Lean vs fat FIRE calculator
The same savings, three retirement targets — 70%, 100% and 150% of what you spend today — and the date each one lands.
Lean, as-is, or fat?
Four numbers, three retirements. Nothing is saved. Assumes a 6% annual return, compounded monthly, and a withdrawal rate that drops the earlier you retire.
$/mo
$
$/mo
| Retirement | FI number | Reached at |
|---|---|---|
| Lean $2,800/mo — 70% of today | $974,400 | age 49 |
| As you live now $4,000/mo | $1,392,000 | age 54 |
| Fat $6,000/mo — 150% of today | $1,944,000 | age 58 |
See this with your real numbersReign builds the full picture and lets you commit to one of these as your plan.
The idea behind it: Lean FIRE vs fat FIRE