Lean FIRE Calculator
Find your Lean FIRE number and timeline from a lean budget and extra income.
Find your Lean FIRE number and timeline from a lean budget and extra income.
Lean FIRE number
$840,000
$2,800/mo lean spending in Mid COL city (US)
FIRE number and years to freedom across spending and return scenarios.
| Return | On target | +20% over | +40% over |
|---|---|---|---|
| 5% | $840,000 14.8 yrs | $1,008,000 17.2 yrs | $1,176,000 19.4 yrs |
| 7% | $840,000 12.5 yrs | $1,008,000 14.4 yrs | $1,176,000 16.1 yrs |
| 9% | $840,000 10.9 yrs | $1,008,000 12.5 yrs | $1,176,000 13.8 yrs |
| 12% | $840,000 9.1 yrs | $1,008,000 10.4 yrs | $1,176,000 11.5 yrs |
| 15% | $840,000 7.8 yrs | $1,008,000 8.9 yrs | $1,176,000 9.8 yrs |
Worst case (+40% over at 5% returns): you would need $1,176,000 and 19.4 yrs to reach freedom. Best case (On target at 15% returns): you would need $840,000 and 7.8 yrs.
Retiring around age 34.1 gives you 30.9 extra years compared with working until 65.