FIRE stands for Financial Independence, Retire Early. Rooted in the landmark Trinity Study, the 4% Safe Withdrawal Rule suggests that if you accumulate 25 times your annual living expenses (or 1 ÷ 0.04), your investment portfolio can sustain your lifestyle indefinitely.
Enter your current age, annual living expenses, existing investment assets, and ongoing savings rate. This calculator maps out your trajectory to Lean FIRE, Regular FIRE, and Fat FIRE milestones.
Frequently asked questions
What is the 4% rule in FIRE?
Historical analysis shows that withdrawing 4% of a balanced stock/bond portfolio annually (adjusted for inflation) has over 95% probability of never running out of money over 30+ years.
What is the difference between Lean FIRE and Fat FIRE?
Lean FIRE covers essential frugal living expenses (~75% of baseline); Fat FIRE provides abundant luxury and travel (~125%+ of baseline).
中文说明
FIRE（Financial Independence, Retire Early）即"财务自由，提前退休"。基于著名的 Trinity Study 4% 安全提款法则：当你积累的生息资产达到年度生活开支的 25 倍（1 ÷ 0.04）时，资产产生的被动收益即可永续覆盖生活开支。
输入您的年龄、预期年开销、现有生息资产与每年新增储蓄，计算器即可为您测算迈向 Lean FIRE（极简自由）、标准 FIRE 与 Fat FIRE（富足自由）的时间表与退休年龄。
常见问题
什么是 FIRE 运动中的 4% 法则？
历史资产回测表明，每年从股债多元投资组合中提取不超过 4%（并随通胀微调），在 30 年以上的周期里有超过 95% 的概率本金永不枯竭。
Lean FIRE 与 Fat FIRE 有什么区别？
Lean FIRE 为极简生活主义（按基准支出 75% 测算）；Fat FIRE 为宽裕奢华生活（按基准支出 125% 以上测算），满足更高品质的休闲与旅行需求。