Fat FIRE Calculator
Retire early without sacrificing your lifestyle. Calculate how much you need for $100k+ annual spending in retirement.
Calculate Your Fat FIRE NumberFree. No signup required.
What is Fat FIRE?
Fat FIRE is the premium version of early retirement. While traditional FIRE focuses on the minimum needed to stop working, Fat FIRE means having enough to maintain (or upgrade) your current lifestyle indefinitely.
The threshold is typically $100,000+ per year in retirement spending. That means travel, dining out, a nice home, good healthcare, and the freedom to enjoy life without constantly watching your budget.
Travel Freely
First class flights, nice hotels, extended trips - no compromises.
Live Well
Keep your home, your car, your lifestyle. No downsizing required.
Best Healthcare
Afford premium health insurance and out-of-pocket costs without stress.
How Much Do You Need for Fat FIRE?
Using the 4% safe withdrawal rate (multiply annual spending by 25):
$100k/year spending
$2.5M
Fat FIRE threshold
$150k/year spending
$3.75M
Upper Fat FIRE
$200k/year spending
$5M
Obese FIRE
FAT FIRE FORMULA
Annual Spending × 25 = Fat FIRE Number
Based on the 4% rule. Use 33x (3% rule) for extra safety on a 40+ year retirement.
The FIRE Spectrum
Where does Fat FIRE fit? Here's how the different FIRE levels compare:
Is Fat FIRE Right for You?
✓ Fat FIRE might be for you if:
- • You earn $150k+ and can save 40-60%
- • You don't want to downgrade your lifestyle
- • You value experiences, travel, and comfort
- • You want a large safety margin
- • You're in a high cost of living area
→ Consider other FIRE types if:
- • You want to retire ASAP (try Barista FIRE)
- • You're happy with a simpler lifestyle (Lean FIRE)
- • You want to stop saving now (Coast FIRE)
- • You don't have a high income
Find out when you'll reach Fat FIRE
Enter your numbers and see your path to luxurious early retirement.
Calculate NowFrequently Asked Questions
What is Fat FIRE?
Fat FIRE is a variation of Financial Independence, Retire Early (FIRE) where you save enough to maintain a luxurious lifestyle in retirement - typically $100,000+ per year in spending. Unlike Lean FIRE which requires frugality, Fat FIRE means retiring early without lifestyle sacrifices.
How much do I need for Fat FIRE?
Using the 4% rule, you need 25x your annual spending. For $100,000/year, that's $2.5 million. For $150,000/year, you need $3.75 million. For $200,000/year, you need $5 million. Our calculator shows exactly when you'll reach your number.
What is the difference between Fat FIRE and Lean FIRE?
Lean FIRE means retiring early on a tight budget (~$40,000/year or less), requiring significant lifestyle changes. Fat FIRE means retiring with $100,000+ annual spending - keeping your current lifestyle or upgrading it. Fat FIRE requires more savings but offers more freedom.
What is Chubby FIRE?
Chubby FIRE falls between Lean and Fat FIRE - typically $60,000-$100,000 per year in retirement spending. It's comfortable without being luxurious. You can use our calculator for any spending level.
Is Fat FIRE realistic?
Yes, especially for high earners who save aggressively. If you earn $200k+ and save 50%, you can reach Fat FIRE in 15-20 years. The key is a high savings rate and letting compound interest work. Our calculator shows your personal timeline.
Should I use a 4% or 3% withdrawal rate for Fat FIRE?
Many Fat FIRE planners use 3-3.5% for extra safety since they're retiring for potentially 40+ years. With $3 million, 4% gives you $120k/year while 3% gives $90k/year. Our calculator lets you adjust this assumption.
Retire early. Live large.
See exactly when you can stop working without giving up the lifestyle you've built.
Calculate Your Fat FIRE NumberNot financial advice. This calculator is for educational purposes only and does not constitute financial, tax, or investment advice. Results are estimates based on the inputs you provide and historical data. Consult a qualified financial advisor for personalized guidance. Read our editorial guidelines.