Fat FIRE Calculator

Calculate the nest egg needed for a comfortable, luxurious early retirement. Fat FIRE means retiring with more than enough to maintain a high-spending lifestyle.

Your ideal retirement lifestyle spending
$
$
$
4%7%10%
Fat FIRE can use 3.5-4% with buffer
3%4%4.5%
$3,750,000
Your Fat FIRE Number
💰 Top 5% Retirement
14.2
Years to Fat FIRE
49
Fat FIRE Age
$12,500
Monthly Budget
50%
Effective Savings Rate
Fat FIRE Lifestyle Budget
🏠Housing$4,000
🚘Auto & Transport$1,500
✈Travel$2,000
🍴Dining & Food$1,500
🏅Hobbies & Entertainment$1,500
💊Healthcare$1,000
🎁Shopping & Gifts$500
💲Other & Buffer$500
Path to Fat FIRE
📈 FIRE Number Comparison
Lean FIRE
$600K
Regular FIRE
$1.5M
Fat FIRE
$3.75M

What is Fat FIRE?

Fat FIRE typically means retiring with annual spending of $100,000+ for individuals or $150,000+ for couples. It provides a luxurious lifestyle with travel, nice cars, dining out, and premium experiences without worrying about money.

Fat FIRE Number = Desired Annual Spending ÷ Safe Withdrawal Rate

Fat FIRE requires a larger nest egg but provides more security and lifestyle flexibility. Many Fat FIRE practitioners can weather market downturns without lifestyle changes, and have budget to help family or pursue expensive hobbies.

Disclaimer: This calculator is provided for educational and informational purposes only. Results are estimates based on the inputs you provide and may contain errors or inaccuracies. This tool does not constitute professional financial, investment, or tax advice. Individual circumstances vary, and you should consult with a qualified financial advisor, accountant, or other professional before making any financial decisions. We make no guarantees regarding the accuracy, completeness, or reliability of the calculations or results provided.

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