Question 1

What is a FIRE number?

Accepted Answer

Your FIRE number is the total investment corpus you need to retire early. It is calculated as your annual expenses divided by your Safe Withdrawal Rate (SWR). For Standard FIRE with a 4% SWR, the corpus = 25× annual expenses.

Question 2

What is the difference between Lean, Standard, and Fat FIRE?

Accepted Answer

Lean FIRE targets a frugal lifestyle (70% of current expenses, 4.5% SWR). Standard FIRE matches your current lifestyle (100% expenses, 4% SWR). Fat FIRE provides a luxurious lifestyle (175% expenses, 3.25% SWR).

Question 3

What is Coast FIRE?

Accepted Answer

Coast FIRE means you have saved enough that — even without future contributions — compound growth alone will bring your portfolio to the full FIRE number by retirement age. You can "coast" and only need income for daily expenses.

Question 4

What is Barista FIRE?

Accepted Answer

Barista FIRE involves semi-retiring with a small part-time income (like a barista job) that covers basic expenses, dramatically reducing the investment corpus required from full FIRE.

Question 5

What is a Safe Withdrawal Rate (SWR)?

Accepted Answer

The SWR is the percentage of your portfolio you can withdraw annually without running out of money over a typical 30-year retirement. The classic 4% rule comes from the Trinity Study. This calculator supports variable SWRs from 3.25% (Fat FIRE) to 4.5% (Lean FIRE).

Type	Required Corpus	FIRE Age	Monthly Income
Lean FIRE	₹2,99,33,264	—	₹1,13,166
Standard FIRE	₹7,23,35,189	—	₹2,42,928
Fat FIRE	₹33,23,07,810	—	₹9,57,242
Barista FIRE	₹2,82,74,114	—	₹1,08,189

FIRE Calculator

Common Inputs— shared across all FIRE types

Standard FIRE Details— specific to this type

Return & Inflation— shared across all FIRE types

FIRE Type Comparison

Frequently Asked Questions