How does the Lean FIRE Calculator work?

FIRE Number = Annual Expenses × 25 (4% safe withdrawal rate) Then: Lean FIRE targets expenses 20–40% below average Then: Typical Lean FIRE budget: $25,000–$40,000/year Then: Geographic arbitrage (lower cost of living) is common.

Can you give an example of how to use the Lean FIRE Calculator?

Example: Input $25,000/year lean expenses gives a result of FIRE number $625,000.

Is the Lean FIRE Calculator free to use?

Yes — completely free with no registration, download, or subscription required. All calculations happen instantly in your browser.

How accurate is the Lean FIRE Calculator?

Our Lean FIRE Calculator uses verified mathematical formulas and is accurate to multiple decimal places. Results are calculated in real-time using the same methods used by professionals.

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Annual Expenses ($)

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.

Symbol	Name	Unit	Description
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

Annual Expenses	FIRE Number (25×)	Monthly Budget
$20,000	$500,000	$1,667
$25,000	$625,000	$2,083
$30,000	$750,000	$2,500
$35,000	$875,000	$2,917
$40,000	$1,000,000	$3,333

References

›Lean FIRE subreddit community
›4% withdrawal rate — Bengen 1994

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