Lean FIRE target capital
RetirementThe numbers shown come from a sample profile for illustration – in the calculator you see your own values.
The Lean FIRE target capital is the wealth you need to live permanently on your living costs alone – without lifestyle spending. Unlike the regular FIRE target capital (living costs + lifestyle), all leisure spending is deliberately left out here.
Lean FIRE allows a considerably earlier exit from working life – bought with a minimal lifestyle. It is a real milestone: once you reach Lean FIRE, you can stop working at any time, but without a financial cushion for extras.
Like the regular FIRE target capital, the Lean FIRE number already includes taxes and health-insurance costs from the FIRE net calculator.
Lean vs. regular FIRE:Lean FIRE basis: €1,500 / month · Regular FIRE basis: €2,000 / month. Leaving out lifestyle spending lowers your target capital by €150,000.
How it is calculated
Lean FIRE number = (living costs × living-cost factor) × 12 ÷ 0.04
Good to know
Living-cost factor: 100%Do you plan to live more cheaply in FIRE than today? The factor scales your basic expenses. Adjustable in the retirement planner under "Consumption factors".