Fat FIRE is achieving financial independence with a large enough corpus to support a luxurious lifestyle — typically ₹2-5 lakh/month in expenses — without any compromise. This requires a much larger corpus than regular FIRE (often 40-50x annual expenses).

How much corpus for Fat FIRE in India?

At ₹3 lakh/month (₹36L/year) and 3% SWR, Fat FIRE needs ₹12 crore. At 3.5%, ₹10.3 crore. Premium healthcare and travel inflation often exceed general CPI — budget conservatively.

What is the difference between FIRE and Fat FIRE?

Regular FIRE targets 25-30x annual expenses (often frugal lifestyle). Fat FIRE targets 35-50x to support premium spending. Lean FIRE is below 25x with a frugal retirement. Barista/Coast FIRE involve partial retirement with continued income.

Fat FIRE Calculator

Calculate the corpus required for a luxurious, uncompromising retirement with premium lifestyle inflation and buffer corpus.

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Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

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Consult a SEBI-registered IA or CA for personalised advice.

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