Fat Fire Calculator

Use our Fat Fire Calculator to estimate how much money you need to achieve financial independence and retire early with a high standard of living. Plan your Fat FIRE journey today!

Fat FIRE Calculator

Fat FIRE Calculator

Plan your journey to financial independence

Your Information

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Your FIRE Results

Time to FIRE

0 years

Estimated time until financial independence

Target Savings

$0

Total savings needed for FIRE

Monthly Investment

$0

Recommended monthly investment

This calculator uses the 4% rule as a baseline for FIRE calculations. Results are estimates and should not be considered as financial advice.

What is the formula for Fat FIRE?

The formula for Fat FIRE is:
Annual Expenses × 25 = Fat FIRE Number
This assumes you want to maintain a higher-than-average standard of living in retirement. The “25” comes from the 4% safe withdrawal rule, meaning you can withdraw 4% of your portfolio annually.

What is a good Fat FIRE number?

A good Fat FIRE number typically ranges from $2 million to $5 million or more, depending on your desired lifestyle, location, and annual expenses. It’s the amount you need to retire early while maintaining a comfortable or luxurious standard of living.

What is the 25x rule for FIRE?

The 25x rule is a general guideline in the FIRE community stating that you need 25 times your annual expenses to retire. For example, if you spend $80,000 a year, you’d aim for $2 million to achieve FIRE. It’s based on the 4% withdrawal rule.

What is the FatFIRE method?

The FatFIRE method is a financial independence and early retirement strategy for those who want to retire early without sacrificing lifestyle quality. Unlike Lean FIRE (which emphasizes frugality), FatFIRE focuses on building a larger retirement portfolio to support a more luxurious or comfortable life.

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Join the Conversation on Reddit:
Want to see how others are planning their Fat FIRE journey? Check out our recommended Reddit FatFIRE community where thousands share their strategies, tips, and real-life experiences. It’s a great place to learn, ask questions, and get inspired!

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