Lean FIRE Calculator
Calculate the portfolio needed for early retirement on a lean budget. Uses a more conservative 3.5% withdrawal rate.
Part of our Finance Calculators collection.
Lean FIRE Calculator
Free online calculator
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Your minimal comfortable spending level
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How to Use This Calculator
- 1
Enter your financial details.
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See projections instantly.
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Adjust to model different scenarios.
How This is Calculated
Lean FIRE uses 3.5% SWR (more conservative for longer retirement) Lean FIRE Number = Annual Expenses / 3.5%
Example Calculation
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Results update as you type.
Frequently Asked Questions
How accurate are these projections?
Investment projections assume a constant return rate which never occurs in practice. Use these as planning guides, not guarantees.
Should I consult a financial advisor?
For retirement planning, a fee-only fiduciary financial advisor can provide personalised guidance accounting for your full financial picture.