Fat FIRE and Chubby FIRE
Fat FIRE is early retirement with no lifestyle compromise. Chubby FIRE sits comfortably in between lean and fat.
Fat FIRE is early retirement with no lifestyle compromise. Chubby FIRE sits comfortably in between lean and fat.
Fat FIRE targets a generous budget — roughly 2× a standard FIRE budget — so you retire early without cutting back. Chubby FIRE is the middle path, around 1.5×. The formula is unchanged (annual expenses ÷ safe withdrawal rate); the number is simply larger because the spending target is higher.
A bigger target means a longer runway or a higher savings rate. At $100,000 of annual spending, Fat FIRE needs about $2,500,000 at a 4% withdrawal rate. The calculator shows how contributions and return move that date — and the app counts down to it on your home screen.
Runs in your browser — nothing is sent anywhere.
Fat FIRE typically means an annual budget around 2× a standard FIRE budget — often $100,000+ a year, which is roughly a $2.5M portfolio at a 4% withdrawal rate.
Chubby FIRE sits between lean and fat — a comfortable budget around 1.5× a standard one, without the full ambition of Fat FIRE.
See your number free above, then put the countdown on your iPhone home screen.