FIRE Calculator (Lean / Fat / Coast / Barista)
Modern FIRE math — 4 variants compared
📚 Learn more — how it works, FAQ & guide Click to expand
Learn more — how it works, FAQ & guide
Click to expand
FIRE — 4 variants compared
How to use this tool
- 1
Enter income + savings
- 2
See 4 FIRE variants
- 3
Pick your path
Frequently Asked Questions
4 FIRE variants?
Lean-FIRE = ultra-frugal retire (~$25K/yr). Fat-FIRE = comfortable retire (~$100K/yr). Coast-FIRE = stop saving, just let invested money compound. Barista-FIRE = part-time work + portfolio income.
4% rule?
Trinity Study: 4% withdrawal rate has 95%+ success over 30 yrs at 60/40 stock/bond. → FIRE number = annual_spending × 25.
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