Fat FIRE: $100K Annual Expenses, $10,000/Month Savings

Calculate how long it takes to reach Fat FIRE with $100,000 in annual retirement expenses and $10,000 monthly savings.

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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.

Fat FIRE targets a high-spending retirement lifestyle — this calculator shows how long $10,000 monthly savings takes to get there.

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.