Retire early without cutting back. Fat FIRE targets a comfortable, higher-spending lifestyle. See your number and the age you could get there — free, private, no sign-up.
Fat FIRE is financial independence with a generous retirement budget — travel, a bigger home, no frugality. Because the target spending is higher, the portfolio needed is larger: desired annual spending ÷ your safe withdrawal rate. It typically means a higher savings rate now, a longer runway, or both.
Lean = a frugal budget, Regular = your current lifestyle, Fat = a comfortable, higher-spending one. Same math, different target spending. Ember's full planner lets you toggle between them.
Will a big number actually last?A larger portfolio still faces market risk. See how often it survives in the full planner.