Fat FIRE Calculator — A Larger Retirement Budget
Fat FIRE calculator for a comfortable retirement: see how a $120,000 lifestyle changes your FIRE number and the years of saving it requires.
Your savings, spending, and FIRE number are figured in your browser; nothing is sent to a server.Try: Current age=30, Retirement age=65, Current investments=50000, Annual contribution=12000, Annual spending in retirement=120000, Expected annual return=7, Safe withdrawal rate=4 → $3,000,000, 40 yrs, 70, $3,144,344
How to use
Fat FIRE means retiring with a generous budget. Because the target is 25× spending, a richer lifestyle needs a much larger portfolio and more years of saving. This tool is prefilled to $120,000 of annual spending.
FAQ
What is Fat FIRE?
Fat FIRE is financial independence with a comfortable budget — commonly $100,000 or more a year. It usually needs a much larger portfolio and therefore more years of saving.
How much bigger is the Fat FIRE number?
Because the target is 25× spending, doubling your lifestyle roughly doubles the number you need. The calculator shows the extra years that bigger budget costs you.