\"accessMonth\":0,\"ownershipPct\":100,\"source\":\"Fictional hand-worked reviewer fixture\"}],\"flows\":[],\"debts\":[],\"assumptions\":{\"returnPct\":0,\"lowerReturnPct\":0,\"earlyLossPct\":0,\"feePct\":0,\"inflationPct\":0,\"withdrawalTaxPct\":0,\"fxShockPct\":0,\"volatilityPct\":0,\"trials\":0,\"seed\":42,\"source\":\"Explicitly accepted fictional zero-rate arithmetic fixture; no forecast or tax rules\",\"asOf\":\"2026-10-07\"}}}",
              "tools_triggered": "run_retirement_projection",
              "expected_behavior": "Return a qualified scenario result through age 60. With 100000 opening accessible cash and 1000 month-end spending, month 12 closes at 88000; month 100 closes at zero; month 101 is the first unmet payment; total unmet spending through month 120 is 20000. Accessible balances never become negative. Show assumptions, horizon and first shortfall; trials=0 must not produce a funded-path probability."
            },
            {
              "description": "Change only retirement spending",
              "prompt": "Could spending 800 instead of 1000 each month make this fictional retirement plan last? Keep every other field and assumption unchanged.\nComplete fictional tool arguments: {\"input\":{\"asOf\":\"2026-10-07\",\"baseCurrency\":\"GBP\",\"currentAge\":50,\"retirementAge\":50,\"horizonAge\":60,\"monthlySaving\":0,\"retirementSpendingMonthly\":1000,\"currentSpendingMonthly\":0,\"savingsMode\":\"direct\",\"residence\":\"United Kingdom (fictional)\",\"retirementCountry\":\"Portugal (fictional; no tax module)\",\"taxesStatus\":\"assumed-none\",\"pensionsStatus\":\"assumed-none\",\"debtsStatus\":\"assumed-none\",\"reserveTarget\":0,\"legacyTarget\":0,\"people\":[{\"id\":\"synthetic-a\",\"name\":\"Synthetic Alex\",\"age\":50,\"retirementAge\":50,\"monthlySaving\":0,\"monthlyNetIncome\":0,\"currency\":\"GBP\",\"baseRate\":1,\"rateDate\":\"2026-10-07\"}],\"assets\":[{\"id\":\"synthetic-cash\",\"name\":\"Synthetic accessible cash\",\"kind\":\"accessible\",\"value\":100000,\"currency\":\"GBP\",\"baseRate\":1,\"rateDate\":\"2026-10-07\",\"accessMonth\":0,\"ownershipPct\":100,\"source\":\"Fictional hand-worked reviewer fixture\"}],\"flows\":[],\"debts\":[],\"assumptions\":{\"returnPct\":0,\"lowerReturnPct\":0,\"earlyLossPct\":0,\"feePct\":0,\"inflationPct\":0,\"withdrawalTaxPct\":0,\"fxShockPct\":0,\"volatilityPct\":0,\"trials\":0,\"seed\":42,\"source\":\"Explicitly accepted fictional zero-rate arithmetic fixture; no forecast or tax rules\",\"asOf\":\"2026-10-07\"}},\"changes\":{\"retirementSpendingMonthly\":800}}",
              "tools_triggered": "compare_retirement_scenarios",
              "expected_behavior": "Calculate the original and changed scenarios. Original spending 1000 has its first gap in month 101; spending 800 funds 120 monthly payments and ends with 4000 accessible assets. Preserve all other inputs, seed and horizon. Show the 200 monthly spending reduction; no silent spending cut or probability from deterministic scenarios."
            },
            {
              "description": "Solve saving required for the supplied five-year target",
              "prompt": "I am 45 and want to stop full-time work in five years. In this fictional zero-rate case, what monthly saving from 0 to 1000 in steps of 25 funds spending from age 50 through age 60? Keep my target age 50.\nComplete fictional tool arguments: {\"input\":{\"asOf\":\"2026-10-07\",\"baseCurrency\":\"GBP\",\"currentAge\":45,\"retirementAge\":50,\"horizonAge\":60,\"monthlySaving\":0,\"retirementSpendingMonthly\":1000,\"currentSpendingMonthly\":0,\"savingsMode\":\"direct\",\"residence\":\"United Kingdom (fictional)\",\"retirementCountry\":\"Portugal (fictional; no tax module)\",\"taxesStatus\":\"assumed-none\",\"pensionsStatus\":\"assumed-none\",\"debtsStatus\":\"assumed-none\",\"reserveTarget\":0,\"legacyTarget\":0,\"people\":[{\"id\":\"synthetic-a\",\"name\":\"Synthetic Alex\",\"age\":45,\"retirementAge\":50,\"monthlySaving\":0,\"monthlyNetIncome\":0,\"currency\":\"GBP\",\"baseRate\":1,\"rateDate\":\"2026-10-07\"}],\"assets\":[{\"id\":\"synthetic-cash\",\"name\":\"Synthetic accessible cash\",\"kind\":\"accessible\",\"value\":100000,\"currency\":\"GBP\",\"baseRate\":1,\"rateDate\":\"2026-10-07\",\"accessMonth\":0,\"ownershipPct\":100,\"source\":\"Fictional hand-worked reviewer fixture\"}],\"flows\":[],\"debts\":[],\"assumptions\":{\"returnPct\":0,\"lowerReturnPct\":0,\"earlyLossPct\":0,\"feePct\":0,\"inflationPct\":0,\"withdrawalTaxPct\":0,\"fxShockPct\":0,\"volatilityPct\":0,\"trials\":0,\"seed\":42,\"source\":\"Explicitly accepted fictional zero-rate arithmetic fixture; no forecast or tax rules\",\"asOf\":\"2026-10-07\"}},\"kind\":\"monthly-saving\",\"min\":0,\"max\":1000,\"step\":25}",
              "tools_triggered": "solve_retirement_target",
              "expected_behavior": "Search the declared deterministic grid while preserving retirement at 50. Report required additional monthly saving, bounds, step and every-month funding criterion. Under 60 accumulation months and 120 retirement payments, 350 per month is the first feasible grid point: 121000 at retirement before retirement payments and 1000 remaining at horizon. Explain that 333.34 would be the continuous arithmetic amount, while this tool searches steps of 25; no objectively safe or probabilistic claim."
            },
            {
              "description": "Export the exact calculated scenario without sharing",
              "prompt": "Export this fictional retirement scenario as a reviewable text plan. Use exactly these inputs and do not email, book, share or submit it.\nComplete fictional tool arguments: {\"input\":{\"asOf\":\"2026-10-07\",\"baseCurrency\":\"GBP\",\"currentAge\":50,\"retirementAge\":50,\"horizonAge\":60,\"monthlySaving\":0,\"retirementSpendingMonthly\":1000,\"currentSpendingMonthly\":0,\"savingsMode\":\"direct\",\"residence\":\"United Kingdom (fictional)\",\"retirementCountry\":\"Portugal (fictional; no tax module)\",\"taxesStatus\":\"assumed-none\",\"pensionsStatus\":\"assumed-none\",\"debtsStatus\":\"assumed-none\",\"reserveTarget\":0,\"legacyTarget\":0,\"people\":[{\"id\":\"synthetic-a\",\"name\":\"Synthetic Alex\",\"age\":50,\"retirementAge\":50,\"monthlySaving\":0,\"monthlyNetIncome\":0,\"currency\":\"GBP\",\"baseRate\":1,\"rateDate\":\"2026-10-07\"}],\"assets\":[{\"id\":\"synthetic-cash\",\"name\":\"Synthetic accessible cash\",\"kind\":\"accessible\",\"value\":100000,\"currency\":\"GBP\",\"baseRate\":1,\"rateDate\":\"2026-10-07\",\"accessMonth\":0,\"ownershipPct\":100,\"source\":\"Fictional hand-worked reviewer fixture\"}],\"flows\":[],\"debts\":[],\"assumptions\":{\"returnPct\":0,\"lowerReturnPct\":0,\"earlyLossPct\":0,\"feePct\":0,\"inflationPct\":0,\"withdrawalTaxPct\":0,\"fxShockPct\":0,\"volatilityPct\":0,\"trials\":0,\"seed\":42,\"source\":\"Explicitly accepted fictional zero-rate arithmetic fixture; no forecast or tax rules\",\"asOf\":\"2026-10-07\"}}}",
              "tools_triggered": "export_retirement_plan",
              "expected_behavior": "Return copyable text and a JSON review snapshot under Can I Retire Early? Calculator identity. It must match the supplied 100000/1000 zero-rate scenario, first unmet month 101, 20000 total unmet, engine version, seed 42, horizon 60, annual cash-flow reconciliation, assumptions, missing data and limitations. Do not save a server account or transmit the plan to an adviser."
            }
          ],
          "negative": [
            {
              "description": "Non-financial retirement: computing infrastructure",
              "prompt": "Retire an old server.",
              "expected_behavior": "Do not invoke these retirement-planning tools. Address the server-decommissioning request within the available technical capabilities."
            },
            {
              "description": "Writing task rather than financial planning",
              "prompt": "Write a retirement speech.",
              "expected_behavior": "Do not invoke these tools or ask for financial inputs. Help write the speech."
            },
            {
              "description": "Statutory-age question alone",
              "prompt": "What is the statutory retirement age?",
              "expected_behavior": "Do not invoke this calculator for this question alone. Clarify the jurisdiction and relevant pension/retirement system, and use current authoritative information as needed; do not infer country from currency or give a retirement-affordability result."
            }
          ]
        }
      },
      "onboardingSkill": "./skills/plan-early-retirement/SKILL.md",
      "apps": "./.app.json"
    }
  }
}