Financial Independence, Retire Early
What is Fat FIRE?
Fat FIRE plans for a higher spending lifestyle than a lean budget. The calculation follows the same approach as Standard FIRE, with a larger annual expense target.
How the target is calculated
Fat annual expenses ÷ withdrawal rate = Fat FIRE target
An illustrative example
An illustrative $120,000 annual spending budget and a 4% withdrawal rate produce a $3,000,000 portfolio target.
Explore Fat FIRE with your numbers
Choose Fat FIRE and enter the annual budget you want to explore. Compare return scenarios to see how different growth assumptions affect the estimated timeline.
Open the Fat FIRE calculatorWhat to keep in mind
Higher planned spending generally means a larger target. Define your own budget rather than treating any fixed portfolio size as a universal Fat FIRE threshold.
These calculations are educational estimates. They use steady returns, not historical simulations, and do not model retirement withdrawals year by year. A 4% withdrawal rate is an illustrative assumption, not a guaranteed outcome.