Lean-FIRE-Rechner (detailliert) — Formel
## Lean FIRE
Lean FIRE means retiring early on a below-average budget. The threshold is typically under $40,000/year (individual) or $60,000/year (couple) in expenses.
### Formula
**Lean FIRE Number = Lean Annual Expenses / Withdrawal Rate**
At 4% withdrawal rate:
- $25,000/year expenses = $625,000 needed
- $30,000/year expenses = $750,000 needed
- $40,000/year expenses = $1,000,000 needed
### Lean FIRE Lifestyle
- Housing: Low-cost area, paid-off home, or house hacking
- Transportation: Used car, biking, public transit
- Food: Cooking at home, minimal dining out
- Entertainment: Free/low-cost activities
- Healthcare: ACA marketplace, health sharing
Lean FIRE means retiring early on a below-average budget. The threshold is typically under $40,000/year (individual) or $60,000/year (couple) in expenses.
### Formula
**Lean FIRE Number = Lean Annual Expenses / Withdrawal Rate**
At 4% withdrawal rate:
- $25,000/year expenses = $625,000 needed
- $30,000/year expenses = $750,000 needed
- $40,000/year expenses = $1,000,000 needed
### Lean FIRE Lifestyle
- Housing: Low-cost area, paid-off home, or house hacking
- Transportation: Used car, biking, public transit
- Food: Cooking at home, minimal dining out
- Entertainment: Free/low-cost activities
- Healthcare: ACA marketplace, health sharing
Lösungsbeispiel
$30,000 lean expenses, 4% withdrawal rate, $300,000 saved, adding $30,000/year at 7%.
- Lean FIRE number = $30,000 / 4% = $750,000
- Amount remaining = $750,000 - $300,000 = $450,000
- Saving $30,000/year at 7% growth
- Approximately 9 years to reach Lean FIRE
- Monthly withdrawal in retirement = $2,500