Lean FIRE ची गणना कशी करावी
Lean FIRE म्हणजे काय?
Lean FIRE is a form of financial independence achieved on a very frugal budget, typically below $40,000/year. It requires a smaller portfolio but demands strict spending discipline.
सूत्र
annual_spending = (annual_expenses / withdrawal_rate); FV_needed = annual_spending × 25 (4% rule)
- expenses
- Annual expenses ($) — Annual spending target
- wr
- Withdrawal rate (%) — Safe rate to withdraw yearly (typically 3–4%)
- portfolio
- Portfolio needed ($) — Total amount needed for retirement
चरण-दर-चरण मार्गदर्शक
- 1FIRE Number = Annual Expenses × 25 (4% safe withdrawal rate)
- 2Lean FIRE targets expenses 20–40% below average
- 3Typical Lean FIRE budget: $25,000–$40,000/year
- 4Geographic arbitrage (lower cost of living) is common
Worked Examples
इनपुट
$25,000/year lean expenses
परिणाम
FIRE number $625,000
इनपुट
$30,000/year
परिणाम
FIRE number $750,000
इनपुट
$20,000/year (very lean)
परिणाम
FIRE number $500,000
Frequently Asked Questions
What is Lean FIRE?
Retiring early on low expenses (e.g., $25K–40K/year). Less savings needed than Fat FIRE.
Is the 4% rule safe?
The 4% rule (withdraw 4% annually, adjusted for inflation) has about 95% success over 30 years. More conservative: 3–3.5%.
How do I know my annual expenses?
Track spending for 6–12 months, include taxes, healthcare, insurance. Round up slightly for safety.
गणना करण्यास तयार आहात? विनामूल्य Lean FIRE कॅल्क्युलेटर वापरून पहा
ते स्वतः वापरून पहा →