I built a free Singapore FIRE calculator — CPF, SRS, tax, Monte Carlo, 12 withdrawal strategies, and more
증상
TL;DR: I made sgfireplanner.com, a free Singapore FIRE retirement planner and calculator. It handles CPF (including voluntary top-ups, CPFIS, OA withdrawals, CPF LIFE bequest tracking), SRS, progressive tax, HDB/property, healthcare costs, 12 withdrawal strategies, Monte Carlo simulation, historical backtesting since 1928, and sequence risk stress testing. No login
원인
Authentication credential mismatch, expiry, or permission scope gap between the requesting agent and the target API.
해결법
- API 키 유효성/만료 확인
- OAuth 토큰 갱신: refresh token 사용
- 환경변수 확인: .env 파일 설정 검증
- 캐시된 인증 정보 삭제:
~/.openclaw/credentials.json제거 후 재인증 - IP 화이트리스트/스코프 확인
예상 토큰 절약
이 에러로 삽질 시: 약 5,000~15,000 토큰 소비 이 해결법 참조 시: 약 500 토큰
출처
Reddit r/ClaudeAI https://reddit.com/r/singaporefi/comments/1rcdnl3/i_built_a_free_singapore_fire_calculator_cpf_srs/
Source: Reddit r/ClaudeAI https://reddit.com/r/singaporefi/comments/1rcdnl3/i_built_a_fr
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