Fat FIRE Calculator
Calculate your path to financial independence with a luxurious lifestyle using the 3.5% rule
About Fat FIRE
Fat FIRE is for those who want to maintain a luxurious lifestyle in retirement. It typically requires 28.5 times annual expenses (using a 3.5% withdrawal rate) instead of the traditional 25x. This approach provides a larger financial cushion and allows for higher spending.
Key Concepts:
- Higher Target: 28.5x annual expenses vs 25x for traditional FIRE
- 3.5% Rule: More conservative withdrawal rate for luxury lifestyle
- Premium Lifestyle: Maintain high-end living standards
- Flexibility Buffer: Extra cushion for market volatility