Fat FIRE calculator

The portfolio and years of saving needed to fund a comfortable retirement — typically $100,000 a year and up.

The calculator

Fat FIRE number$3,750,00025× annual spending
Years of saving39.6 yearsWith the contribution above

$150,000 a year at 4.0% is $3,750,000. From $200,000 plus $20,000 a year at 5.0% real, that is 39.6 years.

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How it works

Same identity as every other FIRE number: spending divided by the withdrawal rate. The years figure inverts the ordinary-annuity future value, so a $200,000 start plus $20,000 a year at 5% real reaches a $1,000,000 lean number in a little over 17 years. The Lean FIRE calculator is the other end of the same scale.

Assumptions

Contributions at year end, one real return, no fees, no taxes. The default spending figure is a reference point, not a recommendation.

Frequently asked questions

What is Fat FIRE?
Financial independence at a comfortable spending level. Same arithmetic as Lean FIRE — spending divided by a withdrawal rate — with a larger lifestyle to fund, often $100,000 to $150,000 a year or more.
Why is the Fat FIRE number so much larger?
Because the 25× (or 33×) multiple applies to a bigger spending figure. $150,000 a year at 4% is $3.75 million; $40,000 a year is $1 million.
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