Lean FIRE

Minimal-expense FIRE target using a conservative withdrawal assumption.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Lean annual spend

Withdrawal %

Tab to move between fields

Results

Lean FIRE #

$1,000,000

Daily budget$96

How to Use This Calculator

Enter your planned annual spending in a Lean FIRE retirement — typically under $40,000 for a frugal lifestyle.
Set the safe withdrawal rate — Lean FIRE often uses 3.5% for added safety with a tight budget.
Review your Lean FIRE number and daily budget to confirm this lifestyle is achievable.
Compare with the Fat FIRE and Barista FIRE calculators to find your ideal FIRE strategy.

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