FIRE Statistics
Original statistics aggregated from the same FIRE calculation engine that powers the interactive calculator — every figure below is a real computed value, not a fabricated or estimated placeholder.
Headline stat
$600,000 – $1,500,000
At the default 4% Safe Withdrawal Rate and $40,000/yr expenses, FIRE targets range from $600,000 (Lean) to $1,500,000 (Fat) — a 150% spread across the 5 FIRE types.
Data verified .
FIRE targets ranked (highest to lowest)
Lean FIRE's target ($600,000) is 40% below the Regular FIRE target ($1,000,000).
| Rank | FIRE Type | Multiplier | Target Amount | Monthly Income |
|---|---|---|---|---|
| 1 | Fat FIRE | 150% | $1,500,000 | $5,000/mo |
| 2 | Regular FIRE | 100% | $1,000,000 | $3,333/mo |
| 3 | Lean FIRE | 60% | $600,000 | $2,000/mo |
| 4 | Barista FIRE | 50% | $500,000 | $1,667/mo |
| 5 | Coast FIRE | discounted seed | $263,555 | $3,333/mo |
FIRE targets by retirement age
Cross-scenario comparison across 5retirement ages, holding all other inputs at their defaults. Regular and Fat FIRE targets don't depend on retirement age; Coast FIRE's discounted seed amount shrinks the later you retire, since the portfolio has fewer years left to compound.
| Retire At | Lean | Regular | Fat | Coast | Barista |
|---|---|---|---|---|---|
| Age 40 | $600,000 | $1,000,000 | $1,500,000 | $683,179 | $500,000 |
| Age 45 | $600,000 | $1,000,000 | $1,500,000 | $564,679 | $500,000 |
| Age 50 | $600,000 | $1,000,000 | $1,500,000 | $466,733 | $500,000 |
| Age 55 | $600,000 | $1,000,000 | $1,500,000 | $385,777 | $500,000 |
| Age 60 | $600,000 | $1,000,000 | $1,500,000 | $318,862 | $500,000 |
Findings
- Fat FIRE requires 150% more than Lean FIRE at the same $40,000/yr expense base ($1,500,000 vs. $600,000).
- Regular FIRE's target is 100% higher than Barista FIRE's ($1,000,000 vs. $500,000), the exact gap made up by part-time income in the Barista strategy.
- Retiring at 60 instead of 40 cuts the Coast FIRE seed amount needed today by 53% ($683,179 to $318,862), because the portfolio has more years to compound.
- Across all 5 retirement-age scenarios (40-60), the Regular FIRE target stays flat at $1,000,000 — the "25x expenses" target does not depend on retirement age, only on annual expenses and SWR.
- The default 4% Safe Withdrawal Rate means every $1,000/yr of expenses adds $25,000 to every FIRE type's target.
Download the data
The exact figures above, in machine-readable form — same dataset, no additional processing.
Methodology note: All figures computed live by the FIREPath engine (calculateFIRE()) using the same formulas documented at /methodology. No figure on this page is estimated, rounded from a third-party source, or fabricated.
Disclaimer: This calculator is for educational and informational purposes only. It is not financial advice. Results are based on simplified assumptions and do not guarantee future outcomes. Consult a qualified financial advisor before making investment decisions.
Sources & References
- [1]Trinity Study (1998) — Safe Withdrawal Rate— Underlying assumption cited on /methodology.
- [2]NYU Stern historical U.S. equity return data— Underlying assumption cited on /methodology.
- [3]U.S. Inflation Calculator — historical CPI data— Underlying assumption cited on /methodology.