Lean FIRE Calculator

Calculate the minimum nest egg needed for early retirement with a frugal, minimalist lifestyle. Lean FIRE focuses on essential expenses only.

Housing, food, utilities, healthcare, transport only
$
$
$
4%7%10%
Lean FIRE often uses 3.5-4% for safety margin
3%3.5%4.5%
$685,714
Your Lean FIRE Number
40% less than traditional FIRE
10.2
Years to Lean FIRE
40
Lean FIRE Age
$24,000
Annual Spending
$2,000
Monthly Withdrawal
Typical Lean FIRE Budget
Housing$800
Food & Groceries$400
Healthcare$300
Transportation$200
Utilities & Phone$200
Other Essentials$100
Path to Lean FIRE
🌱 Is Lean FIRE Right for You?

Lean FIRE is ideal for minimalists who find happiness in experiences over possessions. It requires geographic flexibility (lower cost of living areas), good health habits, and comfort with a frugal lifestyle. Many Lean FIRE practitioners live abroad or in rural areas to maximize their budget.

Understanding Lean FIRE

Lean FIRE typically means retiring on $40,000/year or less for an individual (or $60,000 for a couple) in today's dollars. It emphasizes frugality, minimalism, and finding fulfillment outside of material consumption.

Lean FIRE Number = Annual Essential Expenses ÷ Safe Withdrawal Rate

A lower withdrawal rate (3.5% vs 4%) provides extra safety margin since Lean FIRE budgets have less room for unexpected expenses. Many Lean FIRE practitioners develop skills for self-sufficiency (gardening, DIY repairs) to further reduce costs.

Disclaimer: This calculator is provided for educational and informational purposes only. Results are estimates based on the inputs you provide and may contain errors or inaccuracies. This tool does not constitute professional financial, investment, or tax advice. Individual circumstances vary, and you should consult with a qualified financial advisor, accountant, or other professional before making any financial decisions. We make no guarantees regarding the accuracy, completeness, or reliability of the calculations or results provided.

Track Your Lean FIRE Journey

Monitor your minimalist budget, track expenses by category, and visualize your path to early retirement.

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