Lean
$1,600,000
$56,000 per year funded entirely by the portfolio.
80% of baseline lifestyle spending, plus the full entered taxes and health costs. A comparison case, not a definition of Lean or Fat FIRE.
FIRE Number and Timeline Planner
Compare the number—and the years it may take to reach it.
Test Lean, baseline, and higher-spending targets, then compare the same assumptions at ages 45, 50, and 55. No readiness score. No probability dressed up as certainty.
Your assumptions
One target, three spending lives, and ages 45, 50, and 55.
Enter every money amount in constant today's dollars. Contributions arrive at year end. The model applies one constant real return; it does not simulate market sequences. Durable income is assumed to start at the entered age, continue for life, and keep the same purchasing power. Do not enter a nominal non-COLA pension as though it were real.
Portfolio-only stress range
The portfolio-only target changes when the life changes.
These comparison targets deliberately ignore durable income and assume the portfolio funds the full spending amount. The age table below separately computes the bridge to your durable-income start age.
Baseline
$1,942,857
$68,000 per year funded entirely by the portfolio.
100% of baseline lifestyle spending, plus the full entered taxes and health costs. A comparison case, not a definition of Lean or Fat FIRE.
Higher spending
$2,285,714
$80,000 per year funded entirely by the portfolio.
120% of baseline lifestyle spending, plus the full entered taxes and health costs. A comparison case, not a definition of Lean or Fat FIRE.
Age comparison
What the same assumptions imply at 45, 50, and 55.
The first modeled whole-number age at or above the baseline target is 57.
| Retirement age | Projected portfolio | Age-specific baseline target | Target funded | Coast check |
|---|---|---|---|---|
| 45 | $824,979 | $1,841,782 | 45% | Current portfolio alone grows to $608,326—below target. |
| 50 | $1,220,366 | $1,857,767 | 66% | Current portfolio alone grows to $740,122—below target. |
| 55 | $1,701,415 | $1,877,215 | 91% | Current portfolio alone grows to $900,472—below target. |
Method and limits
A transparent timeline, not a retirement verdict.
Computed here
A today-dollar bridge with each full year's spending withdrawn at the beginning of that year, then spending minus durable income divided by your withdrawal-rate assumption; annual real growth plus year-end contributions.
Not modeled
Market sequence, fees, changing contributions, pension default or loss of purchasing power, tax brackets, account access rules, or spending changes after retirement.
Coast means one narrow thing
The current portfolio, with no new contributions, reaches the baseline target at that age under the same constant real-return assumption.