Fat FIRE Calculator
Fat FIRE uses the same spend ÷ SWR model with a richer lifestyle line. Click any i for detail.
Fat FIRE inputs
Current age
i
Current age
Your age now. |
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|---|---|
FI age
i
FI age
When you want the FI portfolio ready. |
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Annual spend ($)
i
Spend
Higher-lifestyle annual spend in today’s dollars. |
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Safe withdrawal rate (%)
i
SWR
Common sketch is 3–4%. |
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Expected real return (%)
i
Real return
After-inflation annual return sketch. |
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Invested today ($)
i
Invested
Current invested assets (not home equity unless you count it). |
How to use this calculator
- Set ages and a fat annual spend.
- Pick SWR and a real return.
- Enter invested assets.
- See the discounted FI number vs what you hold today.
Results explained
FI target at FI age = spend ÷ SWR. Number needed today = FI target ÷ (1 + real return)^years. Same coast-style discount as Coast FIRE, with a higher default spend.
Quick reference: Fat FIRE
Rules of thumb, not a plan.
| Item | Detail |
|---|---|
| FI target | Spend ÷ SWR |
| 4% on $150k spend | $3.75M at FI age |
| Today’s number | Target discounted at the real return |
| Vs lean / barista | Higher spend; no part-time offset on this page |
Lower-spend cousin: Coast FIRE calculator. Part-time offset: Barista FIRE calculator.
How the estimate is built
target = spend / (SWR/100); today = target / (1 + real/100)^(FI age − age).
Example scenario
Spend $150,000 at 4% SWR → $3.75M at FI age. Discounted from 32 to 55 at 5% real is the headline number today.
FAQ
Is 4% safe at high spend?
Sequence risk bites the same; taxes and healthcare scale with lifestyle. This is not advice.
Barista overlap?
Barista subtracts part-time income first. This page does not.
Nest egg growth?
See 457 / 403(b) / IRA calculators for contribution paths.