Cover essential needs only — housing, food, basics — from your portfolio. Maximum speed, minimal lifestyle.

Your Lean FI target: $1,200,000

Invest enough today that compound growth alone carries your portfolio to your retirement-spending target by your chosen retirement age — no more contributions required, but you keep working to cover today’s expenses.

Your Coast FI target: $197,051

Work part-time to cover part of your expenses; your portfolio covers the rest using a 4% safe-withdrawal rate. Often a softer landing for people on long timelines.

Your Barista FI target: $1,000,000

Your current lifestyle, fully funded by your portfolio at a 4% safe-withdrawal rate. The classic 25×-annual-expenses target.

Your Full FI target: $1,500,000

Your current lifestyle plus a 25% buffer — travel, experiences, generosity — funded by a larger portfolio at a 3.5% withdrawal rate.

Your Fat FI target: $1,714,286