Wealth Sandbox

Flamingo FIRE Calculator

Regular FIRE

Flamingo FIRE (or Regular FIRE) is the middle path: not minimal spending like Lean FIRE, nor luxury like Fat FIRE—a moderate, sustainable lifestyle. Enter your target annual expenses and withdrawal rate to get your FIRE number; add savings and contributions to see years and growth over time.

Compare with Lean FIRE (lower expenses, smaller number) and Fat FIRE (higher expenses, larger number) to see how your target changes with lifestyle.

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Moderate spending per year in retirement

e.g. 4% rule

When set, we use inflation-adjusted (real) returns so the projection stays in today's dollars.

Current savings + contributions and growth chart

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Your FIRE number (Regular)
$1,500,000
Loading chart…
Years to FIRE21 years
Invested$604,000
Growth$920,945
YearStartStart Balance$100,000Contribution$0Growth$0End Balance$100,000
Year1Start Balance$100,000Contribution$24,000Growth$7,761End Balance$131,761
Year2Start Balance$131,761Contribution$24,000Growth$9,984End Balance$165,744
Year3Start Balance$165,744Contribution$24,000Growth$12,363End Balance$202,107
Year4Start Balance$202,107Contribution$24,000Growth$14,908End Balance$241,015
Year5Start Balance$241,015Contribution$24,000Growth$17,632End Balance$282,647
Year6Start Balance$282,647Contribution$24,000Growth$20,546End Balance$327,193
Year7Start Balance$327,193Contribution$24,000Growth$23,664End Balance$374,857
Year8Start Balance$374,857Contribution$24,000Growth$27,001End Balance$425,857
Year9Start Balance$425,857Contribution$24,000Growth$30,571End Balance$480,428
Year10Start Balance$480,428Contribution$24,000Growth$34,391End Balance$538,819
Year11Start Balance$538,819Contribution$24,000Growth$38,478End Balance$601,296
Year12Start Balance$601,296Contribution$24,000Growth$42,851End Balance$668,148
Year13Start Balance$668,148Contribution$24,000Growth$47,531End Balance$739,679
Year14Start Balance$739,679Contribution$24,000Growth$52,538End Balance$816,217
Year15Start Balance$816,217Contribution$24,000Growth$57,896End Balance$898,113
Year16Start Balance$898,113Contribution$24,000Growth$63,628End Balance$985,741
Year17Start Balance$985,741Contribution$24,000Growth$69,762End Balance$1,079,504
Year18Start Balance$1,079,504Contribution$24,000Growth$76,326End Balance$1,179,829
Year19Start Balance$1,179,829Contribution$24,000Growth$83,349End Balance$1,287,178
Year20Start Balance$1,287,178Contribution$24,000Growth$90,863End Balance$1,402,041
Year21Start Balance$1,402,041Contribution$24,000Growth$98,903End Balance$1,524,945

Not financial advice. By using this calculator you agree to our Terms.

About this calculator

Flamingo FIRE (also called Regular FIRE) is the middle ground between Lean and Fat FIRE: a moderate retirement lifestyle—not ultra-frugal, not lavish. Your target annual spending might be around 70–80% of pre-retirement income or a fixed moderate amount. The math is the same as the FIRE Number calculator: annual expenses ÷ withdrawal rate = FIRE number.

Use it to plan for a balanced, sustainable retirement and to see how many years of saving will get you there. Compare with Lean FIRE (smaller number, faster) and Fat FIRE (larger number, more lifestyle).

How this is calculated

FIRE number = Annual expenses ÷ Withdrawal rate. Years to FIRE are computed by projecting your current savings plus monthly contributions at the expected return until the balance reaches that number. Same logic as the FIRE Number and Investment Calculator. Results are for illustration only.

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