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Lean FIRE calculator — retiring early on a smaller number

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A smaller number, but a thinner margin

Lean FIRE is the minimalist's route to early retirement — you keep your spending low (think $25-40k a year), which means the pot you need is a lot smaller than the standard advice assumes. The trade-off is obvious: less buffer for surprises, so the maths has to be tighter. This calculator shows whether your number actually holds up on a lean budget over a long retirement, not just on paper.

Put in your age, what you've saved and when you want out, and watch what a lean drawdown looks like across 30-40 years. The bit most Lean FIRE guides gloss over is the first few years — on a thin margin, a rough market run early does real damage (sequence-of-returns risk, if you want the textbook name). Just try it, then nudge your target spending up a touch and see how much breathing room a small increase buys you.

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Common questions

How much do I need for Lean FIRE?
It's driven by your annual spending, not a headline figure — roughly 25x your yearly costs (the flip side of the 4% rule). On a lean $30k a year that's about $750k. Run your own spending above rather than trusting a round number.
Is Lean FIRE risky?
It's tighter than regular FIRE because there's less cushion, so a long retirement and a bad early market matter more. The stress test above shows how your specific plan holds up — worth checking at 3-3.5% withdrawal too, not just 4%.
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