Lean FIRE: $50K Portfolio, $1,500/Month Savings, $30K Annual Expenses
Lean FIRE with $30,000 annual expenses requires a $750,000 portfolio at 4% withdrawal rate — starting from $50,000 with $1,500 per month savings at 7% gets you there in about 19 years.
How to use this tool
- Enter current portfolio value, monthly savings, annual investment return, annual expenses in retirement and safe withdrawal rate in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your years to fire and the full breakdown beneath it.
Lean FIRE with frugal spending of $30,000 per year is within reach — see how many years away you are with $50,000 saved and $1,500 per month savings.
Frequently asked questions
- What is the safe withdrawal rate?
- Research (the 'Trinity Study') suggests a 4% withdrawal rate historically survived 30+ year retirement periods. More conservative retirees use 3-3.5%.
- What is Lean FIRE vs. Fat FIRE?
- Lean FIRE targets minimal expenses (~$25-40k/yr). Fat FIRE targets a comfortable lifestyle ($80-100k+/yr). Choose based on your target lifestyle.