Lean FIRE Calculator
Find the leaner portfolio you need to retire early on a minimalist budget, and see exactly when you'll get there. Results update as you type.
What is Lean FIRE?
Lean FIRE is financial independence on a deliberately modest budget, typically living on roughly $25,000–$40,000 a year. Because your expenses are lower, your FIRE number is lower too, so you can reach independence years earlier than someone targeting a traditional or "fat" lifestyle. The trade-off is a leaner cushion and less margin for lifestyle inflation or surprises.
How your Lean FIRE number is calculated
Lean FIRE number = lean annual spending ÷ withdrawal rate
Enter your lean annual budget above. The calculator shows the portfolio you need and, using your current savings, contributions and real return, projects the age you'll reach it.
Frequently asked questions
How lean is Lean FIRE?
There's no official line, but most people use it for annual spending under about $40,000 for an individual (or roughly $50–60k for a couple). What matters is that the budget is sustainable for you long-term.
Is a lower withdrawal rate safer for Lean FIRE?
Often yes. With a tighter budget there's less room to cut in a downturn, so some lean retirees use 3.5% instead of 4%. Adjust it under "Advanced assumptions."
Should I combine Lean FIRE with Coast or Barista FIRE?
Many do. Hitting Coast FIRE on a lean budget is very achievable early, and a little Barista income makes a lean number even easier to sustain.
Compare every path with the FIRE Toolkit
Model Lean, Coast, Barista and full FIRE side by side, with a net-worth tracker and drawdown model.
See the Toolkit, $20