Lean FIRE计算器
计算实现Lean FIRE（精简版财务独立提前退休）所需的最低投资组合规模，适合追求简约生活方式的储蓄者。
Minimum comfortable budget
Lean FIRE Number
$750,000
Lean FIRE Number vs Safe Withdrawal Rate
公式
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:
Lean FIRE Lifestyle
计算示例
$30,000 lean expenses, 4% withdrawal rate, $300,000 saved, adding $30,000/year at 7%.
- 01Lean FIRE number = $30,000 / 4% = $750,000
- 02Amount remaining = $750,000 - $300,000 = $450,000
- 03Saving $30,000/year at 7% growth
- 04Approximately 9 years to reach Lean FIRE
- 05Monthly withdrawal in retirement = $2,500
常见问题
Is Lean FIRE sustainable long-term?
It can be, but it leaves little margin for unexpected expenses. Consider building a buffer (aiming for 10-20% above your Lean FIRE number) and having a flexible spending plan that adjusts withdrawals in down markets.
What about healthcare on a lean budget?
At low income levels, you may qualify for significant ACA subsidies, making health insurance affordable. Lean FIRE income often falls within the subsidy-eligible range. Research your state marketplace options.
How is Lean FIRE different from regular FIRE?
Regular FIRE targets average spending (roughly $40,000-$100,000/year). Lean FIRE targets below-average spending. Fat FIRE targets above-average spending. All use the same withdrawal rate math with different expense levels.
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