Fat FIRE
RetirementFat FIRE is the comfortable variant of financial independence – with enough capital for an upscale lifestyle (typically €5,000–10,000 / month or more). The goal is financial freedom without restrictions or compromises.
Fat FIRE requires a considerably larger target capital and therefore more time or an even higher savings rate. But: no lifestyle downsizing after your FIRE date.
Example (4% rule):€5,000 / month expenses = €60,000 / year. Fat FIRE target capital: 60,000 ÷ 0.04 = €1,500,000.
Between Lean and Fat:"Regular FIRE" (Chubby FIRE) lies in between – typically €2,500–4,000 / month. FireLotse calculates your personal FIRE capital based on your current cash-flow data and the configurable lifestyle factor.