Fat FIRE Calculator
Plan for a luxurious retirement with a higher spending limit.
What is Fat FIRE?
Fat FIRE is Financial Independence, Retire Early for those who don't want to compromise on their lifestyle. Unlike traditional FIRE, which often requires strict budgeting, or Lean FIRE, which embraces minimalism, Fat FIRE is about abundance. It assumes a higher annual spend—typically $100,000 or more—allowing for travel, fine dining, hobbies, and a generous safety margin against market downturns.
Achieving Fat FIRE requires a larger portfolio, but it offers the ultimate freedom: the ability to live your best life without financial constraints.
How to Reach Fat FIRE
The path to Fat FIRE is paved with high income and smart investing. It's not just about saving; it's about generating significant wealth. This often involves:
- Maximizing high-income career earnings.
- Building scalable business or side hustles.
- Investing aggressively in diversified assets (stocks, real estate, private equity).
- Letting compound interest work over a longer time horizon or with a larger starting capital.
Need More Precision?
This calculator is great for a quick check, but real life is more complex. If you want to track your net worth, manage multiple currencies, and simulate detailed retirement scenarios with changing variables over time, try our dedicated app.
Download Asset Prism for FreeFrequently Asked Questions
What is a good Fat FIRE number?
A common benchmark for Fat FIRE is a portfolio of $2.5 million to $5 million or more. This supports an annual withdrawal of $100,000 to $200,000+ at a safe withdrawal rate of 3-4%.
Is Fat FIRE worth the extra effort?
If you value luxury, frequent travel, or living in a high-cost-of-living area without budgeting stress, Fat FIRE provides the peace of mind and lifestyle freedom that other FIRE types might not.