Coast FIRE vs Fat FIRE vs Lean FIRE 2027 Comparison
FIRE variants: Coast FIRE = have enough invested to retire at 65 without more contributions. Lean FIRE = retire on $40k/year. Regular FIRE = retire on current expenses. Fat FIRE = retire on $100k+/year. 25× rule applies (4% safe withdrawal rate). Source: Trinity Study, financial-independence community.
Coast FIRE vs Fat FIRE vs Lean FIRE 2027 Comparison — Why It Matters
FIRE variants: Coast FIRE = have enough invested to retire at 65 without more contributions. Lean FIRE = retire on $40k/year. Regular FIRE = retire on current expenses. Fat FIRE = retire on $100k+/year. 25× rule applies (4% safe withdrawal rate). Source: Trinity Study, financial-independence community.
How the Calculator Works
This tool implements the standard formula taught by investor educators and financial planners. Inputs are common figures available from your statements. Result is a benchmark you can compare against industry standards published by Bessemer, OpenView, BiggerPockets, or FIRE community.
Improvement Strategies
Iterate the inputs that you can change. For investment metrics, focus on long-term drivers (appreciation, cash flow, retention). For tax/personal-finance, time decisions around your bracket and life stage. Source: industry-standard frameworks.
When to Recompute
Quarterly or after major changes (new property, refinance, raise, tax-law change). Use trend tracking — single snapshot can mislead. Source: standard financial-planning best practice.